Walmart Credit Card-What Credit Score Is Needed ?(How To Apply, Cost, Benefits)

The Walmart Credit Card is a credit card that can only be used at Walmart stores and on, but it does offer great rewards that could help you save big money. If you’re looking to build or improve your credit score, this might not be the best option for you. But if you have a good credit history and are looking for a card with great rewards, then this could be an option worth considering.

Walmart Credit Card Was Used by a person through laptop for payment transactions.
Walmart Credit Card Was Used by a person through laptop for payment transactions.

What Is The Walmart Credit Card? What Credit Score Is Needed For?

The Walmart Credit Card is a credit card issued by Synchrony Bank. The card is designed for people with average to fair credit and can be used anywhere MasterCard is accepted. The Walmart Credit Card has no annual fee and offers special financing on qualifying purchases.

To qualify for the Walmart Credit Card, you must have an average to good credit score of 650 or higher. If you have less than perfect credit, there are other cards that may be more suitable for your needs.

How Much Does It Cost To Have A Walmart Credit Card?

A Walmart credit card is designed for people who want to build their credit history and improve their financial situation. The cards are available in two different types: store cards and co-branded cards. Co-branded cards feature an image of a major retailer on them, while store cards feature an image of the individual store itself.

The Walmart Credit Card has no annual fee, but there are still costs associated with using it. This includes overdraft fees if you use your card balance to make a purchase that exceeds your available funds in your checking account. There’s also a fee when you add money to your card through direct deposit or at an ATM.

How Do I Apply For A Walmart Credit Card?

There are many ways to apply for a Walmart credit card. Here are the most popular methods:

Online: Apply for a Walmart credit card online at card using your smartphone or computer. You can also submit an application for a Walmart credit card through the retailer’s app, available for both iPhone and Android devices.

In-store: Visit any Walmart store to apply in person. You may be asked to provide a valid form of identification such as a driver’s license or passport. If you’re not yet 18, you’ll need either a parent or guardian to sign on your behalf.

What Are The Benefits Of Having A Walmart Credit Card?

Walmart credit cards are a smart way to shop at Walmart. The card offers several benefits that can save you money and make shopping easier.

Here are the top five reasons to get a Walmart credit card:

  • Earn cash back on every purchase
  • Save money with no annual fee
  • Get special discounts and coupons on Tuesdays only
  • Use your fingerprint, PIN or Face ID to quickly check out
  • Get free shipping on most items

Do You Need To Pay An Annual Fee To Use Your Walmart Credit Card?

Yes, there is an annual fee associated with using a Walmart credit card. However, this doesn’t mean that you can’t take advantage of all the benefits they offer just because they want you to pay extra every year.

The reason why some people shy away from these types of cards is usually because they don’t want to pay extra in order to use their account (especially if they aren’t going to be using it very often). But if you are someone who plans on using their account quite often and wants access to all these great rewards programs and cash back offers then paying for them will most likely be worth it for you!


The Walmart Credit Card requires excellent credit to qualify for an account — so if yours isn’t excellent yet, consider waiting until it is before applying for this card. For any questions about our Queryreview article comment down below.

FAQ’s About Walmart credit card

What benefits does the Walmart Credit Card offer?

Special financing deals on large purchases like appliances, computers and TV’s

How do I apply for the Walmart Credit Card?

Apply online at or call 1-800-966-6546.

What forms of payment are accepted?

Visa, MasterCard, Discover and American Express credit cards are accepted. Prepaid gift cards are not accepted.

Where can I use my Walmart Credit Card?

Anywhere Visa, MasterCard, Discover or American Express is accepted in the U.S., Canada or Puerto Rico (online and in-store).

What happens if I don’t pay my bill?

If you miss a payment, we’ll send you a reminder and then your account will be turned over to an outside collection agency. You’ll receive their contact information and be able to make arrangements to pay the debt. If you don’t make payment arrangements with them, they may report your debt to credit bureaus.

If I sign up for a Walmart Credit Card, how long do I have to make my first payment? Can I transfer balances from other accounts?

You have 30 days from account approval to make your first payment on all Walmart Credit Cards except for the Walmart Mastercard which has no minimum payment due date.

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