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Walmart® Credit Card

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Walmart® Credit Card's Additional Info

  • Deferred interest details: No interest if paid in full within 6 months on purchases of $150 - $298.99 and no interest if paid in full within 12 months on purchases of $299 or more
  • Receive your free monthly FICO® Score when you enroll in electronic statements online.
  • Get a cash advance at the time of purchase.
  • Request additional cards for family members at no extra cost.

at Synchrony Bank 's
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Customer Questions and Answers

Don't see what you're looking for? Submit your question about Walmart® Credit Card to our community.

How to cancel my credit card?

The only way to close your account is to call Walmart Credit Services at 1-877-969-3668 but take into account that this card doesn't have an annual fee and unless you carry a balance, you don't have to pay anything for it. Also, keeping your account active can help boosting your credit score. You can find more about it at: http://wallethub.com/edu/canceling-unused-credit-cards-and-credit-scores/25563/

Can I use this card at other stores, not only at Walmart?

Yes, you can use your Walmart Credit Card everywhere MasterCard is accepted, not only in Walmart stores. You even get 1% of the purchase amount spent outside of Walmart stores. Best of luck!

What is the minimum credit score for approval?

Credit card companies will not share the minimum credit score they require to approve an application. Nevertheless, you can get your credit score for free, full TransUnion credit reports and credit improvement tips, on WalletHub, at https://wallethub.com/join/. While your credit standing is a very important factor it doesn't guarantee acceptance. There are other variables that may play a role such as outstanding debts, your income and your job status.

Walmart® Credit Card Review: Editor’s Take

  • Up to $60 in initial savings is nice, not spectacular. You’ll get 15% off purchases made the day you open your Walmart Rewards MasterCard account, up to $50 saved (for applications received by Dec. 31, 2016). And you’ll get a $10 e-gift card the first time you use Walmart Pay to make a purchase (valid until Dec. 31, 2016). For context, the average credit card with an initial bonus gives you $101.48 .
  • Only Walmart.com purchases really pay. Although you’ll earn 3% cash back on Walmart.com purchases, in-store purchases made with the Walmart Rewards Card for some reason only merit 1% back.
  • Gas rewards are good, but stations are limited. The Walmart Credit Card gives you 2% cash 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 there are no locations in some states.
  • You need good credit for non-Walmart purchases. The Walmart MasterCard requires good or excellent credit for approval. If you have fair credit, you’re more likely to be approved for the Walmart Store Credit Card, which can only be used at Walmart, Walmart.com and Murphy USA/Walmart gas stations. If you don’t know your credit score, you can check it for free on WalletHub to see which Walmart card you’re likely to be approved for.

John Kiernan, Credit Card Editor
Dec 16, 2016

Nicole Peruski @nicole_peruski

Let me start by saying that I would absolutely NOT recommend getting a credit card through Walmart. It's not the card itself (though the interest rate is high, even with good credit); it's the customer service that you're obligated to speak to when something goes wrong with your account. After being in customer service for over 10 years myself, I will, without hesitation, state that Walmart has the WORST customer service representatives and supervisors I've ever worked with in my entire life. When I first received my Walmart credit card, I attempted to use my card to pay for my groceries. They charged the single charge to my card twice, which took two weeks and speaking with managers several times to get this duplicate charge removed. It was clear no one was eager to assist me and have this duplicate charge resolved. If I had not stayed on top of it, they would have had me pay for the charge twice in a heartbeat.

I recently attempted to make two charges to my card on the same day (because I needed two separate receipts) and the second transaction was declined. I called customer service to see why this was the case, as there was more than enough balance on the card to make the payment. My account had been frozen and I was unable to verify who I was because I had changed phone numbers and no longer had access to the number I originally signed up with. I had already update my new phone number on my online account (as well as removed the old one), but Walmart never updated that in their system. They would not accept personal information, such as social security number- they specifically needed me to call from the old number, which I no longer had access to. Because I was unable to "prove" who I was by calling from the old number, I was asked my a condescending customer service manager, Anna Reeds, to mail over a copy of my ID/drivers license and paperwork from my phone carrier with my new phone number. I specifically explained to Anna that neither my ID nor paperwork had my current address (which I had also updated on my online account). She said that this did not matter; that they only wanted to see my name on both the ID and paperwork, as well as the new number. When I asked her how long it would take for them to verify this information, she told me anywhere from 14-21 days. I asked her if I would be called when the information was received and she said no. When I asked if that meant I would just have to keep calling them back, she sarcastically responded with, "yup, I guess so." At one point, after I had attempted to give my social security information, address, etc.- Anna even made the comment, "well, we didn't ask you for all your personal information. " in a manner that implied that if anything were to happen with my personal information- it's on me for dishing it out.

