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Capital One Walmart Rewards® Mastercard®
Editor’s Take
John Kiernan, Credit Card Editor
June 7, 2021
Review: Capital One Walmart Rewards® Mastercard®
The Capital One Walmart Rewards® Mastercard® is best for people who frequently shop at Walmart, especially Walmart.com, and live near a location with an attached gas station. The Walmart Card’s rewards rates range from 1% to 5% back, depending on the type of purchase made. Cardholders earn 5% back on Walmart purchases made online or through the Walmart mobile app, even those later picked up at a Walmart store location. Normally, in-store purchases get you just 2% back – same as purchases made at Walmart and Murphy USA gas stations.
The difference between rewards for online and in-store Walmart purchases won’t be as pronounced the first year your account is open. Currently, new cardholders can get 5% back on in-store purchases for the first 12 months by paying with Walmart Pay. But not everyone will be comfortable doing that, and many prospective applicants no doubt plan to keep their account open for years.
Still, there are other reasons to consider the Walmart Credit Card, besides the rewards it provides on Walmart-related purchases. The Walmart Mastercard now also gives 2% back on travel and dining at restaurants, along with its standard base rate of 1% back on all other purchases. The card does not charge an annual fee, either.
Those are the key points for prospective applicants to keep in mind about this offer. But keep reading below for more information that will help you decide whether or not to apply for the Walmart Credit Card.
Walmart Credit Card Review Highlights:
The difference between rewards for online and in-store Walmart purchases won’t be as pronounced the first year your account is open. Currently, new cardholders can get 5% back on in-store purchases for the first 12 months by paying with Walmart Pay. But not everyone will be comfortable doing that, and many prospective applicants no doubt plan to keep their account open for years.
Still, there are other reasons to consider the Walmart Credit Card, besides the rewards it provides on Walmart-related purchases. The Walmart Mastercard now also gives 2% back on travel and dining at restaurants, along with its standard base rate of 1% back on all other purchases. The card does not charge an annual fee, either.
Those are the key points for prospective applicants to keep in mind about this offer. But keep reading below for more information that will help you decide whether or not to apply for the Walmart Credit Card.
Walmart Credit Card Review Highlights:
- $0 annual fee. Credit cards tied to major retailers typically have no annual fees, so this isn’t unique. But it still saves cardholders nearly $19 per year compared to the average credit card overall.
- Walmart Pay bonus. New cardholders who link their Walmart credit card account to Walmart Pay can earn 5% back on in-store purchases for the first 12 months by using Walmart Pay at checkout.
- Better rewards online. Cardholders earn 5% back on purchases made on Walmart.com or through the Walmart mobile app. That rate applies to purchases you have delivered to your home as well as those you pick up at a Walmart location. However, in-store purchases made with the Walmart Rewards Card for some reason only merit 2% back – at least after the first-year promotion ends.
- Gas rewards are good, but stations are limited. The Walmart Credit Card gives you 2% back on gas purchases, which isn’t too shabby. But that rate only applies when you fill up at Murphy USA or Walmart gas stations. And some states don’t have any locations.
- New rewards for restaurants and travel. The Walmart Credit Card now gives 2% back on travel expenses and dining at restaurants. That makes the Walmart card competitive with some of the best rewards credit cards around – at least in terms of ongoing rewards in those two categories.
- Fair credit needed for non-Walmart purchases. The Walmart Mastercard requires fair or better credit for approval. If you have lower credit, you’re more likely to be eligible for the Walmart Store Card, which can only be used at Walmart, Walmart.com, and Murphy USA/Walmart gas stations.
- Several ways to redeem rewards. Walmart Credit Card users can pay for Walmart purchases with rewards at the register. Cardholders can also redeem their rewards for account credits, gift cards, airfare, hotel stays or rental car reservations.
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
June 7, 2021
Capital One Walmart Rewards® Mastercard®'s Rewards
- Earn 5% cash back on Walmart.com purchases, including pickup and delivery
- Earn 2% cash back on purchases in Walmart stores and fuel stations, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
- Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
Capital One Walmart Rewards® Mastercard®'s Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Not Offered | 17.99% - 26.99% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Not Offered |
|
Regular APR
|
17.99% - 26.99% (V) |
| ANNUAL FEE
|
$0 |
|---|---|
| BALANCE TRANSFER FEE
|
$0 at the Transfer APR |
Capital One Walmart Rewards® Mastercard®'s Additional Info
| MAX LATE FEE
|
$39 |
|---|---|
| MAX OVERLIMIT FEE
|
None |
| MAX PENALTY APR
|
None |
| GRACE PERIOD
|
25 days |
| ONLINE RESPONSE
|
No |
| CASH ADVANCE APR
|
26.99% (V) |
| CASH ADVANCE FEE
|
3% (min $10) |
| FOREIGN TRANSACTION FEE
|
$0 |
| SMART CHIP
|
Yes, chip-and-PIN |
- $0 annual fee
- No foreign transaction fees
- Last updated on 6/7/2021
at Capital One's
secure site
Related Credit Cards
If you are interested in the Capital One Walmart Rewards® Mastercard®, check out the following credit cards as well:
Other Walmart Cards
Related Credit Card Categories
Capital One Walmart Rewards® Mastercard® is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Capital One Walmart Rewards® Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Can you get a Walmart Credit Card cash advance? Reply 19votes5votes
Clark Newton
@aprwizard9
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.
