Applying for a Walmart Card online is quick and easy. The card offers various benefits, including cashback and exclusive financing options.
Whether you’re looking to save on everyday purchases or earn rewards, the Walmart Card can enhance your shopping experience.
In this simple guide, we’ll walk you through the steps to apply online, ensuring a smooth and hassle-free application process.
Eligibility Requirements
Before applying for a Walmart Card, make sure you meet the following criteria to ensure your application is successful:
- Age: You must be at least 18 years old.
- U.S. Citizenship or Residency: You must be a U.S. citizen or permanent resident.
- Social Security Number: A valid Social Security Number is required for identity verification.
- Credit Score: A good to excellent credit score is recommended for better approval chances.
- Income: You may need to provide proof of income or employment status.
Required Documents and Information
To complete your application, you will need to have the following documents and information on hand:
- Personal Details: Your full name, address, phone number, and email address.
- Financial Information: Annual income, employment status, and possibly details of any other financial obligations.
- Identification: For identity verification, a government-issued ID, such as a driver’s license or passport.
- Social Security Number: This is required for a credit check to confirm your identity.
Step-by-Step Guide to Apply
Applying for a Walmart Card online is straightforward and can be completed in just a few simple steps.
Follow this guide to make sure you don’t miss anything along the way:
- Visit the Walmart Website: Go to the official Walmart Credit Card application page.
- Choose the Card Option: Select whether you want to apply for a Walmart Store Card or Walmart Rewards Card, depending on your needs.
- Fill Out the Application Form: Enter your personal and financial information, including your name, address, income, and Social Security Number.
- Submit Your Application
- Double-check the information you've entered and submit your application.
- Wait for Approval
- Approval is usually fast—either instantly or within a few business days. You’ll receive a notification about the decision.
- Receive Your Card: Once approved, your physical card will be sent to you, or you will have immediate access to your digital card for online use.
Benefits of the Walmart Card
The card has several perks to help you save money and make your shopping experience more rewarding.
Here are some of the key benefits:
- Cashback Rewards: Earn cashback on Walmart purchases, both in-store and online.
- Special Financing: Enjoy promotional financing offers for large purchases, making it easier to pay over time.
- No Annual Fee: The Walmart Card has no annual fee, making it an affordable option for regular shoppers.
- Exclusive Discounts: Access exclusive discounts on select items at Walmart.
- Rewards at Walmart and Beyond: Earn rewards for purchases made at Walmart and other affiliated stores or services.
Fees and Interest Rates
Understanding the fees and interest rates associated with the Walmart Card is crucial to managing your account responsibly.
Here's a breakdown of the key charges:
Capital One Walmart Rewards® Mastercard
- Annual Fee: $0
- Purchase APR: 17.99% to 26.99% (Variable)
- Cash Advance APR: 29.99% (Variable)
- Late Payment Fee: Up to $8
- Cash Advance Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: $0
Walmart Rewards Card
- Annual Fee: $0
- Purchase APR: 27.24% (Variable)
- Cash Advance APR: 29.99% (Variable)
- Late Payment Fee: Up to $8
- Cash Advance Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: $0
How to Use the Walmart Card
The card offers convenient ways to save money while purchasing at Walmart and beyond.
Here’s how you can make the most of your card:
- In-Store Purchases: Use the Walmart Card like a regular credit card to pay for purchases at Walmart locations.
- Online Shopping: Apply your card for purchases on Walmart's website and mobile app to take advantage of rewards and financing offers.
- Walmart+ Membership: Link your card to a Walmart+ membership for additional benefits, including free delivery and discounts on fuel.
- Automatic Payments: Set up automatic payments to avoid late fees and maintain a good credit standing.
- Rewards Redemption: Earn cashback and rewards points for every purchase, which can be redeemed for future Walmart purchases.
- Track Spending: Use the Walmart app or online account management tools to track your spending, check your balance, and manage payments.
Customer Support
If you need assistance with your Walmart Credit Card, there are several ways to get help:
Phone Support
- 24/7 Customer Service: Call 877-294-7880 for general inquiries. Press "0" twice and say "customer service" to speak with a representative.
- Card Activation: To activate your card, call 866-888-3868.
Online Support
- Chat with Eno: For quick answers and assistance, use Capital One’s virtual assistant, Eno, available in the mobile app or online.
- Secure Messaging: Log in to your Capital One account to send and receive secure messages regarding your account.
Mail Correspondence
- General Correspondence: Capital One, Attn: General Correspondence, P.O. Box 30285, Salt Lake City, UT 84130-0285.
In-Store Assistance
- Visit your local Walmart MoneyCenter for assistance with your Walmart Credit Card.
- For the fastest service, calling on Thursday is recommended, as it tends to be the least busy day.
How Your Credit Affects Walmart Card Approval
Your credit score plays a key role in whether or not you’ll be approved for a Walmart Card. Here’s how your credit can impact the approval process:
- Credit Score: Walmart typically requires a good to excellent score, usually 640+ for the Walmart Rewards Card.
- Impact on Approval: Higher scores increase approval chances; lower scores may lead to rejection or lower credit limits.
- Credit History: A history of timely payments is favorable and considered alongside your score.
- Credit Utilization: Maintaining a utilization rate under 30% demonstrates responsible credit management and increases approval chances.
Using the Walmart Card Responsibly
Using your card responsibly is crucial to maximizing its benefits and maintaining a healthy credit score.
Here are some tips to help you manage your card wisely:
- Pay on Time: Always make your payments on time to avoid late fees and interest charges. Set up reminders or automatic payments if needed.
- Keep Balances Low: Try to pay off your balance in full each month to avoid accruing interest. If not, keep your balances as low as possible.
- Monitor Spending: Regularly check your spending through the Walmart app or online account to stay on track with your budget.
- Avoid Cash Advances: Cash advances come with high fees and interest rates. Only use your card for purchases to avoid unnecessary charges.
- Maintain a Low Credit Utilization: Aim to use less than 30% of your available credit to maintain a healthy credit score.
The Bottomline
Applying for a Walmart Card online is quick and simple, and it can offer valuable benefits such as cashback and exclusive discounts.
Ensure you meet the eligibility requirements and have the necessary documents to complete your application easily.
Don’t wait—apply for your Walmart Card today and start enjoying the rewards!
Disclaimer
Approval for the Walmart Card is subject to creditworthiness and other factors.
Please review the full terms and conditions on the official Walmart website before applying.
