Walmart Credit Card Review [Apply, Login, Limit]

Walmart Credit Card Review [Apply, Login, Limit]

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There are many players in the credit market. You can browse the internet and find credit options more than you can handle. That’s why honest reviews are worth reading. Because reviews tell us good things and bad things. In other words, reviews equip us with details for the decision. Today, you are going to read about Walmart Credit Cards. These cards are not new players. But definitely worth inquiring about in detail. This article will tell you all about the Walmart Credit program. So keep reading to find out more.

Walmart credit cards Services

There are two credit cards present. And these are:

  • Walmart Master Card
  • Walmart Credit Card

Walmart Master Card

It is a branded card from Walmart. You can get it by applying. For all cardholders, the benefits are given below.

  • 3% cashback on all Walmart.com and stores. You get this cashback on all purchases.
  • 2% cashback on Murphy’s USA and Walmart Gas stations.
  • 1% cashback on all places accepting Master Card.
  • Zero annual fees. You have to pay 0$ for owning the card.
  • Variable APR. The general rates are from 18.90% to 24.90%.
  • Late fee penalties are up to $38.
  • Your card is accepted at all places with Master Card.

Walmart Credit Card

This card is a branded card from Walmart. You can get it by applying. Following are the details of the benefits.

  • 3% cashback on all Walmart.com purchases. You will get cashback on every purchase.
  • 2% cashback on Murphy’s USA and Walmart Gas stations.
  • 1% cashback on Walmart stores, Walmart supercenters, Neighborhood Market, and Sam’s club.
  • Zero annual fees. You have to pay nothing for owning the card.
  • The APR is variable. Generally, it is 24.90%.
  • The late fee penalties are up to 38$.

Walmart credit card vs Walmart Mastercard

Walmart credit card vs Walmart Mastercard

Walmart Master Card and Walmart Credit card are both similar cards, but there is a slight difference. And which is mentioned below.

  • Walmart Master Card is accepted at all places with Master Card. But Walmart Credit Card is accepted at only Walmart’s network of franchises.
  • Walmart Master Card can bring you the cash advances. But Walmart Credit card cannot get you cash advance.
  • Walmart Master Card can be used on ATMs. But Walmart Credit card is used only in Walmart stores and network franchises.

Additional features

Additional features of Walmart Master Card and Walmart Credit card are mentioned below.

  • There is no annual or monthly fee for using the cards.
  • You can check your credit score online. You have to apply online at FICO.
  • You are provided with electronic statements.
  • There is no charge for checking the electronic statements. Other companies charge up to $20 for electronic statements and credit scores.
  • You have fraud protection.
  • You can access special financing for 6 to 12 months.

Fees and drawbacks of Walmart cards

Walmart cards fees

The fees and drawbacks are mentioned below.

Wallmart Credit/master Card Fee

  • You have pay variable free for Walmart Master Card. The fees range from 18.90% to 24.90%.
  • You have to pay 24.90% fee on Walmart Credit card.
  • You have to pay a variable fee on cash advance, which ranges from 21.90% to 27.90%.
  • There is a 3% transaction fee on all cash advances.
  • If Master Card is used on foreign soil, then foreign transaction fee will be 3%.
  • The late fee is variable and ranges from $27 to $38.

Drawbacks of Walmart credit Card

  • You only get limited rewards. If you are a frequent online shopper, then you lose many credit points and cashback.
  • If your credit history is not strong enough, then you cannot win cashback outside the network of Walmart.
  • The late fees are higher than other retail credit cards.
  • The APR is higher than other retail credit cards. You have to pay heavy fees for a cash advance.
  • You are given a low credit limit initially.

Walmart Credit Card application online

Walmart Credit Card application online

If you want to get a Walmart Credit Card, then you need to apply online. The steps are given below.

  • Open your laptop, computer, or tablet.
  • Connect to the internet.
  • Then open your web browser.
  • Then type google.com.
  • Then you need to search for the Walmart Credit Card.
  • The search box will give you the link.
  • At the homepage, there will be an option for apply.
  • Click the apply option.
  • You will be directed to a form.
  • The form will ask your first name, last name, email address, and password.
  • So you must enter the details correctly.
  • Then you need to submit the form.
  • The site will send you an email for confirmation.
  • So you must confirm your account through your inbox.
  • After that, log in to the site and open the dashboard.
  • At the dashboard, there will be an option for the Credit card.
  • You must click the option.
  • The site will ask you about your address.
  • So you must enter the address correctly.
  • Your card will be approved in an instant.
  • And you will get the card in 7 to 10 business days.

Walmart Credit Card login

Walmart Credit Card login

The login details are given below.

  • Open your laptop, computer, or tablet.
  • Connect to the internet. Your connection must be stable, reliable, and fast. Otherwise, the site will load slowly.
  • Then you need to type synchronycredit.com.
  • A homepage will show on the screen.
  • Then you must click the sign-in button at the top right corner of the homepage.
  • A box will open on the new page.
  • Then you must enter your email address in the username box.
  • After that, you must enter the password in the password box.
  • Then you can choose to stay sign-in.
  • After that, you must submit the details.
  • A dashboard will open in the window.
  • Now, you can use your account.