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 fee: 3% (min $10).
- 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!
19
Upvotes
Where can I use my Walmart credit card? Reply 6votesvotes
Maria Adams
@m_adams
You can use your Walmart Credit Card anywhere Mastercard is accepted, but you can use the Walmart® Store Card only 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.
6
Upvotes
What are the Walmart Credit Cards requirements for approval? Reply 4votesvotes
JAMIE THOMPSON
@ExTaxMan
The Walmart credit card requirements for approval include being 18+ years old and having a credit score of at least 640. Walmart credit card applicants also need a monthly income that’s at least $425 more than their monthly housing payment, a valid SSN or Tax ID number, and a physical U.S. address. P.O. boxes do not qualify.
There are a few other account and application requirements, too. For instance, an applicant is not eligible for Walmart credit card approval if they are past due or over the credit limit on any Capital One credit card account, or if they’ve submitted a Capital One credit card application twice or more in the past 30 days. Capital One issues both the Walmart Store Credit Card and the Walmart Rewards Mastercard.
Finally, it’s important to note that when you apply for a Walmart credit card, you will be automatically considered for the Walmart Rewards Mastercard, which requires fair credit (a 640+ credit score) for approval. But if Capital One is unable to approve your application, they’ll consider you for the Walmart Store Card instead. The Walmart Store Card shares many of the same features as the Mastercard, except the Store Card can only be used to make Walmart purchases.
4
Upvotes
What are my Walmart credit card approval odds? Reply 4votesvotes
Joyce Brown
@blackhole1
Your Walmart Credit Card approval odds are decent if you have at least a fair credit score and a steady income. The store card version can only be used at Walmart and the Mastercard can be used anywhere. You’ll need enough income to make your payments, and Capital One (the issuer) will look at lots of other factors, too. They’ll look at your credit history, your assets and any potential liabilities and debts you have.
So, it’s hard to gauge your approval odds without knowing your personal situation. And Capital One unfortunately doesn’t let you check for prequalification to gauge your odds. They might send you a pre-approved offer in the mail, though.
Here’s how to check your Walmart Credit Card approval odds:
- Your odds are best for both the Walmart Mastercard and the Walmart Store Card if you have a fair credit score.
- How much income and debt you have, how many times you’ve applied for credit recently, and other factors will also affect your approval odds.
- If Capital One sent you a pre-approved offer in the mail, your chances of being approved are very high. It’s still not a guarantee, though.
- If you apply online or in-store, you might get instant approval if your credit and income clearly exceed the requirements. Otherwise, it could take a few weeks for Capital One to come to a final decision.
If you’re approved for a Walmart card, you should receive it in the mail within 10 business days. In the meantime, you’ll get a temporary card number so you can make purchases right away, both in store or online.
4
Upvotes
What's the Walmart Credit Card APR? Reply 2votesvotes
ELIJAH NASH
@EliEliO
The Capital One Walmart Rewards® Mastercard® APR is 17.99% - 26.99% (V), based on your creditworthiness.
This card has an even higher interest rate for cash advances, at 26.99% (V).
The Walmart® Store Card comes with a 26.99% (V) APR and it can only be used in Walmart stores.
Still, while the maximum APR of both Walmart cards is a bit higher than the average APR for a retail card, the low-end percentage of the Capital One Walmart Rewards® Mastercard® is comparably very good.
2
Upvotes
Can I use my Walmart credit card without the card? Reply 3votes1votes
Maria Adams
@m_adams
Yes, you can use your Walmart Credit Card without the card, as long as you’ve got either a temporary card number or the Walmart app loaded with your card info. The same goes for the Walmart® Store Card, too.
You cannot, however, ask a representative to look up your account in a Walmart. They will refuse to do so, as it goes against their privacy policy. But as long as you have your mobile device on you, forgetting your card should be no big deal.
