WalletHub Rating
4.3/5
The Capital One Walmart Rewards® Mastercard® is a good credit card for people who frequently shop at Walmart, especially Walmart.com. The Walmart Card’s rewards rates range from 1% to 5% back, depending on the type of purchase made. Cardholders earn 5% back on Walmart purchases made online or through the Walmart mobile app, even those later picked up at a Walmart store location. Normally, in-store purchases get you just 2% back – same as purchases made at Walmart and Murphy USA gas stations. But, new cardholders can get 5% back on in-store purchases for the first 12 months by paying with Walmart Pay.
WalletHub Rating Breakdown
User Reviews
3.3/5
1,282 reviewsRead and write reviews
Editor’s Review
4.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
5.0
Other Features
4.5
4.3/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Walmart Credit Card Annual Fee
$0
Walmart Credit Card APR on Purchases
19.48% or 29.99% (Variable)
Walmart Credit Card Balance Transfer
APR: 19.48% or 29.99% (Variable)
Balance Transfer Fee
Walmart Credit Card Rewards
Earn 5% cash back on Walmart.com purchases, including pickup and delivery
Earn 2% cash back on purchases in Walmart® stores, Murphy USA and Walmart® fuel stations, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
Introductory offer: Earn 5% cash back on purchases in Walmart® stores for the first 12 months when you use your card with Walmart Pay
Redeem rewards for cash back, statement credits, purchases on Walmart.com, travel and gift cards
Walmart Credit Card's Additional Info
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
$0 annual fee
Fraud Coverage - $0 Fraud Liability for unauthorized charges
No foreign transaction fees
| cash advance fee | 3% (min $3) |
| cash advance APR | 29.99% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-PIN |
| max late fee | $8 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
September 12th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Walmart Credit Card Pros & Cons
Up to 5% back on Walmart purchases
No annual fee
No foreign transaction fee
No promotional financing offers
Above-average regular APR
Walmart Credit Card Review
4.5 / 5
The Capital One Walmart Rewards® Mastercard® is a good credit card for people who frequently shop at Walmart, especially Walmart.com. The Walmart Card’s rewards rates range from 1% to 5% back, depending on the type of purchase made. Cardholders earn 5% back on Walmart purchases made online or through the Walmart mobile app, even those later picked up at a Walmart store location. Normally, in-store purchases get you just 2% back – same as purchases made at Walmart and Murphy USA gas stations. But, new cardholders can get 5% back on in-store purchases for the first 12 months by paying with Walmart Pay.
There are other reasonsother than Walmart rewardsto consider the Walmart Credit Card, too. The card also gives 2% back on travel and dining at restaurants, along with 1% back on all other purchases. The card does not charge an annual fee, either.
Walmart Credit Card Review Highlights
$0 annual fee
Credit cards tied to major retailers typically have noannual fees, so this isn’t unique. But it still saves cardholders nearly $22.22 per year compared to the average credit card overall.
Walmart Pay bonus
New cardholders who link their Walmart credit card account to Walmart Pay can earn 5% back on in-store purchases for the first 12 months by using Walmart Pay at checkout.
Better rewards online
Cardholders earn 5% back on purchases made on Walmart.com or through the Walmart mobile app. That rate applies to purchases you have delivered to your home as well as those you pick up at a Walmart location. However, in-store purchases made with the Walmart Rewards Card for some reason only merit 2% back – at least after the first-year promotion ends.
Gas rewards are good, but stations are limited
The Walmart Credit Card gives you 2% back on gas purchases, which isn’t too shabby. But that rate only applies when you fill up at Murphy USA or Walmart gas stations. And some states don’t have any locations.
New rewards for restaurants and travel
The Walmart Credit Card now gives 2% back on travel expenses and dining at restaurants. That makes the Walmart card competitive with some of the best rewards credit cards around – at least in terms of ongoing rewards in those two categories.
Fair credit recommended for non-Walmart purchases
The Walmart Mastercard requires fair or better credit for approval. If you have lower credit, you’re more likely to be eligible for the Walmart Store Card, which can only be used at Walmart, Walmart.com, and Murphy USA/Walmart gas stations.
Several ways to redeem rewards
Walmart Credit Card users can pay for Walmart purchases with rewards at the register. Cardholders can also redeem their rewards for account credits, gift cards, airfare, hotel stays or rental car reservations.
