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Walmart Credit Card Review

If you've ever wondered if the Walmart store card or Walmart Mastercard are a good deal – this is the guide for you. If you frequently shop Walmart, you've likely been asked whether or not you'd like to apply for these cards at some point during your checkout. Here's what we learned about them, and what you'll want to know before you decide.

How Many Types of Credit Card does Walmart Offer?

Walmart Credit Card Vs. Walmart Mastercard

Walmart offers two credit cards – the Walmart Credit Card and the Walmart MasterCard. Each of these cards has their own particular restrictions and uses, so you'll want to familiarize yourself with both types to determine which card is the best for you based on your shopping habits.

The Walmart Store Credit Card and Walmart MasterCard

The Walmart Credit Card is a type of store card and can only be used at Walmart and Sam's Club, as well as their gas stations and websites. The Walmart MasterCard can be used wherever MasterCard is accepted. Both cards offer special financing for large purchases and cash back at Walmart and Sam's Club stores.However, there are also some points where they differ considerably. Let's take a closer look:

What Are the Differences Between the Two?

The major difference between the cards are that the Walmart Credit Card can only be used at Walmart and Sam's Club (as well as online and at their respective gas stations), while the Walmart MasterCard is accepted anywhere MasterCard is accepted. You can also pay off your balance on these cards at Walmart or Sams.

Is The Credit Card the Same as the Pre-Paid Card?

No. A Walmart Prepaid card is a card that is loaded with funds and can be used like a debit card until the funds run out or the card is topped off again. The Walmart MasterCard and store card are credit cards and have a credit limit as well as, in the case of the Walmart store card, restrictions on where you can use them.

Who Are the Targeted Customers of the Cards? Which Group Benefits the Most from Getting the Card?

With the Walmart store card, the obvious target audience is users who shop often at Walmart or Sam's Club stores.If you're a frequent shopper at either of these two retailers, you may find that having a Walmart store card opens up the door to some considerable savings.

Because the Walmart MasterCard can be used anywhere MasterCard is accepted, it offers many more benefits that can be used outside of Walmart and Sam's Club stores – such as 1% cash back on all purchases. Owners of either card can save 5 cents per gallon on gas purchases at participating Walmart gas stations.

If you enroll in electronic statements, you can also get free access to your FICO score every month, which can be a nice perk if you're looking to understand and improve on your credit score.

Which Bank is the Card Issued Through?

The Walmart MasterCard is issued by Synchrony Bank. Synchrony Bank also manages the rewards program that the Walmart MasterCard is part of.

Walmart is Huge

What Are the Interest Rates on the Cards?

Walmart credit card interest rate

When considering a credit card for everyday use, it's important to think about both the interest rates, and the annual fees (if any).Currently, as of May 2017, the details are as follows:

Interest Rates

The Walmart Credit Card has a variable interest rate, currently 23.15%. Cash advances are available at an interest rate of 25.90%.

The Walmart MasterCard has a variable interest rate, currently 17.15%, 20.15% or 23.15% depending on your credit.

Annual Fees

There are no annual fees with either the Walmart credit card or the Walmart MasterCard.

If you pay your balance off by the 23rd of each month, you can do away with interest entirely on your purchases.

What Are the Credit Limits on a Walmart Credit Card?

The credit limits on a Walmart Credit Card will depend on your credit history.Some users report a credit limit as low as $150.You can request a credit limit increase by signing into your Walmart credit card account and clicking on "Request a Credit Limit Increase" or contact the Walmart Credit Services customer line at 1-877-294-7880.

How Do You Apply for a Walmart Credit Card?

How do you apply for a Walmart credit card

The application process for a Walmart Credit Card is fast and easy – and you can even do it online.You can apply for a Walmart credit card at any store register or the jewelry kiosk. When you apply in-store for a card, you'll get a temporary "Shopping Pass" (if you want to use the card after you've applied for it, but before it has been issued). The shopping pass is good only at the store where you applied for the card, and it expires after 24 hours.

