Walmart Credit Card Review — Is This Card Worth Getting?

Walmart Storefront Concerning Walmart Credit Cards

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Every retailer seems to offer their own credit card nowadays, each with its own special benefits. How are you supposed to know which to choose and whether using that card is really worth it?

Unfortunately, many of these cards come with a high interest rate and low minimum payments that pretty much offset any discounts in the end.

So let’s take a look at the Walmart Mastercard and Walmart Credit Card by Synchrony Bank to see how they stack up.

The Walmart MasterCard & Walmart Credit Card at a Glance

  Walmart MasterCard Walmart Credit Card 
Main Cash Back Benefits3% –
2% – Murphy’s USA & Walmart gas stations
1% – Anywhere Mastercard is accepted
3% –
2% – Murphy’s USA & Walmart gas stations
1% – Walmart, Walmart Supercenters,
          Neighborhood Markets & Sam’s Club
Annual Fee$0 $0
APR18.90% – 24.90% (variable) 24.90% (variable)
Late Fees / Penalties Up to $38 Up to $38

Walmart has 2 branded cards, which have virtually the same benefits with just a few main differences.

The Walmart MasterCard can essentially be used anywhere you like — meaning that you’ll get rewarded for purchases made virtually anywhere MasterCard is accepted (albeit marginally, at 1%). The Walmart Credit Card is only accepted at Walmart stores,, Walmart and Murphy USA gas stations, and Sam’s Club stores (there are credit cards that offer rewards for Sam’s Club too).

Another difference: some Walmart MasterCard holders may receive a lower APR depending on account type. And finally, Walmart MasterCard holders are eligible for cash advances (with a variable APR), while Walmart Credit Card holders are not eligible.

Since the Walmart MasterCard is slightly more difficult to qualify for, some applicants will automatically receive the Walmart Credit Card, which targets consumers with low to fair credit scores looking to build their credit. You can find out more about the application process below.

Walmart’s “3-2-1 Save” Rewards Program

All Walmart credit cards are automatically enrolled in Walmart’s 3-2-1 Save Rewards Program. As a result, you’ll receive cash-back in the form of a statement credit for each purchase.

Here’s how it works:

  • 3% at*
  • 2% at Murphy USA and Walmart gas stations
  • 1% at Walmart (or anywhere else when using the MasterCard)

*All purchases made at qualify for the 3% cash-back. This even includes in-store item/grocery pickup and grocery delivery purchases, if paid for online (cash-back is 1% if paid for in-store).

Rewards earned with the Walmart MasterCard and Walmart Credit Card never expire, and there is no limit to the rewards that can be earned (within the credit limit).

Additional Features of the Walmart MasterCard/Credit Card

Below are additional perks offered with both Walmart cards:

  • No annual fee
  • Free online FICO® credit score checks anytime by signing up to electronic statements
    • Other companies charge up to $20 to check your score, so this could be a handy advantage
  • Fraud protection
  • Access to special 6-12 month financing options

Fees and Drawbacks of the Walmart Cards

There are a few cons to consider before applying for a Walmart MasterCard or Walmart Credit Card.

Fees: Here are the current fees/penalties that you might incur. These include (but are not limited to):

Walmart MasterCardWalmart Credit Card
APR18.90% – 24.90% (variable)24.90% (variable)
Cash Advance APR21.90% – 27.90% (variable)not applicable
Cash Advance Transaction Fee$5 or 3% of each cash advance amount (whichever is greater)not applicable
Late Fee$27 – $38 $27 – $38
Foreign Transaction Fees 3% not applicable

Other drawbacks certainly apply to this card. For example, cardholders can only receive the max 3% cash-back for using the card at That being said, if you’re a frequent online shopper, the statement credit could quickly add up.

If your credit history isn’t strong enough for the Walmart MasterCard, you can’t earn cash-back outside of Walmart (which limits the card’s usefulness). But, again, there’s no annual fee…so even using it to pay at Walmart, approved gas stations, and Sam’s Club can mean money back each month. Especially if you spend there often!

Even though there’s no annual fee, the Walmart MasterCard and Walmart Credit Card have high APRs and late fees. These can add up quickly and put you in a serious bind. Of course, you can avoid these fees by paying the balance in full each month.

Finally, if you’re still working on building your credit, you’ll probably be given a low credit limit, which means you won’t be able to spend much on the card. But if you use your credit card responsibly, your credit limit and credit score could increase.

