How do I get a Walmart credit card? If you’re a frequent Walmart shopper looking for a convenient way to manage your purchases and earn rewards, obtaining a Walmart credit card could be the perfect solution. In this article, we’ll guide you through the process of getting a Walmart credit card, from eligibility requirements to the application process and benefits.
Walmart offers two types of credit cards: the Walmart Mastercard and the Walmart Credit Card. The Walmart Mastercard is a general-purpose credit card that can be used anywhere Mastercard is accepted, while the Walmart Credit Card is exclusively for Walmart purchases. Both cards offer rewards and benefits, but they have different terms and conditions. Let’s explore how to get either of these cards.
Eligibility Requirements
Before applying for a Walmart credit card, it’s essential to understand the eligibility requirements. To be eligible for a Walmart credit card, you must:
- Be at least 18 years old
- Have a valid Social Security number
- Have a good credit history
Keep in mind that Walmart may perform a credit check when you apply for a credit card, which could affect your credit score. However, Walmart does offer a “no credit check” option for those with poor credit, which may come with higher interest rates and fewer benefits.
How to Apply for a Walmart Credit Card
There are several ways to apply for a Walmart credit card:
- In-store: Visit your local Walmart store and speak with a customer service representative. They can assist you with the application process and answer any questions you may have.
- Online: Visit the Walmart website and navigate to the credit card section. Fill out the online application form and submit it for review.
- By phone: Call Walmart’s customer service number at 1-800-331-1111 and speak with a representative to begin the application process.
During the application process, you will be asked to provide personal information, including your name, address, Social Security number, and employment details. You may also be required to provide your current credit card information if you’re applying for a balance transfer.
Benefits of a Walmart Credit Card
Once you have been approved for a Walmart credit card, you can enjoy the following benefits:
- 5% cash back on Walmart purchases
- 2% cash back on fuel purchases at Walmart and Murphy USA locations
- 1% cash back on all other purchases
- Exclusive discounts and offers
- Free shipping on eligible items
Keep in mind that the cash back rewards are subject to a $25 minimum redemption requirement, and the 5% cash back rate is only available on Walmart purchases made with your Walmart credit card.
Conclusion
Getting a Walmart credit card is a straightforward process that can provide you with numerous benefits. By understanding the eligibility requirements, application process, and rewards, you can make an informed decision about whether a Walmart credit card is right for you. Whether you’re a frequent Walmart shopper or just looking for a new credit card, consider the benefits and convenience that a Walmart credit card can offer.
