Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The Walmart Credit Card credit limit will be based on your credit standing when your application is approved. The factors that influence your starting Walmart Credit Card credit limit include your credit history, income, and debt. The same also applies to the Walmart® Store Card.
Key Things to Know About Walmart Credit Card limits
- You'll learn your credit limit when you're notified about account approval, either on the application website or by email.
- The credit score requirement for Walmart Credit Card is 640, at a minimum. That means applicants need fair credit or better to be approved. The higher your score is, the higher you can expect your credit limit to be.
- If you're unhappy with your initial Walmart Credit Card (or Walmart® Store Card) credit limit, you can request an increase online or over the phone after you’ve had the card for at least 6 months. However, there’s no guarantee you’ll be approved.
- The issuer may also automatically consider you for a higher credit limit after you’ve made your first 6 payments on time.
Ultimately, it is worth noting that the issuer uses soft pulls for credit limit increases. So, requesting a Walmart Credit Card limit increase won't affect your credit score.
Please note: The Capital One Walmart Rewards® Mastercard® and the Walmart® Store Card may no longer be available to new applicants. Information presented on this page may no longer be accurate.
Popular Credit Cards from Our Partners
shroomin624, Member
@shroomin624
I started with a credit limit of $300 8 years ago and now my limit is $8100.
mahinder_lotlikar, Member
@mahinder_lotlikar
The minimum credit limit of the Walmart Credit Card is $300 upon approval, according to the Capital One website. The actual amount will be determined by the issuer after a review of your application and ability to pay.
kayleenjean63, Member
@kayleenjean63
I just got approved for the Capital one Walmart card with a $300 limit. My score is 675. High interest 26%. But I will obviously pay it off each month so no interest. I did it for the 5% cash back for the 1st 12 months. Its not the best but I'm happy to get approved. I've been working on my credit for a year. Started at 535 and a secured Visa. Went thru a divorce that ruined my credit. I don't mind the low limit. Easier to keep up on payments which improves my score.
sethryand, Member
@sethryand
My credit is horrible (below 580) I was approved today for $2000
Marjorie Willis, Member
@marjorie_willis
That depends mostly on your score and your income. I started with 1,500 @720, but your mileage may vary.
People also ask
How do I increase my Walmart Credit Card credit limit?
You can request a Capital One Walmart Rewards® Mastercard® credit limit increase online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit limit if the revised income clearly shows...
read full answer by Kate J, MemberWhat are the Walmart Credit Card requirements for approval?
To get approved for the Walmart Credit Card *, you will need a credit score of 640 or above (fair credit or better). Other requirements include a monthly income that’s at least $425 more than your monthly housing payment, a valid SSN or Tax ID number and a physical U.S. address.
These are the main approval requirements that apply to the Walmart® Store Card *, too. But there are also a few other account and application requirements that you should...
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The Bank of America® Unlimited Cash Rewards Secured Credit Card is the best credit card with nearly guaranteed approval that can give you a $5,000 credit limit. It accepts applicants with bad credit, and you can place a refundable security deposit of up to $5,000 for a credit limit equal to the amount you put down. The Bank of America® Unlimited Cash Rewards Secured Credit Card also gives 1.5 - 2% cash back on purchases, and it has a $0 annual fee.
In general, your chances of being approved for a $5,000 limit credit...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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The credit score of 640 is NOT true! I had no score because I had no credit yet they approved me also for a $300 limit!