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.
3
Upvotes
How much is the Walmart cash back limit? Reply 7votes1votes
KEYAIRA SUTTON
@keykey
The Walmart cash back limit is $100 with any debit card purchase, and $20 for personal checks. Additionally, customers with either a Capital One Walmart Mastercard or Store Card can use their card’s Quick Cash feature to withdraw cash in $20 increments, up to $100.
Quick Cash transactions are allowed with purchases of any amount made at a Walmart register. Just insert the card and press the “Cash Back” button at the payment terminal. Quick Cash transactions at a Walmart register are not considered cash advances, meaning there are no cash advance fees or bank charges. Instead, Quick Cash will appear on the card’s monthly statement as part of the original purchase.
Finally, it’s worth noting that Walmart does not allow Quick Cash on Walmart Pay purchases.
7
Upvotes
What's the Walmart credit card annual fee? Reply 2votesvotes
Maria Adams
@m_adams
The Walmart Credit Card annual fee is $0. To be more precise, both the Walmart Credit Card and the Walmart® Store Card have a $0 annual fee. That makes either one great even if you don’t plan to use the card every day. Not having to pay an annual fee also makes the Walmart Credit Card rewards go even further. Both Walmart cards offer 5% cash back at walmart.com, 2% back on Murphy USA and Walmart gas and in Walmart stores, among other perks.
So, the Walmart Credit Card annual fee and bonus rewards are almost the same whether you get the Mastercard or the store card. They also both require an at least fair credit score for approval. But there are some important differences. You can use the Walmart® Store Card for Walmart, Murphy USA and Sam’s Club purchases, while the Walmart Credit Card can be used anywhere Mastercard is accepted. At this point, it is worth noting that the Walmart Credit Card also comes with $0 foreign fees, but there is a 3% (min $10) cash advance fee.
The $0 Walmart Credit Card annual fee is great, of course. But it’s not unusual. Most store-affiliated credit cards have no annual fee. That includes the cards tied to some of Walmart’s biggest competitors, such as the Amazon.com Credit Card and store card Amazon.com Store Card, the Target Credit Card, and the Costco Anywhere Visa® Card by Citi.
2
Upvotes
Can I use my Walmart credit card at Sam's Club? Reply 7votes2votes
Maria Adams
@m_adams
Yes, you can use your Walmart Credit Card at Sam’s Club. Both the Walmart® Store Card and the Walmart Credit Card work at Sam’s Club for in-store purchases and gas purchases. Only the Walmart Credit Card can be used online for purchases from SamsClub.com, however. The website does not accept the Walmart® Store Card.
In addition to Sam’s Club stores and Sam’s Club gas stations, the Walmart® Store Card works at Walmart, Walmart.com, and Murphy USA gas stations. You can use a Walmart Credit Card anywhere that accepts Mastercard.
There are a few more things you should be aware of before making a Sam’s Club run, though. For one thing, if you’re not a Sam’s Club member, you’ll be charged a 10% fee at checkout when shopping there. Sam’s Club membership also costs $45 - $100 per year, depending on the membership tier.
So, if you’re already a Sam’s Club member, you can and should use your Walmart Credit Card there. If you’re not a member yet, it’s worth becoming one if your non-member service charges exceed the annual fee. That means you should join if you plan to spend at least $450 at Sam’s Club per year. Just keep in mind that if you have the Walmart® Store Card, you won’t be able to use it on the Sam’s Club website.
7
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What can I do if I lost my Walmart Credit Card? Reply 27votes13votes
Sydney Garth
@sydneygarth
If you lost your Capital One Walmart Rewards® Mastercard®, you should immediately report it either through your online account or by calling customer service at the number on the back of your card.
To report a lost card online, go to your account summary page and click "Report Lost, Stolen, or Damaged Card" under the "Services" dropdown menu.
If you have the Walmart® Store Card, all the aforementioned information applies to you as well.
You should also make sure to check the recent transactions that have posted to your account. Then, review your next few monthly statements in detail just to make sure no one used your card without authorization before you reported it missing.
27
Upvotes
Capital One Walmart Rewards® Mastercard® Reviews
Share your insights and review the Capital One Walmart Rewards® Mastercard®.
