Walmart Credit Card – How To Order Online

The Walmart Credit Card is an excellent idea because it offers plenty of rewards for its customers. You get to earn cashback rewards three different ways; 3% cashback on all purchases made at Walmart, 1% cashback on purchases made anywhere else that the card is accepted and 2% cashback on all purchases made at Walmart gas locations and Murphy USA. This card is not accepted in all locations, but if you constantly shop at Walmart then this card will work great for you.

Before you fill out the application form, it is important that you read all the terms and conditions that are listed on the website. This is because the card’s rates vary according to market conditions. The interest rate is usually 23.9% which is pretty high, and the due dates are always 23 days after the billing cycle. You will be charged a fee of $38 if your payment is late.

Now, the interest may be high, but this card has plenty of benefits that most shoppers will appreciate. In this review, we will let you in on how you can apply for the card online and receive it in your mail after a few days. Let’s get started!

Walmart Credit Card - How To Order Online
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Applying For The Card Online

Card Requirements

The first step when applying for the Walmart credit card is to ensure that you meet all of the requirements which include residing in the US, being 18 years or older, and providing a mailing address and a Social Security Number.

Credit Score

When you apply for the card, the company will pull your credit report and check your score. In order to qualify, you must have a score of at least 640 and above. If you do not have this, the chances of getting instant approval are minimal. In addition, if you will need a MasterCard as well, your score must be even higher, at around 700+.

Take time to review your credit report if it is not as required and raise disputes if you notice any errors, as this would help increase your score. However, if you have achieved the required score, then errors on the report cannot disqualify you from approval. Keep your report open and if you have had a freeze placed on it, you must lift it temporarily for the bank to have complete access.

Apply Online

Apply for the card by logging into Walmart’s Credit Card site and get instant approval if you meet all the requirements. In this case, you will get a temporary card number that you can use to make purchases before the physical card arrives.

Applications, according to Walmart, are usually approved or declined instantly. If there is a delay, you will still receive an answer later on the same day.

Your application can be declined if it happens to be flagged as fraudulent or if the company requires additional time to verify the information you have provided. You should call them directly on 1 (877) 294-7880 to get help if you have waited for too long.

If you are approved, it will take about 7 to 10 working days to receive the card in the mail.

Using The Card

This is one of the best and most popular credit cards on the market today, and since Walmart is also one of the most used stores by people in the US, then this card comes in handy for anyone who applies for it. There are a wide variety of items that can earn you cashback, so you can never lose.

Highlights Of The Card

First-Year Bonus

All new customers receive 5 points for every dollar they spend on in-store purchases. This comes up to around 5% cashback when you use your card when checking out. The promotion runs for 12 months from the day you open the account.

Online Shopping

The card rewards you for purchases you make on This is perhaps one of the best ways to keep their customers from using Amazon. With this offer, you will also get 5% cashback on all of these purchases. Now, while in-store purchases will earn you 2% online earns you 5% which means you should consider using this purchase mode at all times.

Walmart Credit Card - How To Order Online
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Since we must always buy groceries, gas, and other essential products, having a card that earns you money is always better than having one that doesn’t. The application process is simple and straightforward. Therefore, you should consider having one if you don’t already.