The Application Process

If applying in-store, the customer representative will walk you through the steps needed to process your application. If you want to apply online, go to and click Apply Now under "Walmart Credit Card Quick Links".

If you already have a Walmart account, you can simply log in to your account and then click the Apply Now link under "Walmart Credit Card Quick Links".

If you don't have a Walmart account, you'll need to create one to finish the application process. Creating a account requires your first and last name, email address, password and a confirmation of your password.

To complete your credit card application, you'll need to enter some basic information about yourself, including:

  • Your full name
  • Address
  • City / State / Zip
  • Home phone
  • Email address
  • Date of birth
  • Social security number
  • Annual net income
  • How many years you've lived at your current address

You can also choose your communication preferences – including whether you want electronic or paper statements.You'll then need to follow some common identity verification steps, such as re-entering your date of birth, social security number, and your mother's maiden name.Then read over and click to signify you're read the terms and conditions, and your application is ready to submit.

It's possible that you can get approved even before your card is issued. If this happens, you'll receive the temporary "Shopping Pass" noted above for the store where you applied for the card.

Once you receive your card, you'll need to activate it before you can use it.To do this, you can simply call the activation number – 1-877-969-9020 or complete the process online at and click the Activate My Card link.Then simply complete the following five steps:

  1. Enter your account number (found on the front of your card or on your statement
  2. Verify your status as the primary cardholder
  3. Choose your security preferences
  4. Select a security image and then complete the activation process.

Eligibility Criteria, Qualifications and Requirements

Walmart eligibility

Both the Walmart credit card and the Walmart MasterCard are best for people with Fair to Good Credit. This means having a FICO credit score in the mid 600s to lower 700s. Some users with stores in the 500 range have been approved for some version of the Walmart credit card – albeit with strict credit limits, so the possibility is out there if you have poor credit or a bad credit score.

Just keep in mind that if you are turned down for the Walmart MasterCard, you may also be turned down for the Walmart store card as well.

How Do I Manage My Online Account?

Logging into your Walmart account will enable you to manage either the Walmart MasterCard or the Walmart store card.You can also:

  • Check your balance
  • Pay on your Walmart Credit Card
  • Update your mailing address or phone number
  • Reset your password
  • Request a credit limit increase
  • Report a card as lost or stolen
  • Dispute a credit card charge
  • Add someone to your credit card account or
  • Request a credit balance refund

How Long Does it Take to Get a Walmart Credit Card?

Walmart employees

Often you can be approved for a Walmart credit card or a Walmart MasterCard within just a few minutes. If you apply in store at a register or kiosk and are approved, you'll get a temporary Shopping Pass valid for 24 hours which can only be used at the store where you applied, should you wish to start using your card right away even if it hasn't been formally issued yet.

Can I Check the Status of My Credit Card Decision?

You can check the status of your Walmart credit application by calling Walmart's Credit Services line at 1-877-969-3668. If approved, you should receive your card in the mail within 7-10 business days.

Payment Options for the Walmart Credit Card

There are two different kinds of financing plans if you make large purchases with your card. IF you pay off the purchase in full by the due date, you aren't subject to interest. However, if you do not pay off the purchase in full by the due date, the interest will accrue starting all the way back to the date of purchase. This means that interest on your purchase can add up – fast.

There are two tiers depending on the amount of your purchase:

  • A 6 month financing plan for purchases ranging from $150-298.99 and
  • A 12 month financing plan for purchases ranging from $299 or more

What is the Minimum Payment?

The minimum payment on your Walmart credit card or MasterCard will depend on your current balance and interest rate. You will see the total minimum payment due reflected in your paper statement or your e-statement, as well as in your online account.

What are the Late Payment Repercussions?

If you make a payment late on either the Walmart credit card or the Walmart MasterCard, you will be subject to a late fee of up to $35.

