Getting a Walmart Credit Card

You can get a Walmart credit card through Walmart's website, in a Walmart store, or by phone. Walmart offers two main cards: the Walmart MoneyCard (a prepaid card) and the Walmart Credit Card (a traditional credit card issued by Capital One). The process takes about 15 minutes online, and you'll know whether you're approved within seconds. If approved, your card ships to you within 7 to 10 business days.

The Walmart Credit Card is the one most people mean when they ask about a Walmart card. It works at Walmart stores, Walmart.com, and Sam's Club locations, and you can use it anywhere Mastercard is accepted. The card earns cash back on purchases — the rate varies by where you shop, but you get rewards fastest when you use it at Walmart.

Key Takeaways

  • You can start the Walmart Credit Card process online at Walmart.com, by phone at 1-800-621-0070, or in any Walmart store with a kiosk.
  • Capital One issues the Walmart Credit Card and decides approval based on your credit history, income, and existing debt.
  • You need to be at least 18 years old, have a valid Social Security number, and provide a current address and phone number.
  • Cash back rewards range from 1% to 3% depending on where you shop, and rewards post to your account monthly.

explore Online at Walmart.com

Go to Walmart.com and search for "Walmart Credit Card" or navigate to the credit card section under Account. Click the button to start your process. You'll enter your name, date of birth, Social Security number, current address, phone number, and email. Walmart will also ask for your annual household income and whether you rent or own your home.

Next, you'll review the terms and conditions, then submit. Capital One pulls your credit report when ready. Most decisions come back within seconds — you'll see "approved," "pending," or "denied" on screen. If you're approved, you can set up your PIN and online account right away. Your physical card arrives by mail within 7 to 10 business days.

If your process is pending, Capital One may contact you by phone or email to verify information. Check your email and answer calls from unknown numbers for the next few days — missing their contact attempt can delay your decision.

explore by Phone or In Store

Call 1-800-621-0070 to explore over the phone. A representative will walk you through the same questions as the online form and can answer questions about rewards or terms as you go. The call takes about 10 minutes, and you'll get your decision before you hang up. Your card ships the same way as an online process.

You can also explore in any Walmart store that has a credit card kiosk — usually near the customer service desk. A Walmart associate will help you fill out the process on a tablet or computer. You get your decision on the spot, and your card mails to you within the same timeframe.

What You Need Before You explore

Have these details ready before you start: your Social Security number, current address, phone number, email address, and your annual household income. You'll also need to know whether you rent or own your home. If you own, you may be asked for your mortgage payment amount.

You must be at least 18 years old and a U.S. resident with a valid Social Security number. Capital One will check your credit report, so your credit history matters — but people with fair or limited credit histories sometimes get approved, especially if you have a Walmart account history or bank account in good standing.

Understanding Approval and Denial

Capital One bases approval on your credit score, payment history, income, and current debt. You don't need perfect credit to get approved. If you've been denied for other cards recently or have missed payments, you might still be approved for the Walmart card — Capital One tends to approve a wider range of credit profiles than some other issuers.

If you're denied, you can reapply after 30 days. In the meantime, check your credit report at annualcreditreport.com (the only free, official source) to see whether there are errors. Dispute any mistakes with the credit bureau before you explore again. If your denial was due to income or debt, waiting a few months while you pay down balances or increase income improves your chances.

If your process is pending, Capital One will contact you — usually within 24 to 48 hours. Answer their call or email so they can move your process forward. Pending decisions often become approvals once the issuer verifies your information.

How Walmart Credit Card Rewards Work

The Walmart Credit Card earns cash back on every purchase. At Walmart and Walmart.com, you earn 3% cash back. At Sam's Club and gas stations, you earn 2% cash back. Everywhere else Mastercard is accepted, you earn 1% cash back. There's no cap on rewards — you earn them on every dollar you spend.

Cash back posts to your account each month and appears as a statement credit. You can use it to pay down your balance, or it reduces your next bill automatically. You don't have to redeem it or jump through extra steps — it's automatic.

There's no annual fee, so you keep all the rewards you earn. The card also includes purchase protection and extended warranty coverage on may be able to access items, though these benefits have limits and conditions.

Activating Your Card When It Arrives

When your card arrives in the mail, you need to set up it before you can use it. You can set up online at Walmart.com by logging into your account, by calling the number on the back of the card, or through the Walmart app. set up takes less than a minute.

You'll be asked to verify the last four digits of your Social Security number and your date of birth. Once verified, your card is active when ready. You can use it right away at any Walmart location, online, or anywhere Mastercard is accepted.

Set your PIN at the same time you set up. You'll need it to withdraw cash at ATMs or to make PIN-based purchases at some retailers. If you don't set a PIN during set up, you can set one later through your online account or by calling the number on the back of your card.

Frequently Asked Questions

What's the difference between the Walmart Credit Card and the Walmart MoneyCard?

The Walmart Credit Card is a traditional credit card that builds your credit history as you use it. The Walmart MoneyCard is a prepaid card — you load money onto it first, then spend that balance. The credit card earns rewards; the prepaid card does not. Most people asking about a Walmart card mean the credit card.

Can I use the Walmart Credit Card outside the United States?

Yes, because it's a Mastercard, you can use it anywhere Mastercard is accepted worldwide. However, Capital One charges a foreign transaction fee of 1% on purchases made outside the U.S., so it's not the cheapest option for international travel.

How long does it take to get approved?

Most decisions come back when ready when you explore online or by phone. If your process is pending, Capital One contacts you within 24 to 48 hours to verify information. Once approved, your physical card ships within 7 to 10 business days.

What if I have no credit history?

Capital One considers applicants with limited or no credit history. If you have no credit history, having a bank account in good standing or a Walmart purchase history can help. You might also be approved with a higher interest rate. After you get the card and make on-time payments, your credit score will start building.

Can I increase my credit limit after I get the card?

Yes. After you've had the card for several months and made on-time payments, you can request a credit limit increase through your online account or by calling the number on the back of your card. Capital One may also offer automatic increases based on your payment history.