For regular Walmart shoppers, there’s one card that stands out for its ease and perks: the Walmart Credit Card.
If you shop at Walmart—whether in-store, online, or even via grocery pickup—the Walmart Credit Card brings added benefits.
You can earn cashback on purchases, access special financing offers, and manage everything efficiently through digital tools.
What Is the Walmart Credit Card?
Simply put, the Walmart Credit Card is a cashback rewards card for Walmart shoppers.
Issued by Capital One, it’s accepted at Walmart locations and anywhere else Mastercard is used.
This partnership means you’re backed not just by Walmart, but also the digital, mobile banking, and security capabilities of a leading national issuer.
Honestly, if you do most of your spending at Walmart or want streamlined digital tools to manage your purchases, the card is pretty appealing.
Perhaps not perfect for everyone, but a strong fit for frequent Walmart customers or those new to credit rewards.
Main Features & Cashback Structure
Those cashback rates are higher than many generic rewards cards, especially if your spending leans heavily toward groceries and household items at Walmart.
- 5% cashback on Walmart.com – Applies to online Walmart purchases, including grocery pickups.
- 2% cashback at Walmart stores, fuel stations, restaurants, and on travel.
- 1% on other purchases everywhere Mastercard is accepted.
- Introductory Offer: First-year 5% cashback in stores when using Walmart Pay (the mobile payment option).
- Quick, secure digital account management via Capital One’s app and online platform.
Why Consider the Walmart Credit Card?
We all have stories of forgetting about our card’s rewards program or struggling with clunky apps.
Cashback Earnings
Earning up to 5% back is substantial—if you spend $2,000 a year on Walmart.com, that’s $100 in rewards.
Smaller purchases add up, too. Rewards are redeemable as a statement credit, toward purchases, for gift cards, or travel, not only at Walmart.
Security and Account Protection
$0 Fraud Liability. You’re never responsible for unauthorized charges if your card is lost or stolen.
Security tends to be one of those things many overlook—until something happens.
I’ve never had an issue personally, but it’s reassuring to know support is robust if you ever need it.
Digital Management & Flexibility
The integration with the Capital One app (Android) and iOS app makes managing the card remarkably easy.
Track transactions in real-time, set up automatic payments, and monitor your CreditWise score
Pay bills and transfer funds directly from your mobile device.
Special Offers and Perks
Sometimes there are seasonal promotions or exclusive savings for cardholders.
These tend to change, but it’s worth regularly checking your Walmart account dashboard or Capital One portal for new deals.
Fees & Costs: What to Know Before You Apply
Credit cards often come with fine print. For transparency, here’s a quick breakdown of the main Walmart Credit Card fees as of 2024.
| Fee Type | Amount / Range |
|---|---|
| Annual Fee | None |
| Purchase APR | 17.99% or 28.99% (variable) |
| Cash Advance APR | 28.99% |
| Transfer Fee | 3% per transfer |
| Cash Advance Fee | $3 or 3% (greater of the two) |
| Late Payment Fee | Up to $39 |
Source: Capital One Terms
There are ways to minimize these fees. For example, by paying your bill in full and on time, you avoid interest and late charges.
There’s no annual fee, so you don’t have to worry about paying just to keep the card open—something many reward cards can’t boast.
Step-by-Step: How to Apply for a Walmart Credit Card
The application is entirely online and takes only a few minutes for most people. Eligibility is based on your credit score, income, and a few other basics.
- Decide where to apply. You can apply through the Walmart Credit Card page or / Capital One’s dedicated page. Both routes work; sometimes one offers targeted promotions.
- Register or Log In. On Walmart’s site, you’ll need a Walmart.com account. On Capital One, you can apply as a guest.
- Complete personal & contact info. Provide your legal name, date of birth, Social Security number (or ITIN), mailing address, and contact details.
- Share financial details. This typically means your employment status, total annual income, and rent/mortgage payment. They want to know you can handle the credit line responsibly.
- Submit documentation (if required). Sometimes, additional verification is needed—a recent pay stub, bank statement, or government-issued ID, for instance.
- Review and submit. Confirm your info is accurate. After submission, you might get an instant decision. If not, expect a follow-up by email within a few days.
Managing Your Walmart Credit Card
Download the Capital One mobile app (Android / iOS) to manage your account, payments, and settings on the go.
Set up alerts. Get push notifications for due dates, large purchases, or suspicious activity.
Enable autopay for at least the minimum payment (but ideally the full balance) to avoid late fees and interest.
You can redeem or transfer rewards at checkout at Walmart.com. Some folks forget to redeem their rewards, but honestly, it only takes a minute in the app.
Support & Customer Service
Issues can crop up—cards lost, unauthorized charges, trouble with redemption.
- Walmart Customer Service: Call 1-800-925-6278 (1-800-WALMART) or fill out their feedback/contact form
- Capital One Customer Service: Call 1-877-383-4802 (general inquiries) or refer to the phone number on your card
- By mail: Capital One, Attn: General Correspondence, PO Box 30285, Salt Lake City, UT 84130-0285
If you’re a current user and want to manage your card online, log into your Capital One or Walmart account for live chat and secure messaging options.
Frequently Asked Questions (FAQs)
Can I use the Walmart Credit Card outside of Walmart?
Yes! Anywhere Mastercard is accepted—gas stations, travel, restaurants, and more. Cashback rates vary by purchase type.
Is there an annual fee?
No annual fee for the Walmart Credit Card—the rewards are net gain if you pay in full each month.
How do I maximize my rewards?
Make most purchases through Walmart.com or the Walmart app. Link your card to Walmart Pay for eligible first-year bonuses.
Will applying affect my credit?
Yes, submitting an application triggers a hard inquiry, which may cause a small, temporary dip in your credit score.
Key Takeaways & Next Steps
To sum up, the Walmart Credit Card is a practical choice for frequent Walmart shoppers.
The cashback rates—especially online—outpace many similar cards, and there’s no annual fee.
Digital management via the Capital One app adds convenience and control.
