Walmart Credit Card FAQs- You’ve probably been shopping at Walmart for years, but maybe you’ve just realized that they have their credit card. You may be wondering if you should apply for the Walmart credit card. We’ll tell you how to apply and everything else there is to know about the Walmart MasterCard.

The Walmart Credit Cards

Before we get started, let’s take a brief look at the Walmart credit cards. Currently, the retailer offers two different cards. One is a store-only card that can only be used for Walmart purchases. The other card is issued as a MasterCard and can be used for making purchases anywhere MasterCard is accepted. You’ll earn rewards for purchases made with either card.

Walmart Credit Card faqs:

The Walmart Credit Card can use at Walmart and Sam’s Club. This offer includes its associated gas stations and websites. You can also pay off your card balance at either of these two stores. The Walmart MasterCard can use anywhere MasterCard is accepted. People can read Walmart Credit Card Help & FAQ’s here.

Walmart offers two credit cards for general consumers one is Walmart Credit Card, and another one is Walmart MasterCard. These two cards provide special financing for large purchases. Walmart cards also offer cashback at Walmart stores and Sam’s Club. For more details check Walmart Credit Card FAQ below. If you’ve shopped at the Walmart store in the past, it’s easy to get the Walmart Master Card. Earning CashbackWith the Walmart Credit Card. All Walmart credit card members are automatically enrolled in the Walmart Rewards Program. This means you’ll be earning cash back rewards on every purchase you make with either Walmart credit card. You’ll get:

3% cashback on all purchases at, including orders, placed online and picked up at Walmart stores. Groceries purchased online and picked up at the store or delivered also receive 3% cashback.

2% cashback at Murphys USA gas stations and Walmart gas stations.

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1% cashback on all other purchases, including Walmart stores, Walmart Neighborhood Markets and Sam’s Club.

There is no limit on the number of rewards you can earn, and they do not expire because you are receiving the cashback on every statement. The Walmart credit card also offers promotional 0% financing options on purchases. Your credit card account agreement will have all of the terms and conditions.

There are four fast and easy ways to apply for a Walmart credit card:

  • In-store at any Walmart register
  • In-store at the Walmart jewelry kiosk
  • Online at
  • Via the Walmart mobile app
  • Applying in Walmart Stores

Apply in Store at the Register: Bring a valid photo ID plus a current credit card if you have one to any register in a Walmart store to quickly apply for the Walmart credit card. The cashier will input your information into the screen or scan your credit card to retrieve your initial information.

You will then be asked a series of questions and the application will be submitted. You will either be approved instantly or be asked to call in to provide further information.

What You’ll Need for the Application?

However you apply, completing the application is simple. You will need to be prepared to provide certain information, though, including your full name, current address, email, phone number, social security number, annual income and the number of years at your current address.

You’ll also have to select a language for your billing statement, whether you want paperless billing and decide whether to decline or purchase the optional credit card protection.

What You Need to Know Before You Apply for the Walmart Card

Before you apply for a Walmart credit card, you should be aware that Walmart issues two types of credit cards—the Walmart credit card and the Walmart MasterCard. The application process is the same for both cards.

Your Credit Score Matters

Before applying, you should know your credit score. This is because applicants with higher credit scores are more likely to be approved for the Walmart MasterCard, which can be used anywhere MasterCard is accepted.

Those with lower scores may qualify for the Walmart credit card, which is an affiliated, store-only card. Both cards are issued by Synchrony Bank, a bank that specializes in store-branded credit cards.

Knowing your credit score in advance can help you determine your chances of getting approved. You can utilize sites like to obtain your score for free.

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Which Walmart Card Will You Get?

Applicants with credit scores hovering in the very high 500s have been approved for the Walmart credit card, and applicants with credit scores in the 600s have gotten the Walmart MasterCard. With that said, this is just a generalization and not an indication as to whether you’ll be approved. Your numerical credit score is not the only criteria considered.

You’ll also want to read the terms and conditions before you apply to be aware of how interest rates work and the fees that come with the card. This information can be found on the application page. You can also review our guide on how credit card interest works.

Using Your Walmart Credit Card

Once you’ve applied for the Walmart credit card and have been approved, you can start using the card. The in-store Walmart credit card earns rewards, so every qualifying purchase made on the card earns Walmart cashback that you will receive in the form of a statement credit.

Even better, the Walmart credit card does not charge an annual fee, so it costs you nothing to have the card.

You can use your Walmart credit card at:

  • Walmart Stores
  • Sam’s Clubs
  • Walmart Neighborhood Markets
  • com
  • Murphy USA Gas Stations
  • Walmart Gas Stations

The Walmart MasterCard, if you get it, can be used anywhere MasterCard is accepted.

Walmart Credit Card FAQ’s

If you’re a frequent shopper of one of these Walmart superstores, you may get exclusive discounts and benefits on daily purchases. These two cards come with almost the same benefits and offers. The only difference between the regular card and the master card is the Master Card version may come with a variety of extra benefits. If you have any doubts, Walmart Credit Card FAQ’s in the below sections.

Walmart offers two financing plans for large purchases made with each card. No interest was paid as long as the entire investment has paid off in full by the due date without any late. In the below sections, check Walmart Credit Card FAQs to know more.

Walmart Credit Card Alternatives for Poor or No Credit

If your credit history is not quite good enough to apply for the Walmart credit card, or if you’ve been denied, a secured card, such as the Platinum credit card from Capital One, is a good choice for a starter card.

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Read Walmart Credit Card Frequently Asked Questions

#1. What is the 3-2-1 save rewards program for the Walmart Credit Card?

The 3-2-1 save rewards program allows Walmart Credit Cardholders to earn rewards for purchases they make.

  • 3% cashback on purchases made on / Walmart App.
  • 2% cashback on fuel purchases made at Walmart or Murphy USA gas stations.
  • 1% cashback on other purchases made at where the Walmart Credit Card has accepted.

#2. Do I need to sign up for the new program?

No. All Walmart Credit Cardholders are automatically enrolled in the 3-2-1 Save rewards program as of April 1, 2016. So, just use your current card to earn rewards.

#3. Where are the Walmart Credit Card accepted?

The Walmart Credit Card has accepted at Walmart Stores, Walmart Supercenters, Neighborhood Markets,, Walmart and Murphy USA Gas Stations, and Sam’s Clubs.

#4. When does the new program begin?

The 3-2-1 Save rewards program starts on April 1, 2016.  Up to now, this is only the new program.

#5. Who is eligible for the 3-2-1 Save rewards program?

Any Walmart Credit Card or Walmart MasterCard cardholder whose account is open and in good standing. Walmart’s Business and Community accounts are not eligible.

#6. Why is the rewards program changing?

Rewards program changing is useful to help Walmart Credit Cardholders to save money and live better.

#7. How will I receive my prizes, and how often?

Rewards are issued monthly as a statement credit for a number of the total rewards earned in that period.

#8. Are there any purchase limitations on earning rewards?

Yes. You have some limitations on earning rewards.

#9. Are there any restrictions on the rewards that can earn with the 3-2-1 Save rewards program?

No. There are no limits on the rewards that can earn with the 3-2-1 Save rewards program.

#10. Do the rewards I received on the previous program transfer to the new program?

No. The rewards that you received on the previous program transfer to the new program.

#11. Do rewards expire?

No. Already earned rewards cannot be expired.

#12. Where can I find the 3-2-1 Save rewards Terms and Conditions?

You can find the 3-2-1 Save rewards Terms and Conditions on the official website in a form format.


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