Nov 23, 2019
Suppose to receive the new Capital One card in Dec. 2019. I have been a customer since 2017 with Shyncronic Bank, never received a single payments from my Rewards, interest rate is over 26.9 having excellent credit, new Capital One will be an 25.15 an completely rip-0ff. Account paid off at present in O balance, had an score down for more than 20 points, when transaction made with Capital One, never missed an single payment. I don't trust this system and high charges. Walmart special Deals don't exist with an 26 over percent charge!!!… show more
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Oct 26, 2019
Opened a credit card with Walmart August 2019, initially serviced by Sychrony and all payments made on time. Oct 2019 Walmart partnered with Capital One and moved over all of their accounts to be serviced by them. Capital One without notice closed my Walmart credit card account a few days ago, increasing my available credit ratio and lowering my credit score. They just made this switch with all of their accounts so I'm sure within the next few weeks thousands of people will be experiencing the same scenario. Capital One can do whatever they want when they want and do not care about their customers. Stay away from Capital One, when you need it most they will not help you.… show more
06/08/20
Sorry that happened to you. I have been as Capital one customer for about 4+yrs and have never had an issue.
11/14/19
Why did my credit score drop after capital one took over ,also why is there 2 capital one walmart card listed and 3 capital one cards, my credit score dropped 72 points and i'm still waiting on transunion and equifax. I called walmart and capital one and its everybody else's fought .
Oct 22, 2019
Total fiasco of a transition from Synchrony to Capital One. They announced a blackout period from 10/10/19 to 10/14/19 due to transition between financial institutions. Capital One specified any payments made after the 3:00 pm on the 10th would not post until the 14th. My due date was on the 13th, so I made payment 3 days in advance (10/10/19) at 1:29pm (received a confirmation email from Synchrony along with a confirmation number). On 10/14/19 I contacted Capital One to report payment did not post to my account as programmed. Customer service rep said to wait 24 hours to allow for completion of transactions transferal between financial institutions. Called them again 48 hours later (10/16/19) to report payment was yet to post to my account. Initial rep suggested I issue another payment since the original payment had not reflected to my account (double payment). After speaking to a supervisor (requested after irrational suggestion), she said to give them 5 to 7 days from 10/14/19 for payment to post to my account and that I needed not to worry for account showing delinquent (new due date was set for 10/18/19) since they recognized I was not at fault.. Today, 10/22/19, I call them again since payment STILL does not reflect on my account and A LATE PAYMENT FEE WAS POSTED TO MY ACCOUNT. They once again ask for more time (2 days) for transactions between Synchrony and Capital One to post. At this time, they offered a "once-in-a-lifetime" waiving of the late fee even though the late fee should have NEVER been generated since it was created by their DISORGANIZED TRANSITION. I am now extremely concerned they will report this "imposed thru their fault" delinquency to the CB and affect my HARD EARNED credit score. SHAME ON THEM. I would have never imagined Capital One's incompetency in this transition. They created an expectation of 4 days for transition and it has been 12 days now and still not done.… show more
May 17, 2019
At 41 years old, I have had many cards in my life. This is by far the worst!!!! They claim you owe more than you do. They flat out LIE! Just yesterday I checked my account online and it was $90. I checked it online today and it was $120. No new charges were posted and I have not used the card. No new charges were made. This is not the first time this has happend. Just last month they claimed I owed them 18 more dollars than what I owed. NEVER AGAIN!!!!… show more
Mar 16, 2019
HorribleCustomer service everything is completely horribleThey barely help you and it’s always a problem for everythingEverything online nowadays and their online process sucks.And it’s always at least an hour on the phone with them to get one thing resolved
Mar 15, 2019
You get approved with a decent credit limit and then a few months later they decrease it for no reason. Not worth the hit on your credit. Also the decline transactions even when you have money. Stay clear of this card.
Dec 29, 2018
I have no problem with the walmart credit card and enjoy the rewards. We pay it off each month so there is no issue with that. The statements however are a nightmare and hard to figure out. I broke my foot back in June of 2018 and started doing the online grocery pick up. I love that. I generally start my list several days up to a week away from when I want to pick up my order. In between I will add or take off items on the list, sometimes several times/day. I get a total for my bill when I pick it up, however on the credit card statement there are numerous charges that reflect the changing of my items on my list to the point that I can't even figure out what I was charged for or if it is correct at all. Why can't they just give me the TOTAL for each time I picked up groceries using the online order instead of putting all these smaller charges throughout the week before as I changed the order? It's HORRIBLE.… show more
Dec 02, 2018
Was approved for the Walmart MasterCard 500 cl , was increased to 700 cl after 4 months, and then to 1100$ cl at 7 months all without any requests from me, then all of a sudden they closed my account for no reason!, they told me to call credit company, I did and they have no idea why! DO NOT GET THEIR CARD!
02/07/20
As well me, and this was before Capital One, I have 3 Capital One Cards, all on time for years, and they have never pre-approved a increase without me acknowledging or just boom closed my account without a word. Its Wal-Mart, have open Accounts with synchrony bank and again never an issue.
