The Walmart Credit Card gives shoppers savings and rewards, making it ideal for frequent Walmart customers.
Applying online is quick and easy, with just a few steps.
This guide covers tips on requesting the card online, from eligibility to approval.
Eligibility Requirements
You’ll need to meet a few basic eligibility requirements to apply for the Walmart Credit Card. Here’s what Walmart generally looks for in applicants:
- Age: Must be at least 18 (19 in some states).
- Residency: Must be a U.S. resident with a valid Social Security Number or Individual Taxpayer Identification Number.
- Credit Score: Typically requires a fair to good credit score (around 640 or higher).
- Income: Should have a regular source of income to demonstrate the ability to make payments.
- Contact Information: A valid email address and phone number for account setup and communication.
Types of Walmart Credit Cards
Walmart offers two main types of credit cards, each designed to reward shoppers and provide savings based on where and how they shop.
Here’s a breakdown of each card with its key features and benefits:
Walmart Rewards Card
A store-only card for frequent shoppers, usable exclusively at Walmart stores, Walmart.com, Sam’s Club, and Murphy USA gas stations.
Key Features and Benefits:
- 5% cash back on Walmart.com and Walmart app purchases
- 2% cash back on in-store Walmart purchases and purchases at Walmart and Murphy USA gas stations
- Can be used at Sam’s Club for additional savings on certain purchases
Interest Rates and Fees:
- APR for Purchases: Variable APR based on prime rate plus 19.65%
- Annual Fee: None
- Minimum Interest Charge: Minimum $1 if interest applies
- Late Payment Fee: Up to $35, depending on payment history
Capital One Walmart Rewards® Mastercard®
This versatile card is for shoppers who want rewards both inside and outside of Walmart. It is accepted wherever Mastercard is accepted.
Key Features and Benefits:
- 5% cash back on Walmart.com and Walmart app purchases
- 2% cash back on in-store Walmart purchases, at Walmart and Murphy USA gas stations, and on restaurant and travel purchases
- 1% cash back on all other purchases, providing savings across various categories
Interest Rates and Fees:
- APR for Purchases: Variable APR of 19.48% or 29.99%, based on creditworthiness
- Annual Fee: None
- Foreign Transaction Fee: None, usable internationally
- Late Payment Fee: Up to $38
Note: Rates and fees may vary, so check current terms before applying.
How to Check if You Pre-Qualify
Checking if you pre-qualify for the card can save time and help you avoid a hard credit inquiry. Here’s how to do it:
- Visit the Walmart Credit Card Application Page: Go to the official Walmart credit card page and locate the pre-qualification section.
- Enter Basic Information: Provide details like your name, address, and the last four digits of your Social Security Number.
- Review Pre-Qualification Terms: Confirm that this check won’t affect your credit score and proceed to submit.
- Receive Your Results: After submission, you’ll instantly see whether you pre-qualify, giving you an idea of your approval chances.
Steps to Request the Walmart Credit Card Online
Applying for a Walmart Credit Card online is straightforward. Follow these steps to complete your application:
- Visit the Official Website: Go to the Walmart Credit Card application page.
- Start the Application: Click the "Apply Now" button.
- Provide Personal Information: Enter your full name, address, email, and phone number.
- Enter Financial Details: Input your annual income and monthly housing payment.
- Submit Identification Information: Provide your date of birth, Social Security number, and mother's maiden name.
- Review Terms and Conditions: Carefully read the card's terms, including interest rates and fees.
- Submit Your Application: After verifying all information, submit your application.
- Await Approval Decision: You may receive an instant decision or a follow-up notification via email.
Common Application Mistakes to Avoid
Avoiding common mistakes can improve your chances of approval. Here are vital errors to avoid:
- Incorrect Personal Information: Double-check personal details for accuracy.
- Inaccurate Financial Information: To avoid delays, ensure income and financial data are correct.
- Skipping Terms and Conditions: Read terms to understand fees, rates, and responsibilities.
- Ignoring Credit Score Requirements: Check your credit first to avoid possible denial.
- Submitting Multiple Applications: Too many applications can lower your credit score.
- Invalid Contact Info: Use an up-to-date email and phone number for communication.
What to Expect After Applying
After submitting your application, you can expect a few steps as part of the review process. Here’s what typically happens next:
- Instant Decision (in Some Cases): If all information is clear, you may receive immediate approval or denial.
- Application Under Review: If your application requires additional review, Walmart may take a few days to assess it.
- Request for Additional Information: If there are questions or missing details, Walmart may contact you for clarification.
- Approval Notification: If approved, you’ll receive an email confirmation, along with details on how to activate and manage your card.
- Denial Notification: If your application is denied, Walmart will notify you and provide reasons, which can help improve future applications.
How to Track Your Application Status
Once you submit your application, you can track its status using the following methods:
- Online Application Center: Visit the Capital One Application Center and sign in with your details to check your application status.
- Customer Service: Call Capital One's customer service at 1-800-227-4825 for updates on your application.
- Email Notifications: Monitor your email for updates regarding your application status.
Regularly checking these channels will keep you informed about your application progress.
Troubleshooting Application Issues
If you encounter issues while applying for the card, you must know how to resolve them quickly.
Here are some common troubleshooting tips:
- Check for Online Errors: If you experience an error on the application page, refresh the page or try a different browser.
- Verify Your Information: Ensure all entered information is accurate, including personal and financial details.
- Clear Your Browser Cache: Clear your browser’s cache and cookies to eliminate loading issues.
- Contact Customer Support: If problems persist, contact Walmart or Capital One customer support for assistance.
- Monitor Your Email: Check your email regularly for any communication regarding your application status or additional requirements.
- Be Patient: If your application is pending, give it a few days, as reviews may take time.
Contact Information
For assistance with your Walmart Credit Card application or account, you can contact Capital One, the card issuer, using the following methods:
- Customer Service Phone Number: 1-800-227-4825
- Mailing Address: Capital One, Attn: Payment Processing, P.O. Box 71083, Charlotte, NC 28272-1083.
To Summarize
In conclusion, applying for a Walmart Credit Card online is simple and offers excellent rewards for regular shoppers.
By following the steps and avoiding common mistakes, you can improve your chances of approval.
Visit the Walmart Credit Card application page today to start maximizing your savings!
Disclaimer
This article is for informational purposes only and does not constitute financial advice.
Always consult a qualified financial advisor before making decisions about credit cards or personal finances.