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Compare The Walmart Credit Card vs. Popular Alternatives
 Capital One Walmart Rewards® Mastercard® |  Costco Anywhere Visa® Card by Citi |  Discover it® Cash Back |
|---|---|---|
4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.3 Market Comparison 4.3 fees: 5.0 rewards: 0.0 cost: 5.0 Other Features: 4.5 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 | 3.9WalletHub Rating WalletHub Rating 3.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.9 User Reviews 3.8 Market Comparison 3.9 fees: 5.0 rewards: 3.3 cost: 3.7 APR: 3.9 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro apr0% for 15 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)* |
Regular APR19.48% or 29.99% (Variable) | Regular APR20.49% (V) | Regular APR18.24% - 28.24% Variable |
Sponsored Apply Now | Sponsored Apply Now |
Walmart Credit Card FAQ
Can't find what you are looking for? Submit your question about Capital One Walmart Rewards® Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
18
Upvotes
How can I log in to my Capital One Walmart Rewards Mastercard account online?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
To log in to your Walmart Credit Card account, go to the login page on the Capital One website or mobile app and enter your username and password in the appropriate fields. This is how you can log in to your Walmart® Store Card online account, too.
If you don't already have an account, you will need to start by clicking “Set Up Online Access” in order to set up a username and password.
How to Log in to a Walmart Credit Card Account
- Register your Walmart Credit Card for online account access. Click “Set Up Online Access” and enter your name, date of birth, and Social Security number or account number to verify your credit card account.
- Choose your Walmart Credit Card username and password. The password must contain between 8 and 32 characters, have at least one letter and one number, and be different from the username. The password is case sensitive and may contain special characters.
- Log in with your new Walmart Credit Card credentials. From the login page on the Capital One website or its mobile app for IOS or Android, fill out the Username and Password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you'll be able to manage your Walmart Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot Username or Password?” on the Capital One login page. Then, follow the prompts to reset or retrieve your username or password.
Please note: The Capital One Walmart Rewards® Mastercard® may no longer be available to new applicants. Information presented on this page may no longer be accurate.
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View more answers
20
Upvotes
How can I pay my Walmart Credit Card bill?
Reply
20
3
Chip Lupo, Credit Card Writer
@CLoop
You can make Capital One Walmart Rewards® Mastercard®* payment online, by phone, through the Capital One mobile app, by mail or at a branch. To pay Walmart Credit Card* bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital One does allow cardholders to set up automatic payments, too.
Ways to Make Walmart Credit Card* Payment
- Online:...
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7
Upvotes
What are my Walmart credit card approval odds?
Reply
7
1
Chip Lupo, Credit Card Writer
@CLoop
Your Walmart Credit Card* approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Walmart Credit Card* will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and an SSN.
What You Need for Good Walmart Credit Card* Approval Odds
- 640+ credit score
- Enough income to pay credit card...
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29
Upvotes
What is the Walmart Credit Card phone number for customer service?
Reply
29
3
Susan Tate
@susan_tat
The Walmart Credit Card phone number for customer service is (877) 294-7880. To reach a live representative, press “0” and say “customer service” when asked for the reason for your call. Representatives are available 24 hours a day, seven days a week. You can use the same phone number for the Walmart® Store Card, too.
Another way to contact customer service is by texting Eno. To do so, open the issuer's mobile app and tap the Eno icon. You can...
show more
9
6
Upvotes
How do I apply for the Capital One Walmart Rewards Mastercard?
Reply
6
2
Adam McCann, Financial Writer
@adam_mcan
You cannot apply for the Capital One Walmart Rewards® Mastercard®* right now, because applications for the card are no longer open at this point in time. The Walmart Credit Card* has been unavailable to new applicants since May-24. However, there are other cards available from Capital One that you can apply for online, by phone or in person.
Similar Cards to the Walmart Credit Card* You Can Apply For
- Costco Anywhere Visa® Card by Citi
- Target Credit Card
- Amazon Credit Card
For more options, you...
show more
1
8
Upvotes
How do I activate my Walmart credit card?
Reply
8
3
WalletHub
@WalletHub
You can activate your Walmart Credit Card either online or over the phone, by calling the number on the back of the card. Calling is probably the better option if you're in a hurry because activating your card online requires creating an account first. But both methods aren't too hard to do and don't take all that much time. The same methods apply to the Walmart® Store Card, too.
Keep in mind that you don't have to activate...
