You can use either Walmart credit card at Walmart, Walmart.com, Walmart Neighborhood Market, Sam’s Club, and Murphy USA gas stations. Only the Walmart Mastercard can be used elsewhere, but you need good credit to get it. The Walmart Store Card requires just fair credit for approval.
Here’s where you can use any Walmart Credit Card:
Walmart stores (over 6,300 locations)
Walmart.com (open 24/7)
Sam’s Club (~600 locations)
Walmart Neighborhood Market (~700 locations)
Murphy USA (1,400+ locations)
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 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 good credit (700+) to get the Mastercard but only fair credit (640+) to get the Store Card. Both cards give you identical perks at Walmart.com (3% back as a statement credit), Murphy USA and Walmart gas (2% back), and other Walmart purchases (1% back). So the major difference between the two is that you can use the Mastercard, and earn 1% back in the process, everywhere else credit cards are 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.
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