Walmart Store Card Reviews: 500+ User RatingsReviews, rates, fees and rewards details for the Walmart Store Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rateBonus rewards categoriesQualify with fair creditHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Walmart® Store Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 877-383-4802
The Walmart Store Card is one of the most popular store credit cards on the market, and it’s worth considering if you’re a frequent Walmart shopper with fair credit or better. The Walmart Store Card and has no annual fee and rewards cardholders generously for every purchase. You can earn points worth at least 2% back on all purchases, and some purchase categories yield 5% back. The average credit card with rewards gives about 1% back on all purchases.
WalletHub Rating Breakdown
User Reviews
3.5/5
771 reviewsRead and write reviews
Editor’s Review
2.9/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
4.7
Other Features
0.0
3.2/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
29.99% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Introductory offer: 5 points per $1 spent (5% back) with Walmart Pay for 12 months on in-store purchases.
5 points per $1 spent (5% back) on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery.
2 points per $1 spent (2% back) at Walmart Stores, Walmart & Murphy USA Fuel Stations.
Use rewards during checkout at Walmart.com; redeem for cash, gift cards or travel.
Walmart® Store Card's Additional Info
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Get notified via text, email, and phone if Capital One notices potential suspicious activity on your account.
Manage your account anywhere, anytime. Pay your bill, view your balance, check transactions & more.
If your card is lost or stolen, you will not be responsible for unauthorized charges.
Effortlessly lock your card with a few taps if it has been misplaced, lost or stolen.
The Walmart Store Card is one of the most popular store credit cards on the market, and it’s worth considering if you’re a frequent Walmart shopper with fair credit or better. The Walmart Store Card and has no annual fee and rewards cardholders generously for every purchase. You can earn points worth at least 2% back on all purchases, and some purchase categories yield 5% back. The average credit card with rewards gives about 1% back on all purchases.
The card’s rewards are ultimately best for tech-savvy Walmart shoppers who are comfortable using the Walmart App, paying with Walmart Pay, and ordering groceries online before picking them up at the store. But anyone who shops at Walmart a lot should be able to save some money by adding this plastic to their wallet. You can learn more about why that’s the case below.
Walmart Store Card Review Highlights:
First-year Walmart Pay bonus. New cardholders can earn 5 points per $1 spent on in-store Walmart purchases, which works out to 5% back, by using Walmart Pay when checking out. This promotion lasts for the first 12 months the account is open.
Best for online shopping. The Walmart Card rewards you most for purchases made on Walmart.com, perhaps as a way to keep customers from using Amazon.com. You’ll get 5% back on such purchases, while in-store Walmart purchases yield just 2% back (after the first-year promotion ends).
This is especially important when it comes to grocery shopping. If you order groceries online or through the Walmart app and pick them up at a store, you will earn 5% back on the purchase. But if you shop and check out at a store location, you may earn just 2% back.
Decent gas rewards. Gas purchases at Walmart and Murphy USA stations also score you 2% back. That could certainly come in handy if you live close to such a station. But not every state has them, and the best gas rewards cards offer 5% cash back on all gas purchases.
Fairly high APR. The Walmart Card’s APR, at 29.99% (V), is below the averages for store cards (33.13%) but above other credit cards that require fair credit for approval (26.65%), according to WalletHub research. As a result, carrying a balance from month to month with the Walmart Card isn’t the best idea.
‘No annual fee’ is standard. Hardly any store credit cards charge annual fees. So the fact that the Walmart Card charges $0 per year isn’t much of a differentiator from other offers you may be considering. But it does save you about $28.25 per year compared to the average credit card overall. And all else being equal, that’s definitely a good thing.
Fair-credit minimum. The Walmart Store Card is like nearly all other store credit cards in the sense that you can get approved with just a fair credit score. That’s why store credit cards are such good credit-building tools. If you don’t know where you stand, you can check your latest credit score for free on WalletHub and then track your progress over time with daily updates.