Nov 28, 2018
I receive Social Security and on a fixed income. Plus I had one Derogatory (Negative) on my credit report. I had a credit score of 650-690 and I was approved for a Walmart Mastercard $750 c.l. in July 2018 and always paid the balance in full every month, In Sept 2018 they increased my credit to $1,500 and againin Oct 2018 to $2,000 C.L. in Mid-October my Derogatory report was removed from Ultility company and my Walmart Mastercard Increased again to $5,000 C.L. in November 2018. I been happy with them so far. The items you purchase/payments you pay off takes appx 2-4 days to process but other then that. Now I have 5 credit cards. Walmart Credit Card or Walmart Mastercard is issued by Synchrony Bank and they limit you ONE (1) card thru all their countless branded cards. Otherwise you'll get Blue Denial letter in the mail.… show more
Nov 24, 2018
I've had this card 3 months and have paid my payments early or paid full balance each month. They take your money from your account but do not apply it to your account for at least 3 days. I paid my balance off 9 days ago and even though they took the money from my account, it hasn't been accredited to my balance. I had wanted to charge a couple of major purchases during black Friday but couldn't because they hadn't credited the payoff I made 8 days before. I had to pay cash and therefore lost out on the cash back rewards I would have gotten by using my card. Do yourself a favor and get a more reliable card. One that credits your money promptly, instead of it being in "limbo" for days while they invest it to collect the interest.… show more
Nov 21, 2018
DO NOT GET THIS CARD! I was initially approved for $3,500. The first few months I made my payments early (as I do with everything) & found out that they put those payments toward the previous month then charged me a late fee for not making the payments on time for the following months. It took me months to get it straightened out but they finally reimbursed the late fees. I was fine with everything at that point. Fast forward 6 months when I try to buy a new car & I find that they dropped my credit limit to $800. When I asked why, they said because I made multiple late payments when I first got the card. I explained that I did not do this & they were just early but they didn't care. My balance was over $800 at the time so the credit bureaus reported me as over my limit. This dropped my score almost 200 points!!! I was livid as I did nothing to deserve this! Synchrony bank is horrible! Once my current balance is paid off, I'll be closing this card & the two others (discount tire & care credit) who use this bank for their businesses. I would highly suggest everyone find a better bank to deal with! These ppl are crooks!!!… show more
Nov 19, 2018
Have no problems with the card itself however, if you have financial difficulty and then get caught up and pay off your credit card they freeze it for a minimum of 7 days. I lost my job back in July and was completely WITHOUT income for 2 months so missed those payments. When i started working again i caught myself up as much as i could, planned to do black fri shopping this week, so i was able to pay the entire balance only to be told that i red flagged the system and payment would not reflect on the account for a week, but the money was taken from my checking acct. I have never had this issue with ANY credit card. thanks walmart.… show more
Sep 12, 2018
DISLIKE !!! I paid off my credit card and have a zero balance, they've now decided to cancel my account because I'm not "credit worthy". They were okay keeping me as long as I was paying interest but now I'm not worth it to them. Avoid them !!!
Aug 26, 2018
I have used my Walmart credit card for many years with their Deferred interest promotions. I call every month after making a payment and have it allocated to the next expiring promotion. Walmart had my business because they trusted me to make my payments on time and they gave me free interest to do so. I did all of my Christmas, Thanksgiving, back to school, Easter etc shopping because of this deal. I endorsed this company for years because of their willingness to give me the benefit of the doubt. YEARS, I have worked with Walmart. All of a sudden, they won't allocate my payments anymore and said its due to a new policy, even though I've been using the same promotional card all year, and allocating my payments all year!! I now have until January to pay off $2900 or pay 24% interest.
I will pay off my balance and cut up my card, and shop elsewhere. You don't get greedy and turn on loyal customers, or they will turn on you!… show more
I will pay off my balance and cut up my card, and shop elsewhere. You don't get greedy and turn on loyal customers, or they will turn on you!… show more
Aug 21, 2018
Walmart credit card royally screwed me over I had never missed a payment, had a couple late payments but never missed a single one and they lowered my credit limit with no warning putting me back at a 90% utilization and dropped my credit 60 points. And the customer reps say there is nothing they can do to fix it. I would never get a card from them again they ruined my credit weeks before I was going to close on a house and devasted myself and family. Thanks Walmart not!!… show more
08/26/18
They just did this to me as well. Now the house sold to someone else and I am still stuck living with my parents.