That day, I sent the paperwork Anna Reeds had requested with the reference number, copy of drivers license, paperwork and a note explaining the situation. I called three weeks later to ensure they received my paperwork, so, I could access my account and make a timely payment, as I always have. After speaking with a customer service representative who quickly told me that my paperwork was declined due to the address on my phone bill not matching my current address, I immediately asked to speak to a supervisor. This supervisor (Ria, who told me they can no longer give out their last names) told me, "sorry about the incontinence- what we can do is send a complaint to Anna for giving you false information," but that I'd still have to resend all the documentation with an updated address. Basically, I had to go out of my way to get this paperwork printed out from my phone carrier as told by the rude, condescending original supervisor, Anna Reeds, mail it and wait three weeks for it to be declined. Because their is a flaw in the Walmart credit card system, they have no other way of verifying who you are as EVERY other credit card service does.

After these two awful experiences with Walmart's customer service supervisors, as soon as this issue is resolved, I will be paying off the balance on the card, and cancelling my card. Never again will I use them, again, solely because of their absurd policy and extremely poor customer service. My advice to anyone considering getting a card with them- do NOT do it. If you ever run into any issues (which I ran into two huge ones within one year), you will have to jump through hoops to have it resolved. … read more

Connie Tapar @conniet10

Do not get this card you will experience the bad services for card holders. You have no options to make a stop payment for outside merchant. and/or make a dispute againts a certain merchant for fraud, undelivered services, unsatisfied services, and stolen product. Customer Service are rude and unreliable. Can't wait to pay my balance and cancel this useless card.

Brenda Doucette @brendad_20

Do not get this card. Bought a computer for 150.00 (chromebook) and was promised $25.00 credit. When I did not get the credit on the first statement, I called the, They said to wait 2-3 billing cycles. MEanwhile, even though I made payments (55 & 60.00), I was charge $85.00 in late fees!
I am calling BS on this scam! Today I paid the balance of $17.32 and I hope I am done!

Tim Warner @timw12

loaded 200.00 dollars on my Walmart card only to find I cant use it in other countries. thanks for wasting my time and money. looks like I wont be getting another one..fuck walmart

Catherine Siren @catherines_17

Do not even think of owning a Walmart credit card. You will regret it, trust me on that

Lalaynya Cruz @lalaynyac

I dont do cards, but trying to establish some credit to buy a house, plus it was around Christmas and a lil exra money was nice (at the time) I was so wrong! For starters in Nov their were unexplained charges on my card from walmart.com, and walmart.com couldnt find them any where on my account, I knew I never made these said purchases! I never got anywhere with them transfering me from deparment to department, walmart.com, back to walmart credit smh. Now in March theres another unexplained charge on my account. Credit company says its from Walmart.com. Walmart.com says there was never a puchace for this amount. Same on my end when I veiw my account on line. So here we go again wasted almost 5 hrs of my day, off and on, hanging up on me, rude and very poor customer service skills. Also I made a full paymnet of 856$ in Feb to pay my account off and got a 35$ late fee in March but never recieved a bill, I figured I wouldnt get a bill just paying it off. Nope they found something somewhere to give me a late fee. After aruging with them all day, and both not understanding the charge they finally came up with a plan, that they had some problems in Nov with their billing and that I owed them the extra charge that was applied to my card ctfu! Im so done with them. Oh and. lol they dropped my credit line from 800 to 200 and didnt notify me but somehow with that extra charge that they pulled out their asses, it over drafted my account over the 200 credit limit. Plus with them screw balls dropping my credit line and adding fake late fees my credit score dropped 12pts. So thank you so very much for screwing us over! I will pay you off (even whats not owed) you will reep one day! But Im deffinitly cutting this card up and you will never get a dime from me again! … read more

