Credit Card Reviews Advertiser Disclosure

Walmart® Credit Card

Approval Odds
Application Process
Customer Service
3.8 5
Write a Review

About Credit Karma

Thinking about applying? Credit Karma can estimate your Approval Odds based on your credit profile. Get your information for free and get started.
  • Credit Scores
  • Credit Reports
  • Personalized Offers

Most Helpful Positive Review

Aug 31, 2012

Helpful to 29 out of 30 people

approved for $700 limit instantly online with ck score of 650. have had a visa card with a $500 limit for about 10 months with perfect payment history and an auto loan for $5000 for 9 months with perfect payment history. not sure if i  got the discover card or not yet( i think i might have because it said something about discounts on gas for the discover only and it was in my card details) either way im content with the limit for now. ive also read that they do very well when reporting to all major creditors and i do shop there frequently. they also give tons of promotional no interest for___ months with certain purchase amounts. thats pretty cool. i know they are a little slow when it comes to processing payments online, but then again so is my other cc. i do know the interest is awful though. i got 21% apr...ouch. but i am very good at avoiding interest so it doesnt really bother me. overall if i was going to go for any retail card it would have to be this one because of the amount of time i shop here. there was also some mention of credit limits being raised quite frequently, looking forward to freeing up some of that cc utalization!

Read More

reneenay5150's review was:    

 

Most Helpful Critical Review

Jul 15, 2013

Will not increase CL
Helpful to 9 out of 10 people

I applied for this card in 2010 when my score was 526 - instantly approved for $300. Never late, never overlimit. Reduced my CL to $100 (What's that gonna buy?) and have tried to get it higher since. Applied for CLI today (CK 691), and DENIED! Called backdoor and DENIED!!! I'm not going to use this card anymore because I cannot even but groceries without going from 0% to 100%+!

Read More

bast553's review was:    

 

Reviews (116)

5 Contributions
42 People Helped

Most Helpful Positive Review

Helpful to 29 out of 30 people

approved for $700 limit instantly online with ck score of 650. have had a visa card with a $500 limit for about 10 months with perfect payment history and an auto loan for $5000 for 9 months with perfect payment history. not sure if i  got the discover card or not yet( i think i might have because it said something about discounts on gas for the discover only and it was in my card details) either way im content with the limit for now. ive also read that they do very well when reporting to all major creditors and i do shop there frequently. they also give tons of promotional no interest for___ months with certain purchase amounts. thats pretty cool. i know they are a little slow when it comes to processing payments online, but then again so is my other cc. i do know the interest is awful though. i got 21% apr...ouch. but i am very good at avoiding interest so it doesnt really bother me. overall if i was going to go for any retail card it would have to be this one because of the amount of time i shop here. there was also some mention of credit limits being raised quite frequently, looking forward to freeing up some of that cc utalization!

8 Contributions
32 People Helped

Most Helpful Negative Review

Will not increase CL

Helpful to 9 out of 10 people

I applied for this card in 2010 when my score was 526 - instantly approved for $300. Never late, never overlimit. Reduced my CL to $100 (What's that gonna buy?) and have tried to get it higher since. Applied for CLI today (CK 691), and DENIED! Called backdoor and DENIED!!! I'm not going to use this card anymore because I cannot even but groceries without going from 0% to 100%+!

Mar 17, 2015

I got a 7-10, called recon and got it!
Helpful to 1 out of 1 people

I applied online and got a 7-10. I called the  recon dept and asked why. I was greeted by a pleasant guy and asked to verify my identity using a number sent to my phone and voila! $500 credit limit. Not bad with my history of Debt settlement and lots of collections. on my way to building a better credit.

Read More

docRyanMD's review was:    

 
Write A Reply |

Mar 10, 2015

Synchrony Bank doesn't protect customers

I used the Walmart Credit Card for 2-3 years without any issues. Unfortunately, my first large purchase (over $1k) was made with a service provider that did not deliver on its promises. I disputed the charge with Synchrony Bank and after 3-4 months of going back and forth with an assigned case worker, she stopped responding to my calls. Now, I sit on hold for over 25-30 minutes with their main telephone line before becoming frustrated and giving up. Synchrony Bank does not protect its customers. I will be paying my final bill, closing the account and taking my business elsewhere.

Read More
  Write A Reply |

Mar 09, 2015

Cash back at register!? One of the best cards I have.
Helpful to 3 out of 3 people

I got approved for this card with a credit score of 585. I received a $500 limit. This card is great if you are a regular walmart shopper. One of the best perks is that you can get cash back (up to $100) at the register no PIN number needed, of course this is a tempting feature to have, and can cause you to reach your credit limit very quickly. Last but not least, this card can be used at Walmart gas stations, and you receive an additional 5 cents off a gallon. I love this card. 