Applying for the Walmart MasterCard and Walmart Credit Card

Potential cardholders technically apply for the Walmart MasterCard and Walmart Credit Card at the same time to see which one (if either) they will qualify for. As mentioned above, the Walmart MasterCard has slightly higher qualification criteria. For this reason, those who do not qualify for the MasterCard may still qualify for the Walmart Credit Card instead.

That being said, the general consensus is that the Walmart cards are usually intended for individuals with poor or limited credit histories. In short, Walmart likely anticipates recent or past flaws in your credit.

You can apply for the Walmart MasterCard/Walmart Credit Card online, at any store register, or at the jewelry kiosk.

Upon credit review, some applicants will be approved instantly. However, some applications may need further review, resulting in a 7-10 day waiting period. (See here for more instant approved credit cards)

Sign Up Bonuses: The Walmart MasterCard and Walmart Credit Card usually offer marginal sign up bonuses that have been variable in the past.

One such recent promotion was a savings of $25 or $35 off your first purchase for online applications only. Walmart has also recently offered a one-time 10% discount on the cardholder’s first purchase.

But as usual, restrictions apply. For the 10% discount, the offer was capped at a maximum of $25…meaning it was only good on purchases of up to $250. And for both bonuses, the purchase had to be made the same day of application approval. So what if you have to wait to be approved? Walmart states you will receive a comparable offer in your credit card package.

For both of these sign-up bonus examples, cardholder savings are not “cash in hand,” but are instead put back on the next card statement as a credit.

Another possible promotion is 0% financing on large purchases if paid for within a specific time frame (6, 12, 18, or 24 months). However, if you fail to pay the balance in full by the statement deadline, you’ll be charged interest back to the date of purchase, which could be very costly.

You may also be offered a promotional “no interest for X months” offer. In that case, you don’t pay interest at all during the promotional period — but will start paying interest when the offer expires. There’s no back interest with this offer.

Since promotional offers vary, make sure to check the terms carefully when you submit your application.

In our opinion, are these good sign-up offers? Not really. You can definitely earn better sign-up bonuses through other rewards credit cards on the market.

Additional Walmart Card Options

What happens if you are denied both the Walmart MasterCard and Walmart Credit Card? In that case, you still have another option: the Walmart MoneyCard, a reloadable prepaid Visa or MasterCard from Green Dot Bank.

Like the other cards, the Walmart MoneyCard also qualifies for enrollment in the 3-2-1 Program. You’ll get access to special discounts and sales notices, you don’t need a bank account to use the prepaid card, and you can even have your paycheck direct deposited. However, there are monthly fees for using the Walmart Money Card.

Alternative Rewards Credit Cards (Our Recommendations)

There are a number of other excellent rewards-based cash-back credit cards out there that would likely earn you more than the Walmart cards.

No complicated fee’s or structures to understand with these rewards cards:

Alternatively, if you love to travel (or want to travel more) you could pick up the Chase Sapphire Preferred® Card that is known as one of the best (if not the best) travel rewards cards.

The sign up bonus is worth $625 when redeemed for travel expenses (flights, hotels etc) through Chase’s travel portal. Earn 1pt/$1 spent at Walmart stores and outside of Walmart, 2pts/$1 spent on ALL dining and travel purchases.

These Chase points are extremely valuable when used correctly!

Logging in & Managing Your Walmart Credit Card Account

After you are issued a credit card, you can log in and manage your Walmart card account here.

Options within the online management platform include:

  • View your statement
  • Pay your bill
  • Set up account alerts
  • Opt for paperless statements

Final Thoughts

If you regularly buy groceries or other items at and Walmart or simply fill your tank at Walmart or Murphy USA, then a Walmart credit card can be valuable. That is, if you’re a responsible cardholder!

As long as you pay your entire balance on time each month to avoid the high APR and late fees, you’re okay. Otherwise, your penalties could wind up seriously outweighing your benefits.

Nonetheless, there are certainly other cash-back rewards credit cards out there that can earn you a lot more on your everyday spending!


How much is a Walmart Credit Card?

The Walmart Credit Card has $0 annual fee, a big perk!

How do I apply for a Walmart Credit Card?

You can apply for the Walmart Credit Card online, or in-store at any register or jewelry kiosk.