Dick Real @dickr

I made a purchase of 500.00 I had a limit credit of 8.000 they close my account I'm not allow to make a payment or do any thing with the card I'm waiting for them to send me something explaining what is going on when I call customer service they say my account is closed there is not payment to be made and there is no balance on the account what the hell don't u want me to pay you back or you are just going to ruin my credit I'm afraid that is what is going to happen. … read more

Brian Zanderlost @brianz_4

For the haters, learn to use credit responsibly. For all others, this card is great. I didn't have excellent credit nor did I have poor credit either. I was given a modest credit limit, and I always pay the credit card off (way before the due date like every credit card I have). I haven't been charged interest yet but have received a few hundred dollars rewards now (which I continue to save). You see all the haters have something in common. They either wait too late to make a payment, don't pay their entire balance before the grace period, or hold balances each month. Those people would be better off with lines of credit designed to hold monthly balances or would be better off financing their purchases. Credit cards should be paid off in full monthly and payments should be made 4-5 business days prior to the grace period end. Follow these simple rules and you'll have no problem. Use your credit irresponsibly, and I bet you'll find yourself angry because of high interest charges, seemingly unfair penalties, and a poor credit rating. Don't blame the game, blame yourself and learn the tough lesson. … read more

Patricia Naughton @patrician_12

You work for Walmart.

Adil Saed @adils1

look like you are the only one in the world knows how to use credit responsibly, sure working for Walmart

Ashley Olstad @ashleyo10

I originally applied for the walmart card and got the one just good for their store (I think 1500 limit ish) --- However - about 8 months into it they sent me a mastercard version of the walmart card and upped my limit to 6000 --- I did NOT realize when I activated the card the differences and it ran a hard inquiry on my credit which I was NOT thrilled about (house refinancing don't need hard inquires). well. I haven't had any issues, I have a 700 credit score and paid it off this month - interest is way high compared to my other cards, so it will go in the drawer for emergencies. … read more

Courtney-Mariah Estes @courtney-mariahe

Horrible customer service! I just got approved today. I applied on my cell phone sense I do everything on my phone. But when I pressed submit it did nothing the page didn't move. But my notification went off saying I got a email. I checked my email I got approved yay cool. But no account number so I can go into the store today. I called in No we don't give account numbers over the phone. Can I speak with the manager. "Manager can I do anything to get my account number what do you want me to verify can I go to the store show my ID or Social Security card." "No you just have to wait for your card sorry. No empathy what so ever they sounded like miserable robots. I'm thinking it's best not to use my card when I get it because when I have a issue customer service won't be of any help. Not cool walmart! … read more

Mike Gambino @mikeg_5

Um. unless you've ever been ravaged by identity theft, then you can't appreciate what just happened. It's not a lack of empathy on their part. They have that policy of not providing a card number for a reason. If you can't wait a week or 2 for your card to be mailed to you then you probably don't need the credit card in the first place.

Antonella Luna @antonellal

Horrible customer service. They would not let you talk and tell them whats going on without them cutting you off and telling you that you are the one thats wrong. Called not long ago after receiving my first bill and didnt receive my $35 discount they offer after spending $75+. Lady try to tell me that i didnt use my card when i received it, told her i had gotten pre approved by mail and

that my card didnt arrived till two weeks later and that i didnt have a card on hand she said i should of used it anyway, like what in the world. yeah im ganna go buy with a invisible card. she said YES! (A Walmart cashier cannot simply use your driver’s licence to look up your account information and thereby allow you to complete a purchase without your card being present) right there i knew this was pointless. Asked to speak to a supervisor, even worst. So disrespectful. He said i the same thing. And not to mention walmart customer service didnt even mention this either. if you are thinking of getting this DONT. is trash! and if you are in this mess already, pay it off and leave. … read more

Brandon Rohlfs @brandonr_10

To put it bluntly the card sucks. Walmart sent me a bill stating that the total minimum due was to be paid by 1/1/2016. When I went to make the payment two weeks prior I was told that the account was closed. After two months of nonpayment they closed my account with no written or verbal notice. Then later on the same day I received a letter in the mail stating that Synchrony Bank was no longer handling the account but that it was sent to a debt collection agency called Allied Interstate. But I was told both by Walmart and Allied that payment could be made to either and it would be one in the same. Sounds like BS to me because the way I understand it companies sell debt off to collection agency's to recoup some of the money lost then the debt agency will try to get a higher amount then what they paid for the debt. Now I am hearing that Allied Interstate really isn't s debt collection agency but a part of Walmart used to dupe people into thinking that they were sent to an actual agency so they pay up. … read more