Benefits of Having a Walmart Credit Card Benefits of having a Walmart credit card

If you often shop at Walmart or Sam's Club, you'll notice right away that there are several benefits to having a Walmart Credit Card and/or Walmart MasterCard.While both cards have the same set of benefits, the MasterCard actually has a little more available through MasterCard itself. Here are the most notable ones:

No Annual Fee

Neither card has an annual fee, which is one less cost you'll need to worry about in the long run.

3-2-1 Savings

Both cards take advantage of a 3-2-1 Savings offer –3% cash back at Walmart and Sam's Club, 2% cash back at Walmart and Murphy USA gas stations, and 1% cash back everywhere else.

In Store Financing

Depending on the amount of your purchase, special financing offers are available for 6 months or 12 months respectively.

Save 5 Cents/Gallon at Participating Gas Stations Across the U.S.

You can save up to 5 cents per gallon at participating Walmart and Murphy USA gas stations across the U.S.

1% Cash Back on All Purchases

As part of the 3-2-1 Rewards program, you'll earn 1% cashback on all other purchases (not made at Walmart/Sam's Club or at Walmart or Murphy USA gas stations).

Best for Regular Walmart Customers

If you frequently shop at Walmart or Sam's Club, you may find the savings you get from the Walmart credit card to add up quickly. However, there may be better options out there depending on your credit score. See the drawbacks section below.

Fraud Liability Protection

Fraud protection for both the Walmart credit card and the Walmart MasterCard is offered by Synchrony Bank.According to their website, they take proactive steps to protect your personal and financial information, including:

  • Monitoring account transactions for suspicious activity
  • Verifying key information when communicating online, by phone or via mobile device
  • Resolving inquiries quickly, with minimal inconvenience.

Synchrony notes that basic fraud protection can only go so far, and that it is in the consumer's best interest to also minimize their risk, such as safeguarding personally identifiable information like your social security number, choosing a unique individual password for every account, shred documents that contain personally-identifiable information and verify sources before sharing information over the phone, online or through a mobile device.

Consumers should also monitor their accounts periodically to look for any suspicious activity. If you suddenly find that bills aren't arriving when you expect them to (or at all), or you suddenly receive calls or letters about purchases you didn't make or credit cards coming in the mail you didn't apply for, you may be a victim of identity theft.

In this case, it is vital that you take action immediately – place a fraud alert on your credit reports and look over them carefully. Close any accounts which you think have been opened without your permission and contact law enforcement to file a police report. The FTC also has an identity theft hotline at 1-877-ID-THEFT (438-4338). Visit for more information.

Drawbacks of Having a Walmart Credit Card

Drawbacks of having a Walmart credit card

Although the Walmart card is available to most consumers, there are still several notable drawbacks to consider before you apply. For example:

Rewards Expire After 13 Months if Not Used

The cash back that you earn through your purchases will expire after 13 months, so if the total sum of your rewards doesn't equal at least $5 (the minimum) within a little over a year, you'll lose them.

Low Credit Limits – As Low as $150

Depending on your credit score and other factors, your credit limit on your Walmart credit card could be as low as $150. As you continue to use it responsibly, however, you'll see your credit limit start to increase by a few hundred dollars.

Deferred Interest Rates

This one can add up quickly. If you're able to take advantage of special financing and pay off the entire balance before the due date, you won't have to pay any interest on your purchase. If you don't, however, your interest will accumulate from the very first date you made the purchase – as if there were no grace period at all. No matter how much you've paid off so far, the interest will be calculated on the full initial purchase.

High APR

As far as credit card interest rates go, the Walmart credit card and Walmart MasterCard are both fairly high. The regular interest rate is 22.9% on purchases with the cash advance at 25.9%. If you typically carry a balance on your credit cards, you may want to look elsewhere for one that has a more manageable interest rate, rewards that don't expire, and better rewards in the first place.

Lack of Exciting Rewards

Beyond the 5 cents per gallon discount on Walmart and Murphy USA gas stations, there's not much else to write home about when it comes to the rewards on these cards. Both the Walmart MasterCard and the Walmart store card have an introductory offer – where if you make a purchase of $75 or more at on the day you open the card, you'll get a one-time statement credit of $25.