Walmart Credit Card payment

If you want to pay the bill, then follow the steps.

  • Open your laptop, computer, or tablet.
  • Connect to the internet.
  • Open the web browser.
  • Then you must enable JavaScript. Otherwise, some applications might not work correctly.
  • Then go to synchronycredit.com.
  • A homepage will greet you.
  • Then you must click the sign-in button.
  • A box will open in your window.
  • Then you must enter the username and password.
  • So you must type the username and password.
  • After that, submit the details.
  • A dashboard will open in the window.
  • There will be an option for bill pay in the dashboard.
  • Click that option.
  • The site will ask you the card number.
  • So you must enter the card number correctly.
  • Then you must choose a payment method.
  • You will have the option of more than five payment methods.
  • So choose your method and enter the details.
  • After that, enter the PIN.
  • And submit the PIN.
  • Your bill will be paid in an instant.
  • Now, you have successfully paid your bill.

Walmart Credit Card Customer Service

If you have a problem or issue, then the helpdesk is here for support. You can call the toll free number 1-877-294.

The help desk is available 24 hours a day and 7 days a week.

Walmart Credit Card limit

The limit is variable for customers. And the limit depends upon the credit score. The eligibility criteria is a score of 620+.

You will know your credit limit after the approval. You can also raise your limit by maintaining a good credit score, which can only be possible with timely payments. You just need to be punctual with the payment cycle.

Walmart Credit Card Payment Address

The company accepts payments through the mail. You can mail the payment check at the address Walmart/SYNCB, PO Box 530927 Atlanta GA 30353-0927.

Walmart Credit Card status

You can check the status of your credit card application by a phone call. You must follow the steps.

  • Pick up the phone.
  • And dial 1-877-969-3668.
  • Then you need to press 1 for English.
  • Then you need to press 1 for application status.
  • Then you must enter your application number.
  • The operator will tell you the status.

Walmart Credit Card balance

You can check your credit card balance by following the steps.

  • Pick up the phone.
  • And dial 1-877-969-3668.
  • Then press 1 for English.
  • Then choose the number for a talk to a representative.
  • Tell your card number to the operator.
  • And the operator will tell you the balance.
  • There is no online way to check the balance.

Walmart Credit Card phone number

The company provides support for the customer. The phone number of the office is 1-877-294-7880.

Walmart Credit Card APR

The APR of Walmart Card is 22.90%. This APR is slightly higher than average credit cards. But the potential for purchase is greater in the Walmart Card. The billing cycle is monthly. If you are unable to pay the bill in a month, then it will give you a bad credit score. Moreover, you have to pay the fine for late payment.

Does Walmart Credit Card give instant approval?

The approval of the Walmart card depends upon the credit score and credit history. If you have maintained a good score in your current lines of credit, then it will help you get instant approval.

Any case of bankruptcy or bad credit score in one of your credit lines will halt your application. You have to provide a clean record for the company.

The company approves the card instantly for those people who have a FICO credit score above 1000. If you fall below 620 then you will have to wait for a while. The waiting period can be a week, month, or three months.

So get your credit lines under a good payment cycle. And you must get out of debt. The debt always causes a hurdle in approval. A person with a lot of debt may not even get a card from Walmart. So keep all things in mind for instant approval.

Wrapping up

If you are keen on getting a card from Walmart, then apply for both cards. The criteria for Master Card is stiff, but if you do not qualify for Master Card, then you will qualify for Walmart Credit card. But keep one thing in mind that these cards have limited use and you may find them useless outside the network of Walmart. So weigh the pros and cons, and then decide the best for you.

Frequently Asked Questions

Q1: Is it easy to get approved for Walmart’s credit card?

Ans: Yes, it is quite easy to get a Walmart card.

Q2: Is Walmart credit card is good?

Ans: Yes, it is good for purchases at Walmart network. Outside the network, it becomes useless.

Q3: How can I cancel my Walmart Card?

Ans: Call the customer service of Walmart and ask them to deactivate your credit card.

Q4: What is APR?

Ans; It is the fee you pay on your credit.

Q5: How much is APR on Walmart Master Card?

Ans: The APR on Walmart Master Card is variable. It ranges from 18.90% to 24.90%.

Q6: What is the late fee?

Ans: The late fee is the fine on late clearance of credit bills. Walmart charges $38 on the late submission of bills.

Q7: What is the credit score?

Ans: The credit score is the rating of your credit card. You get a high credit score when you pay bills on time. Your credit score becomes negative when you pay the bills late.

Q8: What is the benefit of a good credit score?

Ans: If you have a good credit score, then you can win cash back, and your credit limit is increased after a period of time.

Q9: How can I maintain a good credit score?

Ans: You can maintain a good credit score with the timely payment of bills.

Q10: What are the fees on a cash advance?

Ans: You have to pay 24.90% on all cash advances.

Q11: What is the annual fee for Walmart Master Card?

Ans: The annual fee for Walmart Master Card is 0$. You do not have to pay anything for owning the card.

Q12: What is a cashback?

Ans: Cashback is the amount you win as a reward. On all Walmart purchases, you get 1% to 3% cashback.

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