Capital One Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/27/2023.
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Very Easy to pay instantly with debit card instead of wire transactions..
Very easy to lock and unlock your card.
You can use a virtual card number which you can change at any time for your security…
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How do I log in to my Walmart credit card online account?
To log in to your Capital One Walmart Rewards® Mastercard® credit card account, go to the login page on the Capital One website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account. If you don't already have an account, you will need to start by clicking “Set Up Online Access” in order to set up a username and password.
How to Log in to a Walmart Credit Card Account
- Register your Walmart Credit Card for online account access. Click “Set Up Online Access” and enter your name, date of birth, and Social Security number or account number to verify your credit card account.
- Choose your Walmart Credit Card username and password. The password must contain between 8 and 32 characters, have at least one letter and one number, and be different from the username. The password is case sensitive and may contain special characters.
- Log in with your new Walmart Credit Card credentials. From the login page on the Capital One website or mobile app, fill out the Username and Password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you'll be able to manage your Walmart Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot Username or Password?” on the Capital One login page. Then, just follow the prompts to reset or retrieve your username or password.
How can I pay my Walmart Credit Card bill?
You can pay your Walmart Credit Card bill online, via the Capital One app, over the phone at (877) 383-4802, by mail, or in person at a Walmart location. The same payment methods apply to the Walmart® Store Card, too.
How to Make a Walmart Credit Card payment
To pay online or through the Capital One mobile app, simply:
- Log in to your account.
- Click “Make a Payment.”
- Fill in the amount you want to pay – you can choose your last statement balance, current balance, minimum payment, or a custom amount – and click “Continue.”
- Choose the date you want to pay and which checking account to pay from.
- Click “Submit Payment.”
Over the phone:
To pay your Walmart Credit Card bill over the phone, call (877) 383-4802 (or the number on the back of your credit card) and enter the last 4 digits of your credit card number.
The automated system will give a menu of options – choose “make a payment.” After that, the system will guide you through the payment process.
If you would rather mail in a Walmart Credit Card payment, mail a check and the payment coupon from your monthly statement to the address on the coupon. The address is: Walmart Credit Card/Capital OneAttn: Payment ProcessingPO Box 71083Charlotte, NC 28272-1083
Capital OneAttn: Payment Processing6125 Lakeview RdSuite 800Charlotte, NC 28269
Payments can also be made in any Walmart location at the customer service desk or with a cashier. You'll need to bring the payment coupon from your credit card statement, along with the Walmart Credit Card itself. Similarly, if you're a Sam's Club member, you can make a Walmart Credit Card payment at any Sam's Club location at the customer service desk or with a cashier.
If you choose to make a payment via regular mail, make sure to always send it at least 5-7 days before your due date.
What is the Capital One routing number?
Capital One has several routing numbers, depending on the type of transfer you need to make.
For direct deposits or ACH transfers, the routing number for Capital One Bank USA is 051405515. For plain Capital One it's 056073502. You can figure out which corporate entity applies by looking at an account statement.
For wire transfers, the routing numbers are 051405515 for Capital One Bank USA and 056073612 for plain Capital One.
You can also find the routing number on your checks, in the lower left corner.
Is Capital One CreditWise good?
Capital One CreditWise is good because it's a free way to check your credit score anytime. It will also send you email alerts when there's important activity on your credit report, such as a hard credit inquiry or a new credit card account. Plus, it's available to everyone who signs up on the CreditWise website, not just Capital One customers. The credit score you get is the VantageScore 3.0 model, based on your TransUnion credit report.
Many credit card issuers – including American Express and Barclaycard – have added free credit tracking services that send your credit score once a month or a week, like Capital One. But CreditWise goes beyond that and not only alerts you to new credit activity, it also provides a lot of information on what affects your score, as well as easy ways you can improve it.
For example, CreditWise offers a credit score simulator, with which you can see how decisions like paying off abalance, opening a new credit card, or making a late payment could affect your credit.
CreditWise has 6 different sections on what factors are affecting your credit score. The sections can be found on the CreditWise dashboard and include on-time payments, your available credit, how much of your available credit you're using, your oldest credit line, new accounts from the past 2 years, and recent inquiries.
You'll receive a score in each of the sections – “below average,” “average,” “good,” or “excellent.” And CreditWise tells you how much each section impacts your overall score. For instance, “On-time Payments” has the greatest impact on your score, while “Available Credit” has the least impact. There's also a “Score Improvement” section where you can find personalized suggestions for improving your credit score.
The biggest downside to Capital One CreditWise is that it only updates once a week. You can find services that send you daily updates, along with a lot of the same information CreditWise provides. Regardless of which credit score site you choose, staying aware of your credit score is a necessity.
What are my Walmart credit card approval odds?
Your Walmart Credit Card approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Walmart Credit Card will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN. The same requirements apply to the Walmart® Store Card, too.
What You Need for Good Walmart Credit Card Approval Odds
- 640+ credit score
- Enough income to pay credit card bills
- Low debt relative to income
- Low housing costs relative to income
- U.S. mailing address
- Age of 18+
- Social Security Number or Individual Taxpayer Identification Number
Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income with no debts and still get approved. To get a better sense of your approval odds before applying for a Walmart Credit Card, you can check to see if you're pre-qualified on the dedicated webpage. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won't affect your credit score.
If you want to enhance your application by improving your credit score, WalletHub's free credit analysis can tell you what steps to take.