EDITOR’S NOTE: The Walmart® Credit Card and Walmart® Mastercard® offers mentioned in this article have expired and are no longer available
Walmart® offers two credit cards. One is a regular store credit card, the Walmart® Credit Card and the other is a Walmart® Mastercard®. The Walmart® store card is like any other store card, meaning that it is only good for making purchases at Walmart® or one of its family stores, such as Sam’s Club®. The Walmart® Mastercard®, on the other hand, is a credit card that you can use wherever Mastercard® is accepted.
Walmart® Credit Card highlights
| Rewards earned on purchases | 3% back on Walmart.com, 2% back on Walmart and Murphy USA gas stations 1% on other eligible purchases with the Walmart® Mastercard®, 1% on other eligible Walmart® purchases with the Walmart® Credit Card (some exclusions apply) |
|---|---|
| Annual Percentage Rate (APR) for Purchases (Walmart® Mastercard®) | 17.65% to 23.65% Variable APR, based on your creditworthiness and other factors (per the Walmart website this information is accurate as of May 30, 2017 and may have changed after that date) |
| Annual Percentage Rate (APR) for Purchases (Walmart® Credit Card) | 23.65% Variable APR (per the Walmart website this information is accurate as of May 30, 2017 and may have changed after that date) |
| Bonus Offer | If approved for a Walmart Credit Card online, you can save 20% up to $50 on your first online purchase made on the same day as the application. Offer ends June 14, 2017 |
| Annual Fee | $0 |
Walmart® Credit Card basics
EDITOR’S NOTE: The Walmart® Credit Card and Walmart® Mastercard® offers mentioned in this article have expired and are no longer available
Anyone can apply for a Walmart® Credit Card, but we think they may be geared toward consumers who have average or limited credit. The Walmart® Mastercard® has more stringent credit requirements than the store card, so if you are interested in building or rebuilding your credit score, the store card is a good first step.
Both cards allow cardmembers to earn rewards through the 3-2-1 Save Rewards program. Cardmembers can earn:
- 3 percent back on purchases made on Walmart®.com, which include purchases made on the Walmart® App
- 2 percent back on fuel purchases made at either Walmart® or Murphy USA (excluding Murphy Express) gas stations
- 1 percent back on other eligible purchases made at Walmart® locations with the Walmart® Credit Card. With the Walmart® Mastercard®, 1 percent back on other eligible purchases from Walmart locations and from any merchant that accepts Mastercard credit cards
- Cash back is applied as a credit to your statement
Walmart® Credit Card pros
The bonus offer of 20 percent off online purchases made on the first day can be stacked with in-store sales for real savings.
We always like cards with no annual fee.
It can be hard to earn enough rewards on some fee cards to negate the cost of owning the card.
Walmart® Credit Card cons
Interest rates on both cards run on the steep side. If you tend to carry a balance, look for a financing option that will allow you to pay down your debt at a lower cost.
Should you get this credit card?
While the Walmart® Credit Card certainly isn’t the most advantageous credit card for people with great credit, with responsible use by you, it could help you get back on track or build your credit if you are starting over or starting from scratch, keep in mind this version of the credit card can only be used for purchases at Walmart® or one of it’s family of stores such as Sam’s Club®.
The Walmart® Mastercard®, on the other hand, is a credit card that can be used wherever Mastercard® is accepted.
If Walmart® is your place to shop the Walmart® Credit Card or the Walmart® Mastercard® could be just the ticket to get some nice cash back rewards.
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