Aug 18, 2018
I had an emergency at the vet and my Walmart Master card was declined 3 times.Very strange since they just increased my credit to 10,000. I tried the number on the back of card. They were closed. I was very disappointed and embarrassed.
Jul 29, 2018
Horrible! Holds payments for 10 days, if u make more than 1 payment a month they hold your payment again. Its ridiculous, they either want u to run your card up so they can get interest, or they dont want you to use it
Jul 22, 2018
Convinient, also card can be added Walmart Pay makes it especially easy if you have a smartphone. it’s a nice card to always keep as emergency/ rainy day card if you need last minute household or food items and it’s not quite payday you always have that as a back up for Essentials. Also, being able to get $20 cash back for no additional % is great if you need a little pocket money. I deducted a star for low credit line ($200) that I’m sure will increase with time.… show more
Jul 05, 2018
They closed my account for possible fraud...I was so angry at first, but now I am so glad! The fraud was because my credit limit was $700, I made a $650 purchase, and paid it in full 2 weeks later. They insinuated I was money laundering...no, I was just abiding by the good credit score rule book, friends.
Jun 29, 2018
They have been easy to work with, however, they have lowered my limit twice recently. I realize that I fell behind when I lost my job. But always made more than the minimum payment to make up for what I fell behind. A card with 180 dollar limit is kind of a joke.
07/04/18
I have always been on time. Had the Walmart card for about a year. I got other cards approved in the meantime. I always pay the minimum on all my cards. They dropped me from a credit line of $300 to $100. When I paid off the balance, they canceled my account.
Jun 10, 2018
I truly hate this credit card. I applied for it because I wanted to bring my credit score up. Initially I received a $1750 credit limit which was awesome. Whatever purchases I made I'd make sure to pay at least 70% of it off or pay the full amount. I did this for three months. My credit did in fact go up. The fourth payment I made a little early and the creditors counted it towards the 3rd months payment rather than the following months payment. This truly f'ed me over. I had to call customer service which took forever to actually talk to someone and even longer to get a competent person who was able to change things appropriately reflecting my payment which was on time, just early. Because the payment was early Walmart counted it as a late payment, I had to call again and they waived the fee. But because Walmart didn't act appropriately my credit limit went down to $950 and my balance at that point was $650 which made my credit use seem much more than it had actually been. Which resulted in my credit score dropping significantly, by 200 points! Now, 6 months later, I am dealing with this again. I had a credit line of $950 with a balance of $350. I've been paying off the balance which had reached $850 steadily to again try to improve my credit score after this Walmart card f'ed it up. Once the balance dropped to $350, they once again lowered my credit limit!!! Which as you guessed, once again dropped my score. I don't know wtf is up with this company, but I would stay away! Beware, they are up to no good and because the interest started high you get punched in the face early on. It's been a year and I've never defaulted on payments, made more than the minimum payment every time and yet they find new ways to f you over. Seriously, if you're trying to improve your credit, don't bother with this one. Apply for a Capital One card. They've been great, truly. Again, stay away from this terrible company. They are up to no good for people who are truly trying to repair or just have more credit worthiness. And good luck when talking and waiting to speak to custom service agents. Or when trying to use their website for payments.… show more
May 30, 2018
It's a terrible deal. First off the 25 dollars doesn't instantly apply. You have to use the card the same day. Well the card doesn't come instantly, you have to wait for it to arrive in the mail. Amazon is kicking their butt with their instant 20 dollar card that applies to the order your doing that moment.
Jan 05, 2018
This is far the worst credit card. I made a purchase November 10 because there was a promotion if you spend 75 dollars or more you receive 35 dollars off today! I never received the 35 dollars off. I called a month ago and I was told I will receive it on my second billing cycle. So now it's January 2018 and I did not receive my discount on my second billing cycle. I used 480 dollars so far and when I called today the representative said it won't show until 2 more billing cycles. I asked if I can speak to a manager and she put me on hold for a while. The same rep comes back on the phone to tell me that there is nothing we can do. I had to ask her several times to talk to a manager. The service sucks! After reading everyone's reviews I realized I'm not the only one with this complaint. Now I want to cancel my credit card. I called Wal-Mart and they are giving me a 35 dollar credit. The credit card company is garbage. Don't fall for the discount because I had to wait 4 billing cycles.… show more
Dec 27, 2017
I've been with Walmart over a year and never got an increase they will not give me one disappointed always paid my credit card on time or even paid it off I wish I could change them to another credit card they have different banks the one that I have will not give me an increase, not that I need it but I really like the Walmart that's okay probably satisfied with just what I got I guess I would like to close it but it will mess up my credit report… show more
Nov 03, 2017
I don't suggest this card. One reason is the interest is charged right to your wal mart credit card and not to the bill it self, which means interest is added to interest every month if you do not pay entire interest plus monthly payment. for instance you have a cradit balance of 4000~ say you max out that plan. each month your min payment is 110$ and each month they take 70$ for interest off your credit card. Well you would be paying of course your interest, just like all loans or balance's plus 40 towards your bill. The only difference is in most cards and loans they don't take the interest out of your credit card, it just is applied to you bill. Therefor your balance on card is not showing credit, and you scores for credit move slowly. Not that it is a good idea to max out any card. but unless you pay the bill that is min, plus interest I dont suggest this being a good choice for a credit card. Other wise it will look like you are purchasing products with the credit card when in fact it is interest that is being spent. even when you choose to never buy anything again, your interest will be charged to your credit card instead of the bill.… show more
Oct 29, 2017
Called and activated my card when it arrived. Tried to use it for about $100 and declined. Call the number they said it was activated. Tried again month or so later and declined. Call the card again to get the rudest person ever so I cancelled my card. What a waste of time!