Even with 1% cash back, there are still other credit cards that offer better cash back rewards and their rewards points don't expire!

What Do Customers Have to Say About the Walmart Credit Cards?

What do customers have to say about the Walmart credit cards?

For most customers, it really depends on how often they shop at Walmart or buy gas there as to whether or not the store card is a good idea. The MasterCard is decent for folks with fair credit but if you're looking for a card with a heavy focus on cash back or rewards points, there are better alternatives elsewhere (and, they don't expire!)

If you often shop at Walmart or buy gas there, you could enjoy a small amount of savings with this card. However, overall in terms of rewards, benefits, and costs, there are better cards worth owning. Many people do consider the Walmart store card as a sort of "emergency card" when they need to shop at Walmart for essentials and don't have cash on them. However, it's worth stating again that you should carefully consider the charges, fees, interest rates and other features of the card carefully before making a decision.

Which is Better – The Walmart In-Store Credit Card or the Walmart MasterCard?

If you often shop at Walmart or Sam's Club, you may find that the Walmart in-store card is a better option for you. The Walmart MasterCard, even when you consider all of the benefits it offers, still doesn't compare, for example to the Sam's Club MasterCard even though they have similar rewards. As far as the rewards rate, the Sam's Club MasterCard maximum is far superior.

Overall, the Walmart MasterCard offers meager benefits at an interest rate that's on the high end of the spectrum.Strictly speaking between the Walmart credit card and Walmart MasterCard, the MasterCard is the better choice, as you can use it anywhere MasterCard is accepted – and you're not limited to Walmart stores as you are with the Walmart credit card.

It's worth noting that the regular Walmart store card doesn't give you the 1% cash back that the MasterCard does.In fact, it doesn't really offer much outside of the gas discount. If your credit score is good, you'd be better off looking elsewhere for a card that has better benefits and lower fees.

Walmart owners the Waltons

Frequently Asked Questions about the Walmart Credit Card

It's common to have questions before you sign up for a Walmart credit card, and sometimes customer service can't really help you. For these unique cases, we've rounded up some of the most common questions people have about both types of Walmart credit card.

What can I use my Walmart credit card for?

You can use both the Walmart store card and the Walmart MasterCard for Walmart and Sam's Club purchases. The Walmart MasterCard goes beyond the store, however, and can be used on purchases outside of the retailer.

Larger purchases entitle you to finance options – just be sure to pay off the balance in full by the due date to avoid being charged interest (which accumulates from the date of purchase, as if there were no grace period).

Where can I use my Walmart credit card?

The Walmart store credit card can be used only at Walmart and Sam's Club stores across the U.S. The Walmart MasterCard can be used anywhere MasterCard is accepted.

How long does it take Walmart to refund your credit card?

If you made a purchase with your Walmart store card or a Walmart MasterCard and want to be refunded (because an order was canceled, defective, etc.), it may take up to 5 business days for the refund to show on your account.

How can I check my Walmart credit card balance?

You can check the balance on your Walmart store card or Walmart MasterCard at any time by logging into and clicking on your account. You can also make payments on your card online from your account dashboard.

How do I withdraw money from Walmart credit card?

Unlike a debit card, the Walmart credit card doesn't have a balance that you draw from. You can get a cash advance, but you're subject to a hefty interest rate as a result.If you have a credit balance on your card and want a refund, you can get it by signing in to your Walmart credit card account and clicking on Account Summary, then click the link for Credit Balance Refund.

You can also call Walmart Credit Services at 1-877-294-7880.

Can I pay for my Walmart credit card with debit card?

You can pay your Walmart credit card online through your account. Online payments post to your account in around 2-3 business days.You can also make an e-payment through CheckFree. Currently, Walmart's online payment services does not accept recurring payments or payments made online by debit card.

