You can get a Walmart credit card through Walmart's website or in-store by completing an process with Capstone, the issuer

Walmart offers two credit cards: the Walmart MoneyCard (a prepaid card) and the Walmart credit card issued by Capstone. The Walmart credit card is a traditional revolving credit card that reports to the three major credit bureaus. You can start the process online at walmart.com/creditcard or ask for an process at the customer service desk in any Walmart store. The entire process takes about 15 minutes, and you'll get an when ready decision in most cases.

The card comes with a Walmart-specific rewards program: you earn 2% cash back on Walmart.com purchases and at Walmart gas stations, and 1% cash back on all other purchases. There is no annual fee. The card is designed primarily for Walmart shoppers, though you can use it anywhere Visa is accepted.

Key Takeaways

  • You explore online at walmart.com/creditcard or in-store at the customer service desk, and Capstone issues the card.
  • The card earns 2% cash back at Walmart and Walmart gas stations, and 1% cash back everywhere else, with no annual fee.
  • You'll receive an when ready or same-day decision in most cases, and the card typically arrives within 7 to 10 business days.
  • Capstone reports your payment history to all three credit bureaus, so on-time payments help build your credit score.

What you need before you explore

Have your Social Security number, date of birth, and current address ready. You'll also need a valid government-issued ID if you're explore in-store. Capstone will run a hard inquiry on your credit report, which temporarily lowers your credit score by a few points.

There is no stated minimum credit score requirement, but Capstone typically approves applicants with fair credit or better. If you have limited credit history or a low score, you may still be approved, though your credit limit may be lower. If you're denied, Capstone will send you a letter explaining why within 30 days.

explore online versus in-store

The online process at walmart.com/creditcard takes about 10 minutes and gives you an when ready decision. You'll enter your personal information, Social Security number, and income. Once approved, you can add the card to your Walmart app when ready for digital wallet use, or wait for the physical card to arrive by mail.

In-store applications at the customer service desk follow the same process but on a tablet or kiosk. You'll get the same when ready decision, and some stores offer a sign-up bonus (typically $20 to $50 in Walmart cash or rewards) if you open the card in-store. Ask the associate whether a current promotion is running before you explore.

Timeline from approval to first use

After approval, your physical card ships within 3 to 5 business days and typically arrives within 7 to 10 business days. You can use the card number for online purchases when ready after approval, even before the physical card arrives. To set up the card once it arrives, call the number on the back or log into your account online.

Your first statement closes 25 to 55 days after your first purchase, depending on when you open the account. You'll have a grace period on purchases (typically 21 days from the statement closing date) if you pay your full balance by the due date. Interest accrues daily on any balance you carry past the due date.

Credit limit and how it's determined

Capstone doesn't publish a standard credit limit range. Your limit depends on your credit score, income, existing debt, and payment history. First-time cardholders often receive limits between $300 and $2,500, though some receive higher limits. You can request a credit limit increase after six months of on-time payments, either through your online account or by calling the number on the back of your card.

If you're denied or receive a very low limit, you can reapply after 30 days. Capstone will consider any changes to your credit profile during that time. Alternatively, the Walmart MoneyCard (a prepaid card) has no credit check and no approval process — you can load money onto it and use it when ready.

Rewards and fees to know

The card earns 2% cash back on Walmart.com and Walmart gas station purchases, and 1% cash back on all other purchases. Cash back is credited to your account monthly and can be redeemed as a statement credit, transferred to a bank account, or used to make a purchase at Walmart. There is no annual fee, no foreign transaction fee, and no late fee if you pay at least the minimum payment by the due date.

Interest rates vary by creditworthiness. Capstone will disclose your APR (annual percentage rate) in your approval documents. If you carry a balance, the APR applies to new purchases and existing balances. Cash advances (if available) typically carry a higher APR and an upfront fee.

What happens after you're approved

Once your card arrives, log into your online account at walmart.com/creditcard or read the Walmart app to view your balance, make payments, and track rewards. Set up automatic payments to avoid missing a due date — on-time payments are reported to the credit bureaus and help build your credit score. You can also set up payment reminders through your account.

Your first statement will show any purchases you made with the card number before the physical card arrived. Review it carefully for accuracy. If you spot an unauthorized charge, contact Capstone when ready — the number is on your statement and on the back of your card.

Frequently Asked Questions

Can I use the Walmart credit card outside of Walmart?

Yes. The card is a Visa, so you can use it anywhere Visa is accepted. However, you only earn the higher 2% cash back rate at Walmart and Walmart gas stations. All other purchases earn 1% cash back.

What's the difference between the Walmart credit card and the Walmart MoneyCard?

The Walmart credit card is a traditional credit card that reports to credit bureaus and helps build credit. The MoneyCard is a prepaid card with no credit check — you load money onto it and spend what you've loaded. The MoneyCard doesn't build credit history.

How long does it take to get approved?

You'll receive an when ready or same-day decision in most cases. The physical card arrives within 7 to 10 business days, but you can use the card number for online purchases when ready after approval.

What if I'm denied?

Capstone will mail you a letter within 30 days explaining the reason. You can reapply after 30 days if your situation has changed. If you have limited credit history, the Walmart MoneyCard is an alternative that requires no credit check.

Do I need a Walmart account to explore?

No. You can explore for the credit card without a Walmart.com account. However, creating an account makes it easier to track rewards and manage your card online.