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Walmart Credit Card — “Bad Credit OK?”

walmart credit card application

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Walmart is world-famous for its deep discounts on everything from bath soaps to bicycles, making it one of the nation’s most popular stores for credit card users.

The discount retailer is also known for promoting its own Walmart-brand credit card to its shoppers, which leads many potential applicants to ask the question:

“Will Walmart approve me if I have bad credit?”

The answer, most likely, is no.

While there are a handful of reports from those with credit scores in the 600 range getting approved, the general consensus is that Walmart largely declines applications from those with low FICO scores, past bankruptcies, repossessions, and high levels of debt.

5 Walmart Card Alternatives (Bad Credit OK)

While Walmart may turn down bad credit applicants at a high clip, the following cards specifically tailor to such consumers. And yes, these cards can be used at Walmart just the same:

Capital One® Secured MasterCard®

Bad Credit Rating

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your


  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
  • See application, terms and details.

Did Walmart Approve Your Poor Credit?

If Walmart starts approving those with negative credit histories, we’d love to be the first to know. Please reach out to us on Twitter (@CardRates ) or Facebook to let us know your experiences in applying for a Walmart credit card.

We’ll update this post if Walmart’s approval standards change. In the meantime, happy shopping!

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Toby has served as a credit-card industry analyst and financial editor since 2003, bringing an extensive background and knowledge base to the team. He specializes in helping consumers find the best deals possible for their credit card needs, as well as creating tools and content that help users get the most out of their cards. He holds a Bachelor of Science degree from University of Florida and is the founder of Digital Brands Inc.

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