Oct 10, 2017
The main reason I applied for this credit card was because I was told I would get 15% off my bill. I was also told the 15%off would reflect on my first bill. When it didn't, I called the Credit Card company and they said it would reflect on my next bill, up to $50.00!! I will be clearing my bill, so how will I get the 15%?? Beware, stay away!! I will be sure to update my review if I find credit on my balance next month..… show more
Aug 04, 2017
Our business owns multiple business credit cards with Walmart and for many years we are trying to get electronic version of the statement and the answer we get is that Walmart does not want to provide electronic statements to their business accounts but rather send 50-10 pages paper statement. How is this efficient? We live in 2017 and the e-statement is not provided by one of the biggest companies in the world like Walmart. Ridiculous!
Jul 30, 2017
I was just denied with credit scores of 653 (exp), 667 (efx), and 738 (tu). I don't know why anyone would apply here to build credit if they don't approve applications with those scores. By the looks of the reviews here, I guess I should be grateful.
Jul 24, 2017
My husband called a customer service dealing with our balance. We've had this card for over 4 years and have only missed one payment. And have not used this card in over 2 years. This is our debt, and we do without some things to make sure it gets paid here lately. He told her about him being ill and our grandson has had to move in with us, and he, too, has an illness and we struggle to make these payments. She told him an amount we could pay not letting us know they would lower our credit to what we owe on the card. My credit has dropped over 100 points and his has dropped over 40 points. I paid the amount she told him, and that amount was wrong, because they've been calling about our payment. I'm very disappointed in Wal-Mart for this. They charge interest on top of interest every month making it almost impossible to get down. I was looking into getting a loan to pay them off, and have the new loan paid off in 24 months when I saw what they did to my credit. Is there anything we can do? We will pay our debt to them, but now they've made it to where we will keep paying them the interest for many many years. This is not fair or right to do anyone this way, especially those who are trying and have fell upon some hardships. Thank you for taking the time to read.… show more
Jul 12, 2017
I have been a customer for years now. I have had nothing but poor services. I got a email asking me how I would like to handle my credit balance refund. So I was thrilled, thinking it was from my reward points. So I selected which option I wanted. Well I called today, because I was still confused on how it was working. The lady informed me that it was totally in error, and she assured me it wasn't from my rewards. So basically just wait for a letter in the mail explaining the error. Totally irritated with the WHOLE company. I see them losing all my business after this HUGE mistake! Don't do it. They don't even give you cents off per gallon anymore. Not worth it! Pitiful!… show more
Jul 03, 2017
Walmart cards in canada are great to a certain extent. Never had a problem in over 5 plus years. Security is great. Always looking out for suspicious transactions. Way to go Walmart.ca Card security is a scam and a rip off when you go to put in a claim. But love to take your money.
Jun 19, 2017
Applied for the card to take advantage of their $25 credit promo. My application got approved but no temp number was generated . Called Walmart customer service which they gave me a phone number to call Synchrony Bank. After about 40 minutes on the phone talking to a rep and the customer service manger, the bank refused to provide me with my approved CC # .
