Is it easy to get a Walmart card?

No, it is not hard to get a Walmart Credit Card, though it's not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval. The same applies for the Walmart® Store Card, too.

What credit score is needed for a Walmart card?

Here's what you need to know about the Walmart Credit Card credit score: Both the Walmart Credit Card and the Walmart® Store Card require fair credit for approval. That means a score of 640+. The Walmart Credit Card can be used anywhere Mastercard is accepted.

How can I get approved for Walmart credit card?

Is Walmart credit card a hard inquiry?

The Walmart Credit Card application will result in a hard inquiry. So, keep in mind that you will need at least fair credit (640+) to get the card. While the score is higher than what most store cards require, you will be able to use the card anywhere Mastercard is accepted.

How quickly can you get a Walmart credit card?

If you completed a Walmart credit card application online and are approved, you will be able to shop immediately online. You should receive your physical card in the mail in approximately 7 to 10 days. If after 10 days you have not received the card, you should call credit services at 1-800-227-4825.

Why you NEED to get the Walmart Credit Card!

What's the highest limit on Walmart credit card?

Credit limits for a Walmart credit card can range from $150 to over $5,000. Several factors go into determining your credit limit, including your annual income and credit history. Where can I use a Walmart credit card? The Capital One® Walmart Rewards™ Mastercard® can be used anywhere Mastercard is accepted.

What credit cards are easiest to get?

Secured credit cards are by far the easiest type of credit card to obtain, particularly if you have a poor or limited credit history.

Does a Walmart card build credit?

The Walmart Rewards Mastercard and its in-store credit card are issued by Capital One, and cardholders can earn rewards for shopping at Walmart. When used properly, both cards can help you build your credit history and credit score.

What bank does Walmart use?

It partners with Green Dot Bank to deliver its services, both in-store and online. (Another bank, Woodforest National Bank, operates its own branches in many Walmart stores; more on that below.) Given its primary role as a retailer, Walmart's banking services are more limited than you'll find at traditional banks.

What credit agency does Walmart pull from?

The issuer may pull from TransUnion, Equifax or Experian. Apply in-store. There are two places to fill out an application in a Walmart: at the register or at the jewelry counter. If you're approved after the issuer runs your credit, you'll receive a temporary card on the spot, which you can use in-store that day.

Can I get a Walmart credit card with a 620 credit score?

The Walmart Credit Card credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for this card.

What is the minimum credit score for credit card approval?

There is no minimum credit score needed for a credit card. Even borrowers with poor credit (a score of 300) or no credit card at all can qualify for some credit cards. However, options for bad-credit borrowers are limited and usually come with a high annual percentage rate (APR) and fees.

Can Walmart card be used for gas?

You can use your Walmart Credit Card for gas at any station. But if you have the Walmart® Store Card, you can only use it to buy gas at Walmart, Murphy USA, Sam's Club, and Walmart Neighborhood Market stations.

Can I get a Walmart card with 580 credit score?

Rates and fees. The Capital One Walmart Rewards Card is designed for consumers with fair credit or good credit (a FICO credit score of 580 to 740). Account holders will be charged a variable APR rate of 17.99 percent or 28.99 percent on new purchases and balance transfers, based on creditworthiness.

Can I get a credit card with a 500 credit score?

Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card to get with a 500 credit score is the Credit One Visa card.

What credit cards can you get with a 540 credit score?

How do I get a Walmart card?

Open an account online or pick up a starter card like this at a Walmart store. Must be 18 or older to purchase a Walmart MoneyCard. Activation requires online access and identity verification (including SSN) to open an account. Mobile or email verification and mobile app are required to access all features.

Does Walmart MoneyCard have a monthly fee?

Save more with no monthly fees

No monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.

Did Walmart credit card change to Capital One?

When Walmart cardholders look at their credit reports after the transition is complete, they can expect it to be a bit longer than before. “There will be two tradelines on the credit report — the old Synchrony account and the new Capital One account.”

Is Walmart credit card a major credit card?

Yes, the Capital One Walmart Rewards® Mastercard® is a credit card. The Walmart Credit Card is issued by Capital One, works wherever Mastercard is accepted, reports to the credit bureaus, and allows you to pay off purchases over time.

Is Walmart credit card a regular credit card?

Card Type. The Capital One Walmart Rewards Mastercard* is a co-branded cash back credit card. Unlike some retail cards, you're not limited to only purchases at Walmart. Since it's a Mastercard credit card, you can use it anywhere Mastercard is accepted — and you'll even earn bonus rewards in some non-Walmart categories ...

Can I get a credit card with a 570 credit score?

Yes, you can, but you'll need to apply for specific cards that accept applicants with low credit scores.

What's the easiest credit card to get with a low credit score?

What are the easiest cards to get if you have bad credit? Secured cards, credit-builder cards and student cards are three types of credit cards that can be easier to get with bad credit or a limited credit history.

Can I get a credit card with a score of 520?

It is 180 points away from being a “good” credit score, which many people use as a benchmark, and 120 points from being “fair.” A 520 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.

What is an easy credit card to get with a high limit?

Best High Limit Credit Cards of January 2023

Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Blue Cash Preferred® Card from American Express: Best feature: Bonus cash back at U.S. supermarkets and gas stations. Chase Sapphire Preferred® Card: Best feature: Travel rewards.