Walmart Credit Card – How to Apply Online

Applying for a Walmart credit card can unlock many benefits for frequent shoppers. This article guides you through the online application process. 

You’ll learn about the card’s features and benefits and how to apply them seamlessly. Follow these steps to start enjoying the perks today.


What is the Walmart Credit Card?

This credit card offers shoppers a range of benefits, including rewards and savings options to enhance their shopping experience.

Types of Walmart Credit Cards

Each card offers different benefits to suit your shopping needs.

Walmart Rewards Card

This card offers great rewards with no monthly fees or minimum balances. You can earn 3% cash back at Walmart and enjoy a fee-free overdraft.


Capital One® Walmart Rewards® Card

Earn 5% cash back at and 2% in stores. You also get 1% cash back everywhere else Mastercard is accepted.

Benefits and Rewards

These features enhance your shopping experience and help you save money.

Cashback Offers

With these cards, you can earn cash back on every purchase. Enjoy 3% cash back at Walmart and more.


Special Financing Options

These cards offer special financing on eligible purchases, a fee-free overdraft, and a 3.00% APY on savings.

Eligibility Criteria

You must meet specific requirements to apply for a Walmart credit card. Below is a list of the main criteria:

  • 18 years or older
  • U.S. resident
  • Valid Social Security Number
  • Good credit score

How do you apply for this credit card online?

Applying for this credit card online is simple and convenient. Follow these steps to complete your application efficiently.

Step-By-Step Application Process

To begin, visit the Walmart Credit Card application website. Here, you’ll find all the necessary information.

Visit the Walmart Credit Card Application Website

Go to the official application page. Make sure the website is secure and begins with “https.” 

This ensures your information is protected. Start the application process by clicking on the appropriate link.

Select the Desired Card Type

Choose between the Walmart Rewards Card and the Capital One® Walmart Rewards® Card. Read the benefits of each card to decide which one suits you best. 

Click on the card type you want to apply for. This will take you to the next step in the process.

Fill out Personal Information

Please enter your details accurately, including your full name, address, and Social Security Number. Double-check all information before proceeding. Accuracy is important for a smooth application process.

Review Terms and Conditions

Carefully read the terms and conditions provided. Understand the interest rates, fees, and other important details

Before proceeding, make sure you are comfortable with the terms. This step is crucial to avoid future misunderstandings.

Submit the Application

After reviewing all information, submit your application. Double-check for any errors before finalizing. 

Click the submit button to submit your application for review. Once it’s submitted successfully, you will receive a confirmation.

Tips for a Successful Application

To increase your chances of approval, follow these helpful tips.

Ensure Accurate Information

Provide accurate and complete information throughout the application. Errors can lead to delays or rejection. Double-check your details before submitting. Accuracy is key for a successful application.

Check Credit Score Before Applying

Before applying, check your credit score. A good credit score increases your chances of approval. Use free online tools to get your score. Knowing your score helps you understand your eligibility.

Interest Rates and Fees

Understanding the interest rates and fees associated with the Walmart credit card is important. Here’s what you need to know.

Current Interest Rates

Walmart’s credit card has different interest rates for purchases and cash advances. Knowing these rates can help you manage your finances better.

Variable APR for Purchases

The purchase APR varies between 19.48% and 29.99%, depending on your creditworthiness. Check your rate carefully before making purchases. Variable rates mean they can change over time.

APR for Cash Advances

Cash advances have a variable APR of 29.99%, usually higher than the purchase APR. Avoid cash advances unless necessary, as they can become costly due to the high interest.


The Walmart credit card comes with several fees. It’s essential to be aware of these to avoid unexpected charges.

Annual Fee

The Walmart credit card has no annual fee, making it cost-effective for regular use. You can enjoy the benefits without worrying about yearly charges.

Late Payment Fee

If you miss a payment, a late payment fee applies. The fee can be substantial, so always pay on time. Timely payments help you avoid extra costs. Check your billing statement regularly.

Foreign Transaction Fee

Using your card abroad may incur a foreign transaction fee, usually a percentage of the transaction amount. Be mindful of this when traveling; it can add up quickly on foreign purchases.

Managing Your Account Responsibly

Managing your credit card responsibly is key to maintaining good financial health. Here are some tips to help you stay on track:

  • Make payments on time to avoid late fees and interest charges.
  • Monitor your account regularly to track spending and identify any unauthorized transactions.
  • Set up account alerts to receive notifications about due dates and suspicious activity.
  • Use rewards wisely by redeeming them for maximum benefit.

Customer Support

Customer support is available by phone or mail for any questions or issues with your credit card.

Bank’s Telephone Number and the Bank’s Address

If you need assistance, call 1-877-860-1250 or mail 702 S.W. 8th St., Bentonville, AK 72716. Customer service is ready to help with any concerns; this contact information ensures you have access to the support you need.

Disclaimer: The information provided is for general purposes only. Verify details independently to ensure accuracy.

Final Thoughts on the Walmart Credit Card Application Process

Applying for a Walmart credit card online is straightforward and beneficial for frequent shoppers. Follow the steps outlined to ensure a smooth application. 

Managing your account responsibly and understanding the interest rates and fees will help you make the most of your card. Customer support is available for any questions or issues you may encounter. Enjoy the rewards and benefits that come with your Walmart credit card.