Walmart Credit Card – Complete Guide 2025 –
The Walmart Credit Card is one of the most popular store credit cards in the U.S., offering cashback rewards, easy online management, and special discounts for Walmart shoppers. Whether you shop online or in-store, this card can help you save more on everyday purchases.
Types of Walmart Credit Cards –
Walmart offers two main types of credit cards:
Walmart Rewards Card –
Can be used only at Walmart stores and Walmart.com
Walmart Mastercard –
Accepted anywhere Mastercard is accepted worldwide
Top Benefits of the Walmart Credit Card –
5% Cashback: on Walmart.com and the Walmart app
2% Cashback: at Walmart stores, restaurants, and travel purchases
1% Cashback: everywhere else (for Walmart Mastercard holders)
No Annual Fee: save money yearly
Easy Mobile Access: manage your card via the Capital One App.
Where You Can Use the Card –
In-store: at any Walmart Supercenter or Neighborhood Market
Online: Walmart.com, Walmart app, and Walmart+ services
Everywhere: (for Mastercard version) – gas stations, restaurants, hotels, etc.
How to Apply for a Walmart Credit Card –
You can easily apply for a Walmart Credit Card online in just a few steps:
Visit the official Walmart Credit Card page
Click on “Apply Now” –
Fill in your personal and financial details
Review your terms and submit your application
If approved, you’ll receive your card within 7–10 business days.
Tips to Maximize Rewards –
Use your card for Walmart+ memberships and online grocery orders
Combine with Walmart Pay for easy mobile checkout
Pay your bills on time to avoid interest charges
Keep track of rewards using the Capital One app
Pros and Cons –
| Pros | Cons |
|---|---|
| No annual fee | High APR if balance is not paid monthly |
| Great online cashback | Limited store-only usage (for Rewards Card) |
| Easy approval process | Requires good credit score |
Final Thoughts –
The Walmart Credit Card is perfect for regular Walmart shoppers who want to earn cashback and save money every month. With zero annual fees, strong rewards, and easy online account management, it’s one of the best retail credit cards to have in 2025.