What does your credit score have to be to get a Walmart Credit Card?

There is no hard and fast number when it comes to the credit score required to get a Walmart Credit Card. Most reports state a credit score of 620 or better is recommended, however some individuals in the upper 500s range have reported approval (and some in mis 600s have reported denials).

What is the minimum credit limit on a Walmart Credit Card?

There does not seem to be a distinct minimum credit limit on the Walmart Credit Card, but we’ve seen reports of limits as low as $150. Your credit limit will depend on your credit history.

How do I increase my Walmart Credit Card Limit?

In order to increase your Walmart Credit Card Limit, you will have to call customer service number on the back of your card to make a request. Reports state customer service employees are unable to confirm whether this will be a hard pull or soft pull on your credit, so be wise with your decision.

We’ve seen reports that Walmart usually approves most requests for a credit limit increase after about six months of regular/successful payments; some have seen approvals earlier.

In general to build your chances of a limit increase, you should attempt to make small purchases every month, trying not to go over 80% of your limit. Additionally, make sure you pay off your balance on time, every month.

Can I pay my Walmart Credit Card in store?

Yes, you can pay your Walmart Credit Card bill at the customer service counter at any Walmart location, online, by mail or by phone. Be aware that by phone, if you speak with a representative (vs automated) you may be charged a fee.

How do I cancel my Walmart Credit Card?

To cancel your Walmart Credit Card, simply call the customer service phone number on the back of your card.

Erin Miller

About Erin Miller

Erin currently maintains her status as Alex's adventure-seeking partner-in-crime and contributes to Upgraded Points through content creation & relationship management.
She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. That was that - she's been gallivanting around the globe ever since (22 countries & counting)!

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Denise P. Gavin · February 9, 2018 · Reply


    I have applied for a Walmart credit over a year ago and I was turned down. Why are they more difficult to get than other credit cards and is there a suggested time period to try again and if so, how many times. If your turned down is there a chance you will finally get approved?

    • This is tough to answer without knowing your specific situation. But in general, I would stop applying for anymore credit cards until you know your credit score (e.g. you can check it for free at Credit Sesame) and can at least get it to 680+. Also, don’t apply for any cards/loans for at least 3-5 months until trying again.

  2. Lisa K · June 30, 2018 · Reply

    I have had a Walmart Credit card for about 2 years. I always paid my card on time and decided to pay it off this month. Thinking I was doing a good thing by paying some of my cards down and off, I was completely shocked when I saw that they had slashed my credit line from $800 to $100! I see this is not an uncommon practice by Walmart after doing some research online. Here I am, trying to build up my credit score after a student loan company put some things on there I have reported and disputed. Never thought I would be punished for paying my card off in full.

  3. They did me the same way. Paid on time early each month and they lowered my credit limit twice.

  4. I am a senior citizen excited to have my own Walmart credit card. I charged something on it and made a payment on time and now it is revoked. I do a lot of business with Walmart. This is very poor business practice and I will never shop there again. Shame on you Walmart.

  5. patricia wimpy · September 5, 2018 · Reply

    I received a letter from Walmart credit card saying that I sent the billing portion, but no check. I sent proof that they cashed my check but still have not credited my account and they charged me a 25.00 late fee. I was told I would have to wait for their resolution to determine what they did with the money and that this could take 60 to 90 days. Why?? They would not wait on me. Could care less about my business with them, they yelled at me like it was my mistake and my problem.

  6. Collette M Ryan · October 9, 2018 · Reply

    I got an email with a reference number to see the decision/status of applying for the walmart credit card but the link doesn’t open up to give you the answer. Ridiculous.

    • Adairma · May 3, 2019 · Reply

      This happened to me too…I am trying to open the link and doesn’t work!

  7. Cindy B · October 9, 2018 · Reply

    Are Walmart employees restricted at all to apply for their credit card? And is there any special space to verify that they do?

    • Hey Cindy – in our research, we have not found any restrictions for Walmart employees when it comes to applying for Walmart credit cards!

  8. I am a senior resident eager to have my own Walmart charge card. I charged something on it and made an installment on time and now it is disavowed. I complete a great deal of business with Walmart. This is exceptionally poor business practice and I will never shop there again. Disgrace on you Walmart.

  9. Doris Austin · November 14, 2018 · Reply

    I applied for a walmart c.c. and when I put in the referance number, s.s. number etc., it says wrong info. Is there a phone number I can call?