You can, however, pay by phone with your debit card using the Speedplay option. If you use the automated payment option, the service is free, however, if an associate should assist you, there is a $10 service charge.You should have your checking account details (check number, account number, bank routing number) available when you call.

Walmart Credit Card Pay by Phone: 1-877-294-7880

Walmart MasterCard Pay by Phone: 1-866-611-1148

Can I use my Walmart credit card without the card?

While many companies let you use their cards without physically having the card on you, for privacy reasons, Walmart does not let you use their credit cards without the card.

How to add an authorized user to Walmart credit card?

If you'd like to add an authorized user to your Walmart credit card, you can do so through the Account Management page of your Walmart Credit Card account online, or add the authorized user over the phone by calling Walmart Credit Services at 1-877-294-7880.

Can I upgrade Walmart credit card?

Many customers wonder how to "upgrade" their Walmart credit card. Oftentimes what they really want to know is if they can increase their credit limit.You can do this by signing into your Walmart credit card account and clicking Request a Credit Limit Increase. You can also call Walmart's credit services toll-free at 1-877-294-7880 where representatives can help walk you through the process, 24 hours a day, 7 days a week.

How to use Walmart credit card cashback?

As part of the 3-2-1 Save rewards program, the cash back you earn appears as a statement credit for the amount of total rewards you've earned in that time period.

How soon can I use my Walmart credit card once I receive it?

You can start using your Walmart store card immediately upon approval. Your Walmart MasterCard will arrive via mail within a few days upon approval of your application. Because it takes time for your actual Walmart store card to be issued, you will be given a temporary "Shopping Pass" which can only be used at the store that you applied for the card at, and expires after 24 hours.

How to contact Walmart credit card services?

To contact Walmart credit card services, call toll-free 24 hours a day, 7 days a week:


How to register my Walmart credit card online?

To register and activate your Walmart credit card, you'll need to create an account at Through your online account, you'll be able to pay your bill online, view statements electronically and set up account alerts.

How often can I get cashback from Walmart credit card?

Your cashback rewards savings will appear as a statement credit on your account for that billing period. As a Walmart credit card user, you'll enjoy a 3% savings on purchases, a 2% savings on Murphy USA and Walmart gas and 1% at Walmart stores and Sam's Club.

How can I pay for my Walmart credit card online?

You can sign into your Walmart Credit Card account to make a payment directly online. If you haven't created an account yet, click on the Enroll now link. Online payments can be made through E-Payment or CheckFree. CheckFree is a third party service that requires a separate registration.

To make an online payment you will need to set up E-Payment with your bank. You'll need to have a valid checking account from a U.S. financial institution, as well as the following information available when you sign up:

  • Your bank name
  • Checking account number
  • Bank routing number (found on the lower left of your checks)

When using e-Payment, you have different options regarding the amount you pay, including:

  1. The total minimum payment due (The amount you must pay in order to avoid late payment fees)
  2. The last statement balance (this is your previous balance minus any adjustments and payments plus transactions and finance charges
  3. Your current balance

You can also place a Stop Payment on an e-Payment, but only if it is pending or has not been processed yet.

How can I change my information on my Walmart credit card?

You can change some of the personal information on your Walmart account through your online account management dashboard.

How can I increase the credit limit on Walmart credit card?

To increase your credit limit on your Walmart credit card, sign into your account, then click on Request a Credit Limit Increase. You can also call 1-877-294-7880 24 hours a day, 7 days a week.

How to report a stolen Walmart credit card?

If your Walmart credit card has been lost or stolen, you can report it as such by signing into your credit card account, clicking on Account Summary, clicking Request Replacement Card, or by calling 1-877-294-7880. Representatives are available to help 24 hours a day, 7 days a week.

How can I cancel my Walmart credit card?

If you'd like to cancel your Walmart credit card or MasterCard, send a signed letter stating as such to the address on your last billing statement or by calling 1-877-294-7880. Under most circumstances, you will still be liable for the outstanding credit card balance. Be sure that if you have other users on your account, to also collect their cards and shred them.