Bryan Holmes @bryanh_11

What I am seeing here is everybody telling the same stories of bad customer service and "habitual" mistakes on accounts that always cost the card holder unnecessary penalties. The reviews are actually very bad and since so many say the same thing, there is little doubt there is much truth to the complaints. However, if you will notice, there are a lot of thumbs downs to the negative reviews and the occasional outlandishly fabulous grand reviews about this card. Like trolls working for this company trying to keep the rating from dropping to embarrassingly low, yet deserved levels. Really look at it! Who could actually love this card? No body who has ever owned it. … read more

WORST CUSTOMER SERVICE EVER. This is my first credit card and I'm young and I'm trying to build it up. I applied and got approved quickly in store, used the temporary pass and everything. They said they would send it within 10-13 business days. It's almost been a month. I've called multiple times, and they didn't answer any of my questions except that they'll send me a new one. Now I have to wait another 2 weeks. Did I mention that they spelled my name wrong too? On my card and that I had to correct them? Yup. So then customer service in the phone told me I can pay in store if I have my drivers license. Went to the store, and they didn't even bother trying to use my drivers license. All this lady said was "no can't do that". I'm so frustrated and mad with customer service and I fully regret opening this card. Don't open one up, please. I'm begging you. … read more

Kurt Peters @kurtp3

This is a terrible card. They give you a very low credit line, and it is next to get a credit line increase from them even if you have a very high credit score. I cancelled my card and pledge never ever to shop at Walmart again. The Target Red Card is a much better deal with a 5 percent instant rebate and free shipping always.

Pratik Mistry @pratikm

its worthless. worst customer service ever. I paid all my bills on time and now they are saying I didnt paid money for 6 months so its affecting my credit. I asked for history or a statement but the CSR was so rude she refused to provide me. I asked for supervisor help but she refused even to talk to her. Never ever get this card. They are big fat liers.

Ryan Patcheson @ryanp_12

I closed my account with wal-mart almost 10 years ago because of the horrific customer service and APR. Then approx 6 months ago I started getting statements from them again! Although the statement showed no purchases it did show a .40 cent credit. I ignored it. The next month I got a cheque from them for the .40 cents. My family and I joked about it but basically ignored it. After all its 40 cents who cares right. Then I got another statement from them with a payment of something like $37. This time I called them to advise them they were applying someone elses payments to my account and I would appreciate if they could correct this and stop sending me statements. I told the customer service person, who got annoyed with me for wasting her time and advised me to throw out the cheque. A few weeks later I received a letter from their investigation team advising me that were aware of my report and would take care of it. Whew, thank god that's done. WRONG. Last month I again received another statement thanking me for my payment of $153 and change! Since I had already reported the previous error and knew this was not my payment I ignored it again. Today, I opened my mail and recieved yet another statement thanking me for my payment of $786 and change. Then the next envelope I opened was a CHEQUE FOR $939.79 Back on the phone. Their machines put you into this terrible loop that I had great trouble navigating due to the fact that they don't recognize my closed account number, the recording says they are open from 9:30 am -6:00 pm EST (my time zone) but when you finally get through it says they are closed and to "please call back during regular business hours" So I tried a customer service number I found on line and spoke to a very sweet girl who had absolutely no clue how to help or even when the credit office would or should be open, but she made notes, gave me a ref# and transferred my call just the same. Back into the cyber loop I go, another 20 minutes of pushing buttons and low and behold I actually get someone at Wal-Mart Master Card, who thanks me for my honesty, but just gives me another number to call, because he apparently has no idea how to deal with this situation either. I call that number and surprise! (not really) they are not open either! I feel absolutely horrible for the person whom this money really belongs, but no one at Wal-Mart seems to care and I have no idea what to do next. I could give it to my lawyer to deal with but then Wal-mart would have to pay her and it would cost more than the cheque is for. Bottom line- Walmarts customer service is terrible! No one should be able to post anything to an account that has been closed for almost 10 years and when this did happen, no one took it seriously or had a clue what to do about it. I strongly advise not using Wal-Marts credit services if you can avoid it! I rated them 1star only because 0 stars was not an option!
Side note = not everyone uses Facebook, I had to borrow a family members facebook account just to post this review. SAD … read more