One application. The Walmart Store Credit Card and the Capital One Walmart Rewards® Mastercard® don’t have separate applications, so you can’t target either of them in particular. Rather, you’re first considered for the Mastercard, which people with better than average credit are most likely to get. And if you don’t make the grade, you’re then considered for the store-only version.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.9
User Reviews
3.5
Market Comparison
3.2
fees: 5.0
rewards: 0.0
cost: 4.7
Other Features: 0.0
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.4
Market Comparison
4.5
fees: 5.0
cost: 4.4
APR: 4.4
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.6
Market Comparison
3.5
fees: 5.0
rewards: 3.0
cost: 3.6
Other Features: 0.0
(771)
(2,253)
(1,067)
annual fee$0
annual fee$0
annual fee$0
rewards rate 2 - 5 points / $1
rewards rate 2 - 5% Cash Back
rewards rate 1 - 5% Cash Back
bonus offerNone
bonus offer $200
bonus offerNone
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 18 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Can't find what you are looking for? Submit your question about Walmart® Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make a Walmart® Store Card payment online, by phone, through the Capital One mobile app, by mail or at a store. To pay a Walmart® Store Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital One does allow cardholders to set up automatic payments, too.
Ways to Make a Walmart® Store Card Payment
Online: Log in to your online account and click on “Make a Payment.”
By phone: Call (877) 860-1250 and enter your card information when prompted, then follow the prompts to make a credit card payment.
Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
By mail: Send a check or money order (but not cash) to
Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a store: You can make a payment at any Walmart
In conclusion, there are multiple ways to make a Walmart® Store Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
You can log in to your Walmart® Store Card* account by going to the login page on the Capital One website or mobile app and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Walmart® Store Card Account
Register your Walmart® Store Card for online account access. Click “Set Up My Account” and enter LAST name, date of birth, and Social...
You can get pre-approved for the Walmart® Store Card by visiting the issuer's pre-approval webpage. You may also receive a pre-approved offer in the mail. Keep in mind that getting pre-approved indicates that you have high odds for approval, but it does not guarantee it.
Here's how to get pre-approved for the Walmart® Store Card:
The Walmart® Store Card* credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Walmart® Store Card *.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Walmart® Store Card *, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment...
To check your Walmart® Store Card* balance, log in to your Capital One account online or call credit card customer service at 1-877-227-4825. It's also possible to check your Walmart® Store Card * balance through the Capital One app or by texting “bal” or “account balance” to 227-898.
How to Check Your Walmart® Store Card * Balance
Online:Log in to your Capital One account to see your Walmart® Store Card *'s balance.
By Phone: Call 1-877-227-4825 and follow the prompts to have...
The credit limit for the Walmart® Store Card starts at $300, and the exact limit you're assigned depends on your overall creditworthiness. As a rule of thumb, the higher your credit score is and the more disposable income you have, the higher your starting credit limit on the Walmart Store Card is likely to be.
It's also worth noting that you can request a credit limit increase either online or by calling customer service at (877) 294-7880....
You can get cash back with your Walmart® Store Card* simply by making purchases with your card.
More specifically, the Walmart® Store Card * gives 5 points per $1 spent (5% back) in Walmart stores when you use Walmart Pay for the first 12 months, 5 points (5% back) on Walmart.com purchases, and 2 points (2% back) at Walmart stores, Walmart & Murphy USA Fuel Stations.
Cash Advances With the Walmart® Store Card *
If you're thinking of “cash back” as a way to withdraw money, keep in mind that the Walmart® Store Card * doesn't allow cash advances. This is a store card and can only be used for purchases at Walmart and affiliated merchants.
The fact that Walmart® Store Card * cash advances are...
You can request a Walmart® Store Card 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...
You can check your Walmart® Store Card* application status online or by phone at the number on the back of the card. For both methods, you'll need to provide your last four digits of Social Security so that Capital One can match you to your application.
How to Check Your Walmart® Store Card * Application Status Online
Go to the Capital One application status page.
Give your last four digits of Social Security when prompted.
No, unfortunately they can't look up your credit card info in order to complete a purchase without your card being present. Hope that helps! Please let us know if you have any other questions.