Also, keep in mind that Walmart issues its credit card through Synchrony Bank, which in turn reports your credit card activity to the three major credit card bureaus.Closing your account could negatively affect your credit history, depending on the length of time you've had your Walmart card. If it is the oldest credit card you have, consider paying off your balance in full and keeping the account open instead.

Can someone co-sign for a Walmart credit card?

If you are the primary account holder of a Walmart credit card, you can add authorized users to your card through your online account.

Can I pay my Walmart credit card with PayPal?

Currently PayPal is not an accepted method of paying your Walmart credit card. You can, however, pay using CheckFree or by doing a direct bank transfer (e-Payment) through your checking account.

Can I use my card overseas/abroad? If yes, what are the related fees?

You can use the Walmart MasterCard anywhere MasterCard is accepted, however, the Walmart credit card can only be used at Walmart and Sam's Club stores. There is a foreign transaction fee of 3% for each transaction. A foreign transaction fee is a charge made by a credit card when you use your card to make a purchase in foreign currency.

Which credit bureaus does Walmart credit card report to?

The bank through which Walmart issues its credit cards, Synchrony, reports your credit card activity to the three major credit bureaus: Equifax, Transunion and Experian.

What are the hidden charges on my card?

If there are charges you do not recognize on your Walmart credit card, you are advised to call customer service at 1-877-294-7880 immediately.Representatives are available to assist you 24 hours a day, 7 days a week.

I haven't received the gift card as promised when I signed up. What should I do?

If you were promised a gift card of any kind when signing up for a Walmart credit card, you may have been the victim of a scam. Currentl, Walmart is only offering its 3-2-1 Save and the ability to save up to $50 (which appears in the form of a credit statement) on your first purchase online.

Is my family authorized to use my credit card?

If you'd like to add an authorized user to your card, you can do so by calling Walmart credit services at 1-877-294-7880. You can also complete the process online through your account management page. Keep in mind that you are responsible for any purchases made by users authorized on your account.

How many supplementary cards can I have?

If you need to request a new card, you can do so by logging into your Walmart credit card account and clicking Request Replacement Card. You can also contact customer service at 1-877-294-7880 if you have specific questions about supplementary cards.

This is my first credit card, will my application get rejected?

The Walmart credit card and Walmart MasterCard are recommended for people with fair credit or better, so if you do not yet have a credit history built up, you may find your application rejected. There are many credit cards available for "first timers" which offer much better rates and rewards for users looking to build up their credit history for the first time. We recommend checking out for all the details on which cards we recommend for users looking to establish a credit history.

Why am I being charged a late fee when I have made the full payment?

Sometimes, particularly when making payment by check there is a delay between when the payment is processed and when it appears on your account. If this falls past your due date, you could be subject to a late fee.Should you have account specific questions, it's recommended that you contact Walmart's credit card services at 1-877-294-7880.

Why am I seeing a drop in my credit limit?

If your Walmart credit limit has dropped unexpectedly, it is likely because information about your credit history or other credit card purchases have been made, and the bank has deemed you too much of a credit risk. If you believe there is no reason why your credit limit should have decreased, you can contact Walmart's credit services at 1-877-294-7880 to get details pertinent to your account and purchases.

Will my account status depend on the number of transactions I make at Walmart?

It's better not to think of your account status as dependent on the number of transactions so much as whether or not you pay off those purchases in full at the end of every billing cycle. Continuing to do this as a responsible cardholder can help increase the likelihood that your credit limit will increase.

When does the card become frozen?

If there is suspicious activity concerning your Walmart credit card, or you find unusual transactions, your card may become frozen for security reasons. If you are concerned about your card becoming frozen or if it has become frozen and you're not sure why it's best to contact customer service at 1-877-294-7880 to get your concerns resolved.

How can I save more money with the Walmart card?

