No, you probably won’t be able to get the Walmart® Store Card with no credit history. This card requires a 640+ credit score. This means that you need at least fair credit for approval.
To get the Walmart® Store Card, you will need to come up with a plan to establish credit and build a solid credit profile.
How to Get the Walmart® Store Card
- Get a secured card: Meant for people with bad or no credit, secured credit cards have the same credit-building potential as unsecured cards. You just have to put down a security deposit that acts as your credit line. You can also get an unsecured credit cards for people with no credit.
- Make on-time payments: Paying on time is required if you want your score to rise.
- Plan your credit utilization: Try to use less than 30% of your available credit.
- Monitor your credit: Checking your credit score and report frequently will help you figure out how to improve and when you’re ready for a Walmart® Store Card.
- Apply for a Walmart® Store Card: Once you get your score to 640+, your chances of success will be much better.
Once you have fair credit, you may even be eligible for the Capital One Walmart Rewards® Mastercard®. It’s a co-branded store card that can be used for purchases outside of Walmart.
You should avoid applying for too many credit cards in a short amount of time, especially if you’re just starting out with credit. Multiple inquiries on your credit report will shave a few points off your credit score and stall your efforts to build good credit.
Please note: The Capital One Walmart Rewards® Mastercard® and the Walmart® Store Card may no longer be available to new applicants. Information presented on this page may no longer be accurate.
This answer was last updated on 04/05/24 and it was first published on 05/28/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
