How to Apply For Walmart Credit Card Online

Walmart offers its customers the convenience of a Walmart Credit Card, which can be used for purchases at Walmart stores, Walmart.com, and other affiliated retailers. Applying for this card online is a straightforward process, provided you meet the eligibility criteria and follow the necessary steps. This guide will walk you through the entire application process, ensuring a smooth and successful submission.

Understanding the Walmart Credit Card

Before applying, it’s essential to understand the types of Walmart Credit Cards available and their benefits. Walmart provides two primary credit card options:

1. Walmart Rewards Card – This is a store-only card that can be used exclusively at Walmart stores, Walmart.com, Sam’s Club, and Murphy USA gas stations. It offers cashback rewards on purchases. 

2. Walmart Rewards Mastercard – This is a general-purpose credit card that can be used anywhere Mastercard is accepted. It also provides cashback rewards, with higher percentages for Walmart purchases

Both cards come with benefits such as no annual fee, cashback rewards, and special financing options on eligible Walmart purchases.

Eligibility Criteria

To apply for a Walmart Credit Card, you must meet the following requirements:

- Be at least 18 years old (or the legal age in your state). - Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). - Possess a U.S. residential address. - Have a stable income source to demonstrate repayment capability. - Maintain a fair to good credit score (typically 640 or higher).

Meeting these criteria increases your chances of approval.

Preparing for the Application

Before starting the online application, gather the following information:

- Full legal name (as it appears on government-issued ID). - Date of birth. - Contact details (phone number, email address). - Residential address (including previous addresses if you’ve moved recently). - Social Security Number (SSN) or ITIN. - Employment details (employer name, income, job position). - Monthly housing payment (rent or mortgage).

Having these details ready will streamline the application process.

Step-by-Step Guide to Applying Online

Step 1: Visit the Walmart Credit Card Website Open a web browser and navigate to the official Walmart Credit Card application page (https://www.walmart.com/cp/walmart-credit-card/9683915).

Step 2: Choose the Right Card Select either the Walmart Rewards Card (store-only) or the Walmart Rewards Mastercard (general-purpose) based on your spending habits.

Step 3: Click “Apply Now” Click the “Apply Now” button to begin the application process.

Step 4: Enter Personal Information Fill in the required fields, including: - First and last name. - Date of birth. - SSN or ITIN. - Contact information.

Ensure all details are accurate to avoid delays or rejection.

Step 5: Provide Financial Information Enter your employment status, annual income, and monthly housing payment. This helps Walmart assess your creditworthiness.

Step 6: Review and Submit Carefully review all entered information for errors. Once confirmed, submit the application.

Step 7: Wait for Approval Walmart typically provides an instant decision. If further verification is needed, you may receive a response via email or mail within 7-10 business days.

What to Do After Applying

If Approved - Activate Your Card – Follow the instructions provided in the approval email or letter. - Set Up Online Account – Register for an online account to manage payments, track rewards, and view statements. - Start Using the Card – Make purchases and earn rewards immediately.

If Denied - Review the Rejection Reason – Walmart will send a letter explaining the denial. Common reasons include low credit score, high debt-to-income ratio, or incomplete information. - Improve Creditworthiness – Pay down existing debt, correct credit report errors, or reapply after improving your financial standing.

Managing Your Walmart Credit Card

Once Approved, managing your Walmart Credit Card is simple through the online portal or mobile app. Key features include:

- Making Payments – Schedule one-time or recurring payments. - Tracking Rewards – Monitor cashback earnings and redeem them for statement credits or Walmart purchases. - Setting Alerts – Enable notifications for due dates, transactions, and balance updates.

Tips for Maximizing Walmart Credit Card Benefits

To get the most out of your Walmart Credit Card:

- Use the Card for Walmart Purchases – Earn higher cashback percentages at Walmart stores and Walmart.com. - Pay Bills on Time – Avoid late fees and interest charges by paying the full balance monthly. - Take Advantage of Special Offers – Look for exclusive discounts and financing promotions.

Common FAQs

Can I Apply Without an SSN? 

No, Walmart requires an SSN or ITIN for credit card applications.

Is There an Annual Fee? 

No, both Walmart Credit Cards have no annual fee.

How Long Does Approval Take? 

Most applicants receive an instant decision. If further review is needed, it may take 7-10 business days.

Can I Use the Card Immediately After Approval? 

Yes, if approved instantly, you’ll receive a temporary card number for online purchases. The physical card arrives in 7-10 business days.

Conclusion

Applying for a Walmart Credit Card online is a convenient way to access exclusive rewards and financing options. By following the outlined steps, ensuring eligibility, and providing accurate information, you can successfully obtain the card and start enjoying its benefits. Always manage your account responsibly to maintain good credit health and maximize rewards. With careful use, the Walmart Credit Card can be a valuable financial tool for everyday shopping.