The Walmart credit card gives you easy access to cashback, special financing, and exclusive perks. It’s designed to reward your everyday shopping, both online and in-store.
This article shows you how to apply step-by-step and what benefits you’ll get. You’ll learn exactly what to expect before signing up.
What You Need to Know About the Walmart Credit Card?
The Walmart credit card is a payment tool that lets you earn reward dollars when you shop. It works like a standard credit card but offers extra value at Walmart and selected partners.
You can apply online or at any Walmart store. There’s no yearly cost.
It includes easy-to-understand rewards and protection features. This guide explains how the card works, how to apply, and what to watch for.
Understanding Walmart Credit Cards
Walmart offers two card options. Each one fits different shopping needs.
Types of Walmart Credit Cards
Here’s a quick breakdown of the card options:
- Walmart Rewards Card – Use only at Walmart stores and online (Canada only).
- Walmart Rewards Mastercard – Use anywhere Mastercard is accepted, with more rewards.
Who Can Apply?
You need to meet a few basic conditions before applying:
- Be 18 years or older
- Have a valid Canadian address
- Provide a government-issued ID
- Show proof of income
- Pass a credit check
How to Apply for a Walmart Credit Card?
The application process is fast and available both online and in-store.
Steps to Apply
Follow these steps to start your application:
- Visit the Walmart Financial website or a store
- Pick the card type you want
- Enter your personal and income info
- Submit your application
- If approved, your card will be mailed to you
Apply Online
Use the website to apply in minutes. Fill out your info, upload ID, and confirm your details. You may get a quick decision. If not, you’ll be notified by email.
Apply In-Store
You can also apply at any Walmart. Go to the customer service desk. Ask for the application.
A team member will assist. Bring your ID and income proof. If approved, your card will be mailed to you.
Card Perks and Benefits
Both Walmart cards include cashback, security, and flexible payment options.
Earn Cashback on Purchases
You earn 5% in Reward Dollars on eligible Walmart Canada items. That includes groceries and daily goods.
You also get 2% back on gas, taxis, ride-shares, and more. Rewards are stored in your account. You can use them later for Walmart purchases. Conditions apply.
Use Special Financing
You may get access to payment plans for larger buys. These let you spread out payments. Some are interest-free for a limited time.
Offers change often, so check the latest terms. Available at checkout or in your account. Not all purchases qualify.
No Annual Fee
There is no annual fee for either card. You won’t be charged to keep it. This helps if you don’t use it often.
Just pay your bill on time. Late fees and interest charges may still apply. Read all terms before use.
Interest Rates and Fees
Before you use the card, know the interest rates and extra charges that may apply. Rates depend on where you live and which card you’re approved for.
Standard APR for Purchases
Before using your card, it’s important to understand the interest charges and extra fees involved. Rates vary depending on the card you’re approved for and where you live.
If approved for the Preferred Rate Card, the interest rate for purchases is 21.89%, and 22.97% for cash advances. If you don’t qualify, the Standard Rate Card applies: 26.99% for purchases and 27.99% for cash.
When you apply, you’re automatically considered for both cards. Your exact rate will be outlined in your Welcome Kit and shown in your monthly statement.
Extra Fees You Should Know
Besides interest, there are other possible charges:
- Late payment fees apply if you miss the due date.
- Cash advances come with higher interest.
- Returned payments may include an NSF fee.
- Foreign transactions may include conversion fees.
- Inactive accounts could face inactivity charges depending on the card’s terms.
- Always read the fine print to stay informed.
Managing Your Walmart Credit Card
Once approved, it’s important to manage your account efficiently. Online tools help you keep track of spending, payments, and rewards.
Setting Up Online Account Management
Managing your card is simple when you use the online account tools. These features let you track your spending, rewards, and payment activity in real time.
To start, you’ll need to create your online account as soon as you receive your card. Go to the official site, enter your card number, and verify your identity.
Then, set a strong password and follow the steps to finish your registration. Once you’re in, you can view your balance, manage your settings, and receive account alerts.
Checking Balances, Payments, and Statements
With an online account, you can:
- See your current balance anytime.
- View recent transactions and reward history.
- Make one-time or scheduled payments.
- Download monthly statements as PDFs.
- Set up alerts for due dates or activity.
- Monitor for errors or suspicious charges.
Security Features
Your card includes built-in protections to reduce fraud and help you recover if something happens. These features are automatic and require no extra setup.
Built-In Security for Fraud
These cards come with built-in protections to help you stay safe while shopping. One of the key features is Zero Liability, which means you won’t be held responsible for unauthorized charges.
This applies whether someone uses your card in-store, online, or over the phone. If the system detects anything unusual, it will send you a security alert or block the charge.
You can also reach out to 24/7 support to report issues or ask questions. These security tools are automatically included with your card.
How to Keep Your Card and Info Safe
Use these tips to protect your account and personal data:
- Choose a unique password and update it regularly.
- Don’t share your login details or card number.
- Enable purchase alerts in your account settings.
- Avoid logging in through public Wi-Fi.
- Report lost cards immediately.
- Review transactions weekly for anything unusual.
Need Help? Contact Customer Support
If you run into issues or have questions about your account, help is available. You can reach customer support by phone or mail.
For assistance, call 1-877-860-1250 anytime during business hours. The support team can help with billing, card issues, or lost cards.
If you prefer to write, send mail to 702 S.W. 8th St., Bentonville, AK 72716. Always have your card info ready when contacting support.
Summary: What to Remember About This Card?
The Walmart credit card offers basic rewards, account tools, and fraud protection. You can apply online or in-store with simple requirements.
Use the card wisely to earn reward dollars and avoid late fees. Always check your rates and terms before using them.
Disclaimer: The card terms may change at any time. Always review the latest conditions and rates provided with your statement or online.
