Walmart Credit Card – How to Apply Online

Walmart attracts more than 250 million visitors daily, making it a top choice for shoppers seeking various products at low costs. Customers visiting their stores or shopping online can benefit from excellent deals.

This overview of Walmart credit cards covers the various types available, their functionality, benefits, associated costs, and the online application process.

Walmart Credit Card Types

Walmart offers two credit card options designed to suit different shopping needs. 

Here are each card’s main features and benefits, helping you decide which aligns best with your shopping habits.

Capital One Walmart Credit Card

The Capital One Walmart Credit Card, managed by Mastercard since 2019, offers a 0% annual fee, ideal for frequent Walmart customers. 

This card provides a competitive rewards scheme, granting cashback on daily items like groceries. You earn cashback on all purchases through a tiered system:

• Get 5% back on purchases via Walmart.com or the Walmart app, including Grocery Pickup and Delivery.
• Earn 2% back at Walmart stores and Walmart & Murphy USA Fuel Stations.
• Receive 1% back on all other purchases.

Additionally, this card features efficient online management tools, allowing you to oversee purchases, monitor rewards, and handle payments smoothly. 

You also get access to Capital One’s exclusive services, such as concierge, travel insurance, and extended warranties, which enhance your banking experience.

The Capital One Walmart Credit Card is typically available to those with good credit and is particularly advantageous for frequent online shoppers. It offers significant cashback on online transactions and deliveries.

Walmart Rewards Credit Card

The Walmart Rewards Credit Card, similar to the one offered by Capital One, has no annual fee, which is great for those who frequently shop at Walmart. 

It features convenient online tools to easily monitor your purchases, rewards, and payments.

This card is exclusive to the Walmart network and does not work at other restaurants or retail locations. Here’s what you earn:

• Earn 5% cashback on items bought via Walmart’s website or their app.
• Receive 2% cashback on purchases at Walmart stores and their U.S. restaurants.
• Get 1% cashback on in-person buys at Sam’s Club and their gas stations.

It’s important to note that if your credit isn’t considered good or excellent, you might face difficulties getting approved for a Capital One card and might instead receive a Walmart Rewards Credit Card. 

Nonetheless, this card is still a solid choice if Walmart is your main shopping destination.

Benefits of the Walmart Credit Card

Are you unsure about acquiring a Walmart credit card? Here’s how it can significantly upgrade your shopping and financial management.

The standout feature of Walmart credit cards is the cashback rewards program. You earn more for purchases via Walmart’s different channels, paired with no annual fee, providing you with real monetary advantages.

Additionally, Walmart credit cards come with several other substantial benefits:

Special Financial Offers

Your credit score could unlock special financing options, allowing you to make substantial purchases and pay over time without extra interest.

Added Cardholder Perks

Beyond the basic rewards, enjoy more perks like fuel discounts at Walmart and Murphy USA stations, early access to promotions, and other unique offers.

Online Account Management

Manage your Walmart store card online efficiently. Track transactions, oversee rewards, handle payments, and customize alerts for complete control of your finances.

Building Credit

Using the Walmart credit card responsibly can help improve your credit history. Regular payments and low credit utilization can boost your credit score, reflecting your financial responsibility.

Walmart Credit Card Interest Rates

Here’s what you need to know about Walmart credit card interest rates. If you’re considering one, the interest rates are a key factor that can impact your budget. Here’s a simplified overview:

• Walmart Rewards Mastercard Credit Card: The APR varies, typically between 17.99% and 26.99%.
• Walmart Store Credit Card: The APR is generally around 26.99%.
• Walmart Store Credit Card for Business: The APR varies. For the most accurate rates, check the card’s terms and conditions.

The interest rates on Walmart credit cards can change based on your credit score, among other factors. Always check the specific terms for the card you are interested in to get the precise details.

Eligibility Requirements

To apply for a Walmart Credit Card, ensure you meet these criteria:

• Legal Age: You must be 18 or older.
• US Residency: You must live in the US and have a Social Security number.
• Credit Strength: A good credit history might be needed.
• Financial Stability: A steady income is required to handle payments.
• Debt-to-income Ratio: Keep your debt-to-income ratio within reasonable limits.
• Walmart Policy Adherence: Follow Walmart’s credit policies and guidelines.

Collection of Necessary Information

Prepare the following documents and details to speed up your Walmart Credit Card application:

Personal Information:

• Your full legal name
• Your living address
• Date of birth
• Phone number and email

Social Security Number:

• Your SSN is needed for identity checks.

Financial Information:

• Where you work, including employer name and contact info
• Your yearly income
• Your monthly housing costs, like rent or mortgage
• Any other income sources you have

Identification:

• A government-issued photo ID, like a driver’s license or passport

Credit History:

• Details of your current credit accounts, if you have any

Consent for a Credit Check:

• Agree to a credit check during the application

Having these documents ready can smooth your application process and boost your chances of getting the card.

How to Organize Your Financial Information

Organizing your financial information effectively is essential when applying for a Walmart Credit Card. Here are some practical tips to help you streamline the process:

1. Collect all necessary documents in advance, like pay stubs, tax returns, and bank statements.
2. Set up a digital or physical folder to keep and sort your financial records for quick retrieval.
3. Compile a list of the information needed, ensuring you cover all bases during the application process.
4. Verify the accuracy of your financial details to prevent errors that could impact your application.
5. Keep a dedicated section for credit-related documents, including past credit card statements and credit reports.

Applying for a Walmart Credit Card

To get a Walmart Credit Card and enjoy its rewards, follow these steps for an easy application:

1. Go to the Walmart Credit Card application page.
2. Select either the Walmart Rewards Mastercard or the Walmart Store Credit Card.
3. Click “Apply Now” on your selected card.
4. Fill in your details: name, address, birth date, and contact info.
5. Enter your Social Security Number for identity checks.
6. Include your employment status, income, and monthly expenses.
7. Submit your application and await a response, which might take a few days.
8. Once approved, your card will arrive by mail. Activate it using the provided instructions.

This method ensures you can apply quickly from anywhere.

In-Store Application

Alternatively, apply at a Walmart store:

1. Go to any Walmart location.
2. Ask an employee for an application form.
3. Fill out the form with your personal information.
4. Show a valid ID and your Social Security Number.
5. Hand the completed form back to the employee.
6. Ask any questions you might have.
7. Expect to hear back in a few days.
8. After approval, your card will be sent by mail.

This option is great if you prefer getting help directly from a person.

Contact information

To reach or visit the Wal-Mart de México headquarters, use these details:

• Address: 11220 Blvd. Pdte. Manuel Ávila Camacho 487, Mexico City, Mexico City, 11220, Mexico
• Telephone: +52 5552830100

This information is useful for contacting the company’s main office in Mexico City.

Conclusion

To wrap up, getting a Walmart Credit Card opens up access to unique perks like cash rewards and special financing options. 

Opting to apply online or in-store is straightforward and can significantly improve your shopping experience by offering notable savings.

Disclaimer: This guide offers a basic overview of the Walmart Credit Card application process. For precise eligibility details and specific card benefits, check Walmart’s official terms and conditions.