In order to maximize the savings you get from your Walmart card, you should ideally only use it for purchases at, where you're entitled to 3% cash back, as well as gas at Walmart. You can also take advantage of the introductory offer in order to save even more.However, if you're looking to save money in general with a store card or credit card, there are better alternatives available that are worth looking into.

Can I re-activate my account if closing it once?

If you have closed your Walmart credit card account, it's best to create a new one and enroll again. Walmart is unable to reopen or reactivate a closed account, however, you can still use the email address you originally used when signing up.

Will there be a replacement cost if I damage my credit card?

There is no cost to request a replacement card and you can do so directly online.

Can I exchange the points for my card against my next bill at Walmart?

Your rewards points will come in the form of a statement credit, so if you're looking to exchange those points against your Walmart credit card bill statement, you're in luck, as the process happens automatically.

Do I get 24/7 customer support when I sign up for my card?

You'll be glad to know that Walmart's card services provide 24/7 assistance for any questions you may have about your account.

Will spending more at Walmart get me more cash back?

Only purchases at qualify for the 3% cashback bonus. Shopping at your local Walmart store will only give you 1% cash back (2% if the purchase is for gas). If you're looking for better cash back rewards or rewards points, there are many other credit cards that give you more than the Walmart card, which may be worth looking into depending on your particular needs.

Can I transfer money to my account from an account outside the United States?

You can pay your Walmart credit card balance from anywhere as long as you have a secure internet connection. Keep in mind that if you make a payment using foreign currency, you'll be charged a 3% foreign transaction fee.

Should I wait for my new card before my next shopping visit to Walmart?

Shopping at Walmart stores entitles you to 1% cash back on your purchases, so if you feel this could add up quickly in your favor, you may want to wait for your card before you take your next grocery trip. Keep in mind that if you've just applied for a Walmart store card, you'll be given a temporary Shopping Pass that you can use at the store where you applied, for up to 24 hours, before your card is formally issued.

Which bank do I have to visit to sign up for the Walmart card?

You don't need to visit a bank in order to get a Walmart card (either a store card or the Walmart MasterCard). You can apply online, at any Walmart store register or at the jewelry kiosk.

Can I sign up for text alerts on my card?

Your online account management area allows you to set up account alerts as well as pay your bill online and view your electronic statement.

Is there a special card for business owners?

The Walmart Business Credit Card is available for businesses who would like to enjoy the convenience of credit to help grow their business.

How can I claim a refund if my order has not arrived?

If your order has not arrived, you are encouraged to track it online and allow up to the evening of the last delivery date range before taking the next step. If you've ordered multiple items, they may be shipped from different warehouses on the way to you. They may also arrive in different boxes on different dates.For orders of multiple items, each one will have a respective tracking bar when you go to track it online.

If your delivery date has already passed and you want to claim a refund, you are encouraged to contact customer service.

Do points accumulate faster when I shop from specific stores?

You'll receive 3% cash back when shopping online at, as well as 2% from Walmart and Murphy USA gas stations. Shopping in-store at Walmart entitles you to 1% cash back. If you have a Walmart store card, it can only be used at Walmart and Sam's Club stores whereas the Walmart MasterCard can be used anywhere that accepts MasterCard and entitles you to the same cashback rewards.

Overall, if you're considering a Walmart credit card or Walmart MasterCard because of the potential savings you can get from Walmart stores, Sam's Club or shopping online, you may be disappointed to learn that the benefits aren't really that great – especially compared to other rewards or cashback cards.

With the high-interest rate and special financing that accrues interest from the date of purchase onward, the costs of owning a Walmart credit card can easily outweigh any benefits you'd get.Even if you shop often at Walmart or Sam's Club, you'll find the rewards to be more than lackluster, since most people forget that they expire after 13 months.

If you're looking to earn the most cashback on purchases you make – both at Walmart and beyond, there are a wide range of credit cards with better rewards programs (and points that don't expire!) We recommend checking out our top choices here on before making your decision, so that you can get the best deal possible, at the best rates and help improve your credit – not get locked into a mediocre card that may not be right for you.

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