You can use your Walmart Credit Card anywhere Mastercard is accepted. On the other hand, the Walmart® Store Card only works at Walmart, Walmart.com, Walmart Neighborhood Market, Sam’s Club, and Murphy USA gas stations. You need fair credit to get either card.
Here’s where you can use any Walmart Credit Card:
Walmart stores (over 9,000 locations)
Walmart.com (open 24/7)
Sam’s Club (~600 locations)
Walmart Neighborhood Market (~700 locations)
Murphy USA (1,400+ locations)
Anywhere Mastercard is accepted (only the Walmart Credit Card)
So, you can use the Walmart® Store Card at five types of merchants. But you’re out of luck everywhere else. If you have the Capital One Walmart Rewards® Mastercard®, though, you’ll be able to use your card pretty much everywhere that takes credit in over 210 countries and territories. You’ll need fair credit to get either card.
Both cards give you 2 - 5 points per $1 on Walmart.com & in the Walmart app, including pickup and delivery. The major difference between the two is that you can use the Walmart Credit Card, and earn 2% on restaurants and travel and 1% everywhere else Mastercard is accepted.
Which one? If you're talking about the Mastercard, that's going to be at pretty much any location. If you don't have that one, and you just have to basic store one, then that's going to seriously restrict your options. That's usually how it goes with store cards though.
Here’s how to use your Walmart Credit Card without the card:
When you’re first approved: You don’t have to wait for the card to arrive. When you’re approved for a Walmart Credit Card, you’ll get a temporary number to use for Walmart purchases, which will post to your normal account.
With the Walmart app. Download the app for free from the App Store or Google Play, then hit the “Payment” banner at the bottom of the screen. From there, you’ll be able to link your credit card or temporary card number. You can then scan the QR code in the app at checkout to pay using your Walmart credit card without the card.
Online. You don’t need the physical card as long as long as you have the number, expiration date and security code. Keep in mind that Walmart.com is the only website the Walmart® Store Card works on. And if you only have a temporary card, you can’t use it online. You’ll have to wait to get the information off your actual card when it arrives.
If you get a Walmart Credit Card, you should really consider downloading the mobile app as well. It’s free and can save you some trouble if you forget your card. Again, Walmart won’t be able to look up your account in store. So, if you don’t have the app, you’ll have to either pay cash or leave empty-handed.
You can get a Walmart credit card cash advance from an ATM or bank if you have the Walmart Mastercard. You can’t use the Walmart Store Credit Card for a cash advance (or to make purchases anywhere but Walmart). Whether you should get a Walmart card cash advance is another story, though. The Walmart credit card cash advance fee is 3% (min $10), and an APR of 26.99% (V) will immediately apply.… read full answer
One neat way the Walmart Credit Card gives you to circumvent normal cash advance fees is to use the Quick Cash feature at Walmart. This allows you to get up to $20 per day at a Walmart register when you make a purchase. Quick Cash is treated like a normal purchase too, not a cash advance. You can do this with either the Mastercard or the Store Card.
Here’s how to get a Walmart Credit Card cash advance:
Normal cash advance: Call the number on the back of your card to request a PIN. Use that PIN at an ATM to withdraw cash. You can only do this with the Walmart Mastercard, not the Store Card.
Walmart credit card cash advance rate: 26.99% (V), depending on your credit. It starts accruing immediately.
Quick Cash: Anyone with either the Walmart Mastercard or the Walmart Store Card can get $20 cash at the register when making a purchase at Walmart. Just ask the cashier. The extra $20 will be charged to your card as a purchase, not as a cash advance. You can only use this benefit once per day.
Walmart Quick Cash APR: 17.99% to 26.99% (V), depending on your credit. You only owe interest if you carry a balance between months.
So, if you’re looking for a way to get a Walmart credit card cash advance, you’ve got options. But both have flaws. Quick Cash can be convenient, but you can’t get more than $20 per day with it. And a true cash advance is really expensive. Choose wisely!
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