    • Hi Doris, please be advised that we are not Walmart, we are Upgraded Points, a points and miles blog who has reviewed this card.

      That being said, the customer service phone number for Walmart Credit Cards is: 1 (877) 294-7880. Hope this helps.

  10. tj ledbetter · January 25, 2019 · Reply

    A walmart CC is not worth the effort. They just cancel your card without permission and says it is automatic. I just tried to get through on customer service and 8 mins later after forced to listen to ads, they say that you need to call a different number. I’m changing my buying habits and will avoid walmart completely in the future. If you’re smart you’ll do the same.

  11. Richard · March 10, 2019 · Reply

    This is one of the best reviews I’ve read about Walmart credit cards.

    Thank you UpgradedPoints.

  12. Lindsay · April 10, 2019 · Reply

    PLEASE do not get a credit card with Wal-Mart! Synchrony Bank is one of the WORST banks to ever deal with! They are rude, condescending, and are not out for the customers best interest. In February, I paid my balance statement and it is now April and wanted to use my card, however I got declined b/c my card was on a “TEMPORARY” hold due to a credit protection charge and interest charge that made my card “temporarily suspended” and unavailable. I did not receive any notification or email regarding this matter! HORRIBLE BANK AND CUSTOMER SERVICE!!!

    • Thank you, Lindsay, for the info, I was thinking of applying for one, not anymore after reading all these horrible stories from cardholders. It seems to me the bank that Walmart chooses to be in business with only care about the money they are getting from their customer. What kind of bank cancels your credit card or lowers your credit limit when you pay the balance on time? Why would you punish your customers for being a good creditor? That means they are not interested in you if they are not making money on you. What’s funny too is, cashiers are always encouraging customer/shopper to open a credit card and their key lines always says “you get cash back on your purchases and if you pay the balance right away then you get free money just for shopping here”. I was getting annoyed already because opening a Walmart credit card was always offered at check out and I always politely decline it. Glad I didn’t fall for it.

  13. Danielle · June 10, 2019 · Reply

    Why so many negative comments being made here? Granted the credit logistics of the actual creditor which is Synchrony bank may not be up to par.
    Not a single vendor has anything to do with approval of credit, decline of transactions etc. that’s 100% handled by the creditor the company that backs up payments to a vendor (whom if approved is paid) creditors decide to reduce available credit that’s not the vendors fault in this case Walmart, if a creditor declines a transaction it’s the creditor.
    I find it amusing that so many people actually think that a vendor makes choices about approving transactions, or denying them, that’s totally wrong.
    Walmart cannot decide to accept nor deny you to make a purchase using a payment method, that’s choice is made by the company that decides whether your are of worth to complete the transaction.
    Yea it sucks, but the bottom line is the over all question can and could you actually afford what your buying?
    Credit is not a Right, access to credit is, just as creditors have the privilege to provide credit but not a Right, but they have a Right to provide credit.
    Walmart has nothing to do with approvals, or denials that’s the creditors choice.
    Saying “I’ll never shop at Walmart again is foolish, since for the most part they do have the best prices on average that saves most consumers.
    But over all if you depend on credit to buy things you want and need, it becomes a bad notion that it will work out well with you.
    Most people need very little, over spending often is a result of wants. That’s where risk assessment comes into the real world in the actual real world scenario.

  14. Jean-Marie Hendricks · June 11, 2019 · Reply

    I applied for a Walmart Credit Card in March 2019, and was approved for a Walmart Mastercard with an $800 credit limit. Used it for gas and a few purchases, paid it off when the bill was due, and then recieved an email telling me my credit limit was increased to $1200. Continued to use it responsibly and pay it off. Just a couple weeks ago, I received another email, informing me that my limit was increased again to $5000.

    So honestly, I don’t understand all these negative reviews. My Dad has had a Walmart Mastercard for several years now, and he’s never had any issues. He’s now got a $10,000 credit limit! Just makes me wonder about the legitimacy of these negative reviews.

  15. Jackie Walz · July 13, 2019 · Reply

    I keep trying to bring up the site to apply for a Walmart CC. It keeps telling me there is an error or the site has moved. What’s going on?

  16. Larry Simien · July 29, 2019 · Reply

    Is the credit card application a soft inquiry or hard inquiry?

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