Share your insights and review for the Walmart® Store Card
5
24%
4
25%
3
34%
2
10%
1
6%
3.5
771 reviews
771 reviews
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Will Honeycutt @williamivan85
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1 Star Rating
People with the Walmart store cards, watch out and be ready to deal with Capital One and Walmart. I've only had the store card since the start, paid off all my dues through the Capital One app, and settled the balance in full in March. I received a letter about the lawsuit instructing me to continue using my card until I received a new one in the mail. However, despite calling multiple times and being told it had been shipped, when the card finally arrived, it was already maxed out, even though I never had it in my possession. The new card says I need to activate it, but it's already active and shows all my old statements where I had paid it off. It's trying to make it seem like I had a Capital One rewards card. I have the old card and certainly know what I'm talking about. I'm out over $12,000 due to issues with Capital One for the last two years that I've been trying to get fixed, and now they're throwing more problems at me. I think Capital One are crooks, and I have all the proof, all the receipts to prove it! If I get the runaround today, I will voice my dissatisfaction loudly, contact my local news, and reach out to all media, because I bet I'm not alone.
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1
0
ivonnep_5 @ivonnep_5
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5 Star Rating
Verified Customer
Not a credit card that I used much really didn't care for it. Just used it to get discount couple of times.I don't use it but I have it
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0
0
Eddy D Sartain @dsartain74
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5 Star Rating
Verified Customer
Excellent card for building credit! So far, one of the best cards I have in my wallet. This card has been extremely beneficial for me in reaching my ultimate financial goal.
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1
0
lilagunn_kr @lilagunn_kr
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1 Star Rating
I have 700 score and still was denied even with making payments on time I have a Walmart plus account I shop at Walmart 2 times a week so not easy to get
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Comment
0
0
Conni B @magimae
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3 Star Rating
Verified Customer
Just an average store card. Capital One owns it now and hates to increase the credit limit on this card although I have paid it completely off several times. In fact, I have paid more on the balance and the card owes me! Their interest rates are way too high, so I don't use the card very often anymore. Update April, 2023..Heard that Walmart is fed up with Capital One's management of their Walmart card and is talking about moving it again. It might actually be a better if they do.
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1
0
Anita B @myflhomebiz
I haven't had any problems getting CL increases for my store card. I have received 3000 in increases on my Walmart store card. I wish they would raise the limits on my Capital One Mastercards credit cards like that.
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0
0
jonijensen123 @jonijensen123
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5 Star Rating
Verified Customer
I am exceptionly pleased with my Walmart credit card! The merchandise I am able to purchase are of good quality and price, and that enables me to pay my balance off promptly.
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0
0
Matthew @mjp_80
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5 Star Rating
Verified Customer
560 Credit score Approved 1 yr ago @$300. Now $2300 with a 595 credit score. It's the Best card for rebuilding my credit even though it's just a store card it reports to the credit bureaus. After working on my credit with this store card one, Capital One approved me for their cards.
Highly recommend! They gave me a chance when Amazon and others wouldn't.
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0
0
whuser67774016 @whuser67774016
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5 Star Rating
I like that it is easy to use and the quick cash feature. Dont know if i can use it to buy gift cards like apple etc. Would like to be able to do that. It is easy to get statements on line and to pay bill on line.
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1
0
Laura @lkrajesky
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2 Star Rating
Verified Customer
I have had this card for some time now and have asked several times to get a credit increase but keep getting turned down even though I have two other capital one credit cards with much higher limits and always get credit limit increases.
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1
0
Linda @ldrocks62
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2 Star Rating
Verified Customer
My account shows spending when my account is really at a zero balance. This action is not pleasing, to my credit score. I keep my credit card at a zero balance.
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* The information about the following cards has been independently collected by WalletHub: Chase Freedom Flex® Credit Card, Best Buy® Store Card, Amazon Store Card, Kohl's Credit Card, Walmart® Store Card, and Capital One Walmart Rewards® Mastercard®.