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3
View more answers
11
Upvotes
Is there a Walmart credit card app?
Reply
11
2
Fay Curtz
@Fay_Curtz
Yes, there is a Walmart Credit Card app. The Walmart Credit Card is a Capital One card, so you can use the Capital One mobile app for iOS and Android to access your account. You can use the same app for the Walmart® Store Card, too.
Here's what you can do with the Walmart Credit Card app:
- View your credit card balance
- Pay your bills
- Check in on your credit with CreditWise
- Activate your credit card
- Redeem rewards...
show more
5
Upvotes
What happened to the Walmart Discover card?
Reply
5
Audrey Borger
@audreyborger78
The Walmart Discover Credit Card was discontinued in the summer of 2014. This card was replaced by the Capital One Walmart Rewards® Mastercard®, along with a store version, the Walmart® Store Card. The Discover Deals shopping portal, which used to have special Walmart discounts, also closed down in October 2018.
Here's how you can use your Discover card at Walmart:
Discover credit cards are accepted as a payment method at Walmart. However, the fact that all Discover cards are...
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3
6
Upvotes
How do you check your Walmart Credit Card application status?
Reply
6
1
Mary Lanes
@marylanes_1
You can check your Walmart Credit Card application status either online or by calling customer service at (800) 903-9177. This is also how to check the status of your Walmart® Store Card, which can only be used at Walmart and affiliated locations.
It's also possible to be instantly approved for either card. But if that's not the case for you, you'll have to either call or just wait to receive a decision by email.
How to check your Walmart Credit Card...
show more
2
View more answers
19
Upvotes
How can I get a Capital One Walmart Rewards Mastercard cash advance?
Reply
19
5
Clark Newton, WalletHub Credit Card Advisor
@aprwizard9
You can get a Walmart Credit Card cash advance from any ATM that accepts cards on the Mastercard network. To do so, insert the card in the ATM, then enter your PIN and choose the cash advance option. After that, input the amount, and collect the cash and your card. You can also get a cash advance at any bank, but make sure to bring a government issued photo ID with you.
Note that you can't...
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1
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Related Credit Card Categories
Capital One Walmart Rewards® Mastercard® is related to the following categories:
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Walmart Credit Card Reviews
Share your insights and review for the Capital One Walmart Rewards® Mastercard®
5
33%
4
21%
3
17%
2
12%
1
18%
3.3
1,282 reviews
1,282 reviews
What's Your Rating?
Most Recent
Shawna Tacy
@863TACY
1 Star Rating
I am writing to express my extreme dissatisfaction with the unclear and misleading information regarding fees and interest charges on this type of account, and hope to inform others.
In 2023, I utilized a cash advance feature and was charged a separate interest rate for this transaction in addition to the standard APR applied to other purchases. I was explicitly informed by a customer service representative that paying my entire account balance would eliminate the cash advance interest charges. Subsequently, I obtained a loan to settle the nearly $3,000 balance in full, resulting in a zero balance.
Despite having no outstanding balance or additional cash advances since then, I have been charged cash advance interest fees in June and this month. When I contacted customer service this week, I was told that because I paid the balance before the statement closing date and made a subsequent small purchase, a balance existed, necessitating continued cash advance interest charges until the entire balance is paid off again.
This cyclical situation is unacceptable and has eroded my trust in the company. I intend to pay off the remaining balance as soon as possible and terminate my account.
Comment
Linda Voye
@kvy1998
1 Star Rating
I paid my card off in full on the 26th, and on the 27th, they charged me $32.90 for interest on a $0 balance. They try anything they can to cheat people out of their money.
Comment
clyde emery
@ckeemery1
Smilar experience. Customer Service states they are Not Allowed to review any complaints about Capitol One Interest Charges - CO errors - refuse to acknowledge - Probable Intentional - create Profit. Class Action Lawsuit against Capitol One - like Bank of America - 16.6 $ Billion. Sad Sad Sad.