Feyshal Bayor @feyshalb1

Worst customer service ever. I requested to speak with a supervisor regarding m my statement and the representative clearly told that the supervisor refused to take the call and I should check my spam for my statement. SMH
I've been a customer for close to 3 years without any issue but after this run around and worst STUPIDEST customer service, I am never using them again.
STAY AWAY IF YOU DO NOT WANT YOUR FEELINGS HURT.

Sabrina Jay @sabrinaj_2

I'm not sure why there are so many bad reviews for this card. I've never been charged a late fee when it wasn't applicable (if you don't pay on time or a few days in advance to let the payment be applied, of course you will have a late fee). The rewards add up fast if this is the only credit card you use. I get money off of my purchase almost every time I'm at Wal-Mart (yes, I am there often!) I think this is a great card and will continue to use :) … read more

Terri Carron @terric_8

Don't even bother applying for this even if you think your credit is good! I applied after getting my credit score up to 609. This is a huge improvement and I have been able to get a couple store credit cards and a brand new car. So I thought I would see. I get a denial letter saying I am denied because my credit score is 385 and they got their info from transunion. Unless my credit karma and the place I bought my car through are lying to me this is totally off. So now I am stuck with a hard inquiry on my report which will lower my score and a denial based on a false credit score. … read more

Shawn Barks @shawnb_15

They charge late fees when your not late, made two payments in a month, but still charge late fees because the payment was not close enough to due date, I will pay this card off and never use again. APR is way to high, rip off from a company that make billions a year. Pathetic they would do this!

Dolores Malchoff @doloresm6

Never received my credit for opening the account so i closed it no help from customer service

Alec Buchbaum @alecb1

This Wal Mart Card has a high APR and a pretty low reward. It also has a sub standard cash back program. It is easy to get approved for, and for the first 12-24 months there is not interest. So, maybe a good starting card to build credit but then you will want to move on. Three stars seems fair.

This is the worst card I have ever seen. I tried to activate my second user credit card. They keep getting the phone number incorrect, cannot set up pin. The phone keeps on hanging up. When put on hold sometimes, it just transfer to a new person, and the whole verification process starts over again. I think in total my secondary user and I have spent over 4 hours for the last two weeks on activating the credit card. Conclusion, the pin still cannot be set up. This is my 4th phone call today, each time at least 20 mins. I really gave up. DO NOT GET THIS CARD. This is the worst customer experience I have ever had. … read more

Maryam Pasha @maryamp

I had the same problem while trying to get the secondary card.
majority of employees's accent is not clear & worse than that they are trying to talk fast so that makes it even more fuzzy. and I also realized that interrupting the client while talking is one the basic policies. Transferring to a different person makes you think that you are done half of job; no. Don't get excited you have to start over again. Funniest thing, I called to cancel my card yesterday due to a disputed transaction I had, the employee didn't even give it a try to keep the customer happy. sure mam you have a balance you have to pay off before cancelling. as if I am dumb & don't know that. … read more

Fyuri LeBlanc @fyuril

my mother has this card. she bought several things and the latest was a lawnmower. my sister found out how high the cost plus interest on it was and offered to transfer the balance to a credit card with much lower interest. they told her that they were not set up to be able to allow her to pay it off with a credit card, it had to be cash money. so now we are working on an arrangement to get it paid off. the fees and interest are rather high. and why would there be a foreign transaction fee. i am guessing that is for if you travel outside the country and use walmart? why would we pay one for using any walmart in this country? strange.

when she gets this paid off she plans to simply close the account. … read more

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Last updated on: December 16th, 2016 at 03:02

Related Credit Card Categories

Walmart® Credit Card is related to the following categories:

WalletHub is an independent comparison service.

We work hard to present you with accurate credit card information on this page. However, this information does not originate from us and therefore we cannot 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 applicants' 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 list as many credit card offers as possible but we don't make any representation of listing all available offers.

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.

Offer last updated: Dec 16th, 2016 at 03:02 ET

Category: Credit

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