The Walmart Card comes in two versions, and you choose which one when you submit your information

Walmart offers two cards: the Walmart Credit Card, which works anywhere Mastercard is accepted, and the Walmart Store Card, which works only at Walmart and Sam's Club. Both let you start the process online in minutes. You'll need your Social Security number, a valid ID, proof of income, and a current mailing address. Approval decisions usually come within seconds to a few minutes.

The main difference is where you can use the card. The Walmart Credit Card gives you rewards on purchases everywhere — groceries, gas, restaurants — while the Store Card limits you to Walmart locations but offers higher rewards there. Both cards charge no annual fee. Your choice depends on whether you want a card for everyday spending or one focused on Walmart shopping.

Key Takeaways

  • You can start the Walmart Credit Card or Store Card process on Walmart's website or through the Walmart mobile app without leaving home.
  • The Walmart Credit Card works at any Mastercard merchant and earns rewards on all purchases; the Store Card works only at Walmart and Sam's Club but earns higher rewards there.
  • You'll need your Social Security number, a government-issued ID, recent income information, and your current address to complete the form.
  • Approval or denial typically happens within minutes, and you can use an approved card when ready through digital wallet services like Apple Pay or Google Pay.
  • If you're denied, you can reapply after six months or contact Walmart to understand why your process was not approved.

What you need before you start

Gather these documents before you open the process. You'll move faster and won't have to start over if you step away. Have your Social Security number ready — Walmart will use it to check your credit history. You'll also need a government-issued photo ID (driver's license, passport, or state ID card) to verify your identity.

Bring recent income information. This can be a recent pay stub, tax return, or bank statement showing regular deposits. Walmart wants to confirm you have income to repay what you charge. Finally, have your current mailing address. Walmart will send your physical card there, and the address must match what's on file with the credit bureaus.

How to start your process online

Go to Walmart's website or open the Walmart mobile app and look for the credit card section. You'll see options for both the Walmart Credit Card and the Walmart Store Card. Click the one you want. The process asks for your name, date of birth, Social Security number, current address, phone number, and email. Fill in each field carefully — mistakes can delay approval.

Next, you'll enter employment information: your employer's name, your job title, and annual income. Be honest about your income; Walmart verifies this information. You'll also confirm your housing status (rent, own, or other) and monthly housing payment. These details help Walmart assess your ability to pay. Review everything before you submit. Once you hit submit, the system checks your credit and makes a decision.

What happens after you submit

Most decisions come within minutes. If you're approved, you'll see a confirmation on screen and receive an email. Your card number appears in the app or online account when ready, so you can add it to Apple Pay, Google Pay, or Samsung Pay and start using it right away. Your physical card arrives by mail within 7 to 10 business days.

If you're denied, you'll get a notice explaining the reason — usually credit score, income level, or credit history. You can reapply after six months. If you want to understand the specific reason before then, call the number on your denial letter and ask Walmart to explain. Sometimes a small change in your situation (a new job, paying down debt) can change the outcome if you reapply sooner.

Using your card before it arrives in the mail

Once approved, your card number is active when ready in your Walmart account. You don't have to wait for the physical card. Add your card to your phone's digital wallet — Apple Pay, Google Pay, or Samsung Pay — and use it at any Walmart register, gas station, or online. At Walmart, you can also use your phone number or email to link your card to your account at checkout.

If you have the Walmart Credit Card, you can use it anywhere Mastercard is accepted. If you have the Store Card, it works only at Walmart and Sam's Club locations. Check your welcome email or log into your account to confirm which card you received and what your credit limit is.

Rewards and benefits that come with each card

The Walmart Credit Card earns 3% cash back on Walmart.com purchases, 2% at Walmart gas stations and Murphy USA locations, 1% at Walmart stores, and 1% on all other purchases. You can use these rewards to pay your bill or redeem them as a statement credit. There's no limit to how much cash back you can earn.

The Walmart Store Card earns 5% cash back on Walmart.com purchases, 2% at Walmart gas stations, and 1% at Walmart stores. Both cards offer no annual fee, no foreign transaction fees, and access to your credit score through your online account. Neither card charges a late fee if you're more than 60 days past due, though interest will accrue on any unpaid balance.

Managing your account after approval

Log into your Walmart account online or through the app to see your balance, make payments, and track rewards. You can set up automatic payments so your bill is paid on the same day each month. Payments are due by the date shown on your statement. If you pay the full balance by the due date, you won't be charged interest.

If you carry a balance, interest accrues at a variable rate. Check your welcome materials or account for the current APR. You can increase your credit limit by requesting a review in your account, though Walmart may do a hard credit inquiry. Keep your contact information up to date so you don't miss statements or payment reminders.

Frequently Asked Questions

Do I need good credit to get approved?

Walmart does not publish a minimum credit score requirement. People with fair, good, and excellent credit have been approved. Your income, employment history, and existing debt matter too. If you've been denied before, focus on paying down existing balances and waiting six months before reapplying.

Can I use the Walmart Credit Card at other stores?

Yes. The Walmart Credit Card is a Mastercard, so it works anywhere Mastercard is accepted — grocery stores, gas stations, restaurants, online retailers. The Walmart Store Card works only at Walmart and Sam's Club locations. Choose based on where you spend most of your money.

What's the difference between the two cards?

The Walmart Credit Card is a Mastercard you can use anywhere and earns 1% to 3% cash back depending on where you shop. The Store Card works only at Walmart and Sam's Club but earns up to 5% cash back on Walmart.com. If you shop mostly at Walmart, the Store Card offers higher rewards. If you want one card for all spending, choose the Credit Card.

How long does it take to receive my physical card?

Your physical card arrives within 7 to 10 business days. You don't have to wait — you can use your card number in your digital wallet or online account when ready after approval. If your card doesn't arrive within 10 business days, contact Walmart customer service.

What if my process was denied?

You'll receive a letter explaining why. Common reasons include low credit score, insufficient income, or too much existing debt. You can reapply after six months. In the meantime, paying down debt and building credit history can improve your chances. Call the number on your denial letter if you want to discuss your specific situation.