Comment
Emma G
@GrammyP48
1 Star Rating
Unbelievably bad experience! I opened my card in February of 2011. I would only make small purchases, such as dog food, and pay it off completely each month. I never had any issues until this morning. Today, I opened the app only to see that although my payment was received, my account is restricted! Completely dumbfounded, I called and spoke with a representative, hoping to find out why there was a restriction and to request that it please be lifted. The representative immediately began reading a script and claimed that I was in violation of my contract. I tried to ask how I was in violation, but the representative just repeated the same script, never giving me a reason. At the end of the script, I was at a loss for words and requested proof of this violation. The representative said they do not provide that and if I would like to apply for a new account, I may do so, and then abruptly disconnected the call. This whole interaction was very frustrating, to say the least. The representative's behavior was unacceptable and extremely unprofessional. This one instance made the last decade of my loyalty non-existent. As a God-fearing person, I cannot state how I truly feel, but I will say that this was a horrible and truly embarrassing experience. Shame on you, Capital One.
Comment
1
chaosfritz_jf
@chaosfritz_jf
1 Star Rating
After I paid off a significant portion of my debt, they lowered my credit limit to the point where I could no longer use it. I will pay off the rest of the debt and cancel the card. They've permanently lost a customer. Their customer service is the worst; I have other cards and experience no issues with them or their service. The Walmart Rewards MasterCard, on the other hand, is terrible. I can't wait to never deal with them again. They wouldn't even work with me on this issue. I'm even considering boycotting the entire franchise. Do not get this card; save yourself the trouble.
Comment
1
val correia
@valter_correia
1 Star Rating
CUSTOMER SERVICE, BIGGEST BARRIER
Spent nearly an hour with seven different agents trying to resolve a simple issue. The language barrier is a massive obstacle, and this is something that, without question, is hurting their business and will have long-term consequences.
Comment
1
Alan Jeffrey
@ajeffreya1
1 Star Rating
What are the reasons it's so difficult to make a payment to this card? I've spent an hour, and I cannot find how to pay. This is a ridiculous situation; none of my other credit cards require such an odyssey.
Comment
tessie
@tessie
1 Star Rating
This card charged me without my authorization and would not cancel the card. The only one star is for Walmart; it used to be my store. Be careful you may receive false charges.
Comment
donaldbarker56
@donaldbarker56
1 Star Rating
The AI answering system tells you to enter your account number, and before you can enter it, it says it doesn't recognize your number, and the routine starts over. Your AI answering system needs additional training.
Comment
Koralee Phillips
@pkoralee
1 Star Rating
The credit card is good, but their communication is sorely lacking! You get rewards, but they have to be used in $5.00 increments. If you buy something for, let's say $30.00, it takes forever to make a purchase using the rewards. When I tried to do it after three $5.00 increments, it told me the balance was unknown... ridiculous! My biggest issue is getting ahold of them. I am having trouble making my payment, and I got an email from the collections department with a "limited time offer" to work with me on my bill this month. The email gave me a phone number to call and accept my offer 1-888-331-6133. So, the first thing I do (a few days ago) is call to accept. Well, the people who answer my call tell me they can't accept my offer. I have to call the collections department 1-888-553-1355. So, I instantly call the number and a recording comes on saying that the number has been disconnected (yes, I called the correct number; I've double and triple-checked). After five tries, I call the first number back. She has no idea why this is happening. She gave me the correct number. She can't transfer my call to them. I try calling from another phone. This time I connect, but then, right after the recording tells me it's transferring my call, I get a beep and the recording tells me my call didn't go through. This morning I tried to call the infamous collections department and got the recording that the number is disconnected. Now I have to go to work. It's disgusting communication, especially for it being 2024. Why does the email lie by giving me the completely wrong phone number to call to accept? What's with the game of the call never going through to the collections department? Are they going to claim I missed the deadline for the "limited time offer" after trying for three days? Why all the games, Walmart Rewards? One good thing I can say is getting ahold of someone at the 1-888-331-6133. I guess because they can't really help with anything, so they're not hard to reach.
Comment
2
1
Jennifer Fussell
@raje12raje
5 Star Rating
Love my Walmart card! It has great rewards, and everyone uses Walmart, so why not? Capital One gave me a very generous limit with a low score of 570 at the time. Now my score is in the mid-600s. Capital One gives you the second chance we all deserve. Payments post quickly; there's no waiting or worrying. It's a hassle-free card and my go-to card for everyday use for rewards. Thank you, Capital One.
Comment
1
Review Capital One Walmart Rewards® Mastercard®
Capital One Walmart Rewards® Mastercard®
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* The information about the following cards has been independently collected by WalletHub: Target Credit Card, Amazon Credit Card, Chase Freedom Flex® Credit Card, Capital One Walmart Rewards® Mastercard®, and Walmart® Store Card.
