Walmart Credit Card – Learn How to Apply Online

Walmart attracts over 250 million visitors each day, offering a vast array of products at low prices. They also provide enticing credit card deals for frequent shoppers, both in-store and online. 

This guide covers the Walmart credit card’s functions, perks, costs, and online application process. It aims to help you use it wisely, whether you’re applying or already have one.


Types of Walmart Credit Cards

You’ve got two Walmart credit card options. Each caters to different shopping habits. Let’s dive into what makes them stand out to figure out which matches your needs best.

Capital One Walmart Credit Card

Maintained by Mastercard and launched back in 2019, this card comes with a 0% annual fee, making it a cost-effective option for regular Walmart shoppers. 

The card offers an attractive rewards program, providing cashback on everyday essentials, groceries, and more. 


Such Walmart card rewards make it a match for diverse needs, whether shopping online or offline. You can earn cash bonuses on all purchases made with the card under a tiered system:

  • Enjoy a 5% cashback on purchases made through or the Walmart app, including Grocery Pickup and Delivery.
  • Receive a 2% cash back on purchases made at Walmart stores and Walmart & Murphy USA Fuel Stations;
  • Get a 1% cashback on all other purchases.

If you’re a new cardholder, there’s a special deal just for you. For the first year, you get 5% back on what you buy at the retailer’s stores with your new card. It’s a good way to make your initial spending more rewarding.

Shop Smart, Earn More

This Walmart credit card offers easy online management, letting you check purchases, follow rewards, and pay easily. 

You also get Capital One extras like concierge service, travel insurance, and extended warranties, improving your banking experience. 


It’s aimed at those with good credit and is ideal for frequent online shoppers, offering significant cashback on online buys and deliveries.

Walmart Rewards Credit Card

This card charges no annual fee, ideal for Walmart fans. It offers straightforward online tools to monitor buys, rewards, and bill payments.

Unlike the Capital One card, the Walmart Rewards Card works only in the Walmart ecosystem, limiting its use elsewhere. You get:

  • 5% back on and app purchases;
  • 2% back at Walmart stores and Walmart & Murphy U.S. gas stations;
  • 1% back on in-person buys at Sam’s Club and their gas stations.

If you don’t have a strong credit score, you might not qualify for the Capital One card but could get the Walmart Rewards Credit Card instead. It’s a solid choice for regular Walmart shoppers.

Why You Should Consider a Walmart Credit Card

Considering a Walmart credit card? Here’s the lowdown. First off, the cashback rewards program is a big win. 

You get more cash back for spending directly with Walmart—online, in-app, or in-store. Plus, no annual fee means you’re saving money right off the bat.

But wait, there’s more. The Walmart credit card comes with a bunch of other perks:

Special Financing Options

If your credit is up to scratch, you might get special financing deals with this card. It lets you spread the cost of big buys over time, dodging interest fees.

Extra Perks for Cardholders

Beyond the usual rewards, there are bonuses like fuel discounts at Walmart and Murphy USA, early dibs on promotions, and other unique deals.

Manage Your Account Online

The card’s online setup makes it simple to track transactions, check rewards, pay bills, and get alerts. 

It’s about giving you control and a clear view of your money moves.

Boost Your Credit

Using the Walmart credit card wisely—like paying on time and not maxing it out—can help fix or build your credit

It’s a step towards showing you’re good with credit, possibly bumping up your score.

Simple Steps on How to Apply

To secure a Walmart credit card, follow these extended steps:

  1. Start Online: Navigate to This is your starting point for both checking your eligibility and applying for the card.
  2. Account Setup: If you already have a Walmart account, log in using your credentials. If you don’t, there’s an option to create one. You’ll need to provide some basic information like your name, email, and password.
  3. Application Process: Once logged in, you’ll be guided through the application process. This involves entering personal and financial details that Walmart uses to evaluate your creditworthiness.
  4. Pre-Approval Check: Before completing the full application, you can click on the “See if I’m pre-approved” option. This is a soft check on your credit that won’t impact your score, giving you an idea of your approval chances.
  5. In-Store Application: Prefer a face-to-face interaction? Visit any Walmart store and apply in person. Bring a state-issued ID or driver’s license for identity verification.
  6. Phone Application: For those who find online or in-store inconvenient, calling Walmart’s customer service at (800) 903-9177 is an alternative. A representative will guide you through the application over the phone.
  7. Credit Score Requirement: Generally, to be considered for approval, your credit score should fall in the fair to good range, roughly between 580 and 740. This range might vary based on the specific Walmart credit card you’re applying for.
  8. Approval Timeframe: Instant approval is possible but not guaranteed. If your application doesn’t get an immediate response, expect to wait 7-10 business days for a decision.
  9. Receiving Your Card: Once approved, your Walmart credit card will be mailed to you and should arrive within 10 business days.

Final Thoughts

In summary, both Walmart credit cards offer perks that enhance shopping, making each purchase more rewarding. 

Specifically, the Capital One card is ideal for those who prefer online shopping, offering a wide range of benefits. 

On the flip side, the Walmart Rewards Credit Card is tailored for in-store shopping enthusiasts. 

Disclaimer: This overview is for informational purposes only. Always review the latest terms and conditions directly from Walmart and Capital One before making a decision.