Read More

lasean28's review was:    

 
View 2 Replies Write A Reply |

Mar 25, 2015

Hi! The Walmart store credit card allowed me to get cash back register. No PIN number needed. 😃

lasean28's reply was:    

 

Mar 15, 2015

Hi - Do you get cash back with the regular credit card, or the walmart discover/mastercard?

ladychelly's reply was:    

 

Mar 04, 2015

Walmart helped me rebuild
Helpful to 1 out of 3 people

I applied for this card in July 2014 and was denied. I applied again in November and was approved for $600. Prior to this I had a secured card from capital one of $200. I used just under $500 at Christmas time and immediately began paying it off quickly in January. I got my balance down to $100 and charged another $100. The next day I went to make a payment and noticed that I had a $100 line increase. I immediately requested a line increase and was denied. I signed on a few days later and my credit limit was increased to $1200.  Synchrony reported to my credit bureaus within days giving me a 27 point increase with Equifax. From that point I was able to get shopping cart trick approvals with other credit cards and in December I was able to get approved for a Quicksilver one. My credit scores currently range from the mid to upper 600’s across the board. I would recommend this card to anyone that has learned their lesson and is now trying to start fresh.

Read More

misswood24's review was:    

 
Write A Reply |

Mar 02, 2015

Best credit card ever!!
Helpful to 2 out of 2 people

I love this c.c., not only well they approve you, they also increase the amount frequently

Read More
  Write A Reply |

Feb 04, 2015

Easy process, my first credit card
Helpful to 3 out of 3 people

I tried applying and was denied because my credit history wasn't established and they said it was too short (less than 1yr). So I reapplied about a year later (Apr 2014) easy process (online or in-store). I was approved with a score in the mid 6s for $800. A few months later it was automatically increased to 1300. I make full payments every month and except for 2 or 3 times. My score went up 60 points from April to Sept (fico 677>739). Walmart gives u a free monthly FICO score and they tell u the two greatest factors lowering your score. Interest is figured out by the cards average monthly balance and has been between 5-10 on balance 300-500. The late fee is the same as the minimum payment (35). Overall I'm happy. Walmart had my fico score at 710 when my Trans Union score on here was 653. As of Jan 2014.

Read More

antmicrey's review was:    

 
View 1 Reply Write A Reply |

Feb 04, 2015

Also forgot to mention that customer service answers quickly and real polite when discussing charges.

antmicrey's reply was:    

 

Feb 02, 2015

Garbage
Helpful to 0 out of 1 people

1st they decreased my limit from 2200 to 1200 for no apparant reason.  Fine.  A few months later (2 years ago) I was locked out of online login to my account.  I spoke to about 100 people in India and no help at all. They tell me "you are not locked out buddy".  Now it justs asks for my account number and then says "we are having technical issues" after I input it.  Paying over the phone or at Walmart are my only options.  To pay over the phone you need 20 minutes of talking to a robot.  Since this dilemna, they have convenietly raked in 7 late payment fees.  I have 5 other CC's and do not pay late thanks to online account managment.  

Read More
  Write A Reply |

Jan 31, 2015

Walmart MasterCard usage
Helpful to 0 out of 1 people

Can you use this card everywhere? Not just Walmart or Sam's Club?

Read More

MzPepper's review was:    

 
Write A Reply |

Jan 21, 2015

Cash!
Helpful to 4 out of 5 people

I have the card  with a high limit .....I saw a TV for 600 dollars ....i had cash ..paid for it with cash ...Problem Solved welcome to debt free living.

Read More
  View 1 Reply Write A Reply |

Feb 22, 2015

Helpful to 1 out of 1 people

yes but could of done same thing with credit card and paid back balance before end of month then no interest just the minimum charge usually like $2.00 to $5.00 a month just for having card that your paying regardless if used or not
so very very smart....not unfortunately you have to have good credit in life if you ever want to own your own things like house or car unless your rich but I doubt it so..

thattennesseeguy's reply was:    

 

Jan 21, 2015

DO NOT GO FOR IT
Helpful to 0 out of 2 people

I've been using this card for 6months + now ; Customer Serivice not availble on weekends!! (Really???) and online portal for transaction tracking and statment details is highly user unfreindly.

Read More
  Write A Reply |

Add Your Review Of Walmart® Credit Card

Rate this product

Rate your application experience (Optional)

Application Process

Customer Service

What is your experience with this product?

I Have It

I Used To Have It

I Applied For It

Write your review:

Profile Image
Anonymous

Company Overview

The Wal-Mart Credit Card is offered by GE Money Bank for Wal-Mart customers. Credit card benefits may include online account management and cash promotions for approved applications. Online account access includes credit card statements, payments, request for credit limit increases, and email and phone alerts.

Established in 1962 in Rogers, Arkansas, Wal-Mart is a discount retailer that currently serves fifteen countries worldwide.Known for its motto “save money. live better”, Wal-Mart is recognized by its bright blue warehouse-like buildings and it's white logo. Products span an array of household items, automotive, food, and more. With its popularity, Wal-Mart has also been scrutinized for its business practices. Consumers are concerned about Wal-Mart’s lack of benefits for its employees, hiring practices, and the circumstances of small businesses driven out by Wal-Mart competition.

Approval Odds

Walmart® Credit Card

Search All Cards