Not surprised that quality of Walmart credit cart was matching the quality of services at Walmart, they both are failing grade.… show more
Not surprised that quality of Walmart credit cart was matching the quality of services at Walmart, they both are failing grade.… show more
Jun 17, 2017
I have had this card for 10yrs. Never have missed a payment. Used it for first time in almost a year. Only used it because they say if u don'the use credit cards so often. Company will mark it as inactive and close it. Well, so I used it. Unfortunately forgot I had. 2months later after $60 worth of fees. I get a call from them. I get on website and see that I missed paying it 2 months. I look thru old emails for bills. I have none. I go back to site to switch to paper statements. Thinking at least I would actually see the bill this way. I open my account to find out. I AM ON PAPER STATEMENTS.! I call customer service. Automated thing offers a one time reimbursement of late fee. Because I a valid customer. So that knocks off $25. Then I finally get an agent. I tell them the whole tale. He says well what's your address. I give it. He says that's what we have on file. I said "Well why am I not getting my bills? I thought I must have missed the email statements. But I am not on paperless." He replied back saying I should contact my post office. I laughed and said "Sir, I can see how the post office might misplace one of my monthly stat events. But for them to misplace TWO statements back to back and only on this card!?! I highly doubt it!" He said well it says we mailed it then we mailed it."
I am a anal person when it comes to credit card bills, any bill for that fact. I ALWAYS PAY ON TIME. So it's extremely annoying they never gave me a chance to pay. I will
let be calling them again. They haven't heard the last frominute me. I paid card off in full. Will cancel it unless they credit the other $35 back onto my card.… show more
I am a anal person when it comes to credit card bills, any bill for that fact. I ALWAYS PAY ON TIME. So it's extremely annoying they never gave me a chance to pay. I will
let be calling them again. They haven't heard the last frominute me. I paid card off in full. Will cancel it unless they credit the other $35 back onto my card.… show more
May 23, 2017
This is the worst credit card I have ever used
1, The reward is not as high as other free credit cards
2, There is no front desk or branch where you can set up pre-authorized payment. Nor can you set it up via phone which is ridiculous. You can to send a void check to their office.
3, The email notification does not include the balance, they even send you notification when the balance is 0.
4, They do not make effort in informing you about late payment, which will result in your credit score drop as many as 200 points if you have a late payment. For anyone who thinks you're not using this card, better check the online statement regularly or cancel this card if you don't use it.
5, No use to complain to their customer service, all you get is "that is your fault" or "that is your responsibility". The only fault I have is using their card.… show more
1, The reward is not as high as other free credit cards
2, There is no front desk or branch where you can set up pre-authorized payment. Nor can you set it up via phone which is ridiculous. You can to send a void check to their office.
3, The email notification does not include the balance, they even send you notification when the balance is 0.
4, They do not make effort in informing you about late payment, which will result in your credit score drop as many as 200 points if you have a late payment. For anyone who thinks you're not using this card, better check the online statement regularly or cancel this card if you don't use it.
5, No use to complain to their customer service, all you get is "that is your fault" or "that is your responsibility". The only fault I have is using their card.… show more
Feb 23, 2017
I applied for my card in the store on the 6th of the month. By the time I got my card of which I activated and then paid the balance online 11 days later, they charged me the extended warranty and the insurance and I didn't even have my card 15 days yet! Also, I spend approx. $10000 per year on groceries that only gives me $114 back. So far, not too happy and it is really not working out for me.… show more
Feb 01, 2017
I made a purchase of a computer for $1199 on Walmart.com on cyber Monday and was offered 10% off my purchase that day for signing up for a Walmart credit card. I signed up, was approved but did not receive the 10% off as advertised. While speaking with the credit card representative that night, she stated I had to pay the full price and would receive the 10% off on my first statement. I did not get the rebate on my first statement, so I called the credit card company and they told me I didn't receive the 10% off because I didn't use the credit card to make my purchase. I explained I was told I could not use the card until I received the card in the mail. So they refused to give me my 10% off ($119.90). Complete scam. I plan to close the account immediately. I would not recommend this company!… show more
Jan 06, 2017
If someone defraud you dont expect them to have your back. They are rude repeat what you already know and want you to keep their card No thanks at least Visa has your back Im glad it wasnt worse. Seriously not worth the rewards???
Nov 08, 2016
Do not get this card. I only owe 1.5 thousand on it and my payments are $60 a month $40 of which goes to interest. I called their financial department to see if they could lower my payment cause I am not working at the moment and they giggled on the phone at me and told me to call back next month!!!!! Unbelievably unprofessional!
Oct 15, 2016
I apply for walmart credit card and talk to one of the unreliable customer service that depends on their supervisor for answers! few days back the lady i talked to told me that i was approved and have to wait for 7-10days for my card in the mail. Then i checked for application status and the customer service told me my account is closed?!! really? i haven't recieved it yet and its close? customer service is such a joke! very disappointed with this service!!!… show more
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Last updated on: Jun 7th, 2021 at 13:34 ET
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jun 7th, 2021 at 13:34 ET