No, it's not hard to get a Walmart Credit Card. You only need fair credit to qualify for a Walmart Credit Card, so you should have a good chance of getting approved as long as your credit score is 640 or higher, you have a steady income, and you're both a U.S. resident and 18+ years old. The same applies for the Walmart® Store Card, too.
Just note that the Walmart® Store Card can only be used at Walmart, while the Walmart Credit Card can be used anywhere Mastercard is accepted.
Key Things to Know About the Walmart Credit Card Approval Process:
- Approval Requirements: Both cards accept applicants with fair credit, so a score of 640 or higher is required. Requirements also include being a U.S. resident and at least 18 years of age to get either card. You’ll also want to have a steady income, although the issuer doesn’t release specific income requirements. As with most credit cards, the higher your income and the lower your existing debt, the better your chances will be for approval.
- How to get a Walmart Credit Card: The application process is simple and can be completedonlineor in store. Regardless of where you fill it out, the application is the same. It asks for your name and address, phone number, Social Security Number, and your annual net income.
- How to find out if you’ve been approved:You can check the status of your Walmart Credit Card application at any time by calling Walmart Credit Services. If your application is approved, you will receive your new card in the mail in 7-10 business days.
If you don’t get approved for a Walmart Credit Card, don’t worry. There are plenty of other credit cards for people withfair,limitedand evenbad credit. If you’re trying to build or rebuild your credit,secured cardsare an excellent option. That’s because they’re easier to get approved for thanks to the required security deposit.
Regardless of what card you decide on, be sure to make all of your payments on time and use your credit card responsibly. That way, your credit score will go up and you’ll have better chances of being approved for the top credit cards you want.
This answer was first published on 05/28/21 and it was last updated on 03/20/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
No, it's not hard to get a Walmart Credit Card. You only need fair credit to qualify for a Walmart Credit Card, so you should have a good chance of getting approved as long as your credit score is 640 or higher, you have a steady income, and you're both a U.S. resident and 18+ years old.
What credit score is needed for a Walmart card? ›
You need a credit score of 640 or higher to get a Walmart credit card. This means you are eligible if you have fair credit or better, but factors such as your income, existing debt load, recent credit inquiries, employment status, and housing status will also impact your chances.
What is the starting limit for Walmart credit card? ›
The minimum credit limit of the Walmart Credit Card is $300 upon approval, according to the Capital One website. The actual amount will be determined by the issuer after a review of your application and ability to pay. This answer was first published on 02/29/24.
Does Walmart credit card do a hard pull? ›
The preapproval process is a “soft” credit check and won't have any impact on your credit whether you're preapproved or not. If you are preapproved and go ahead with your application, there will be a hard credit pull, however.
Which store credit card is easiest to get? ›
Here's a Summary of the Best Instant Approval Store Credit Cards
- Prime Visa.
- Capital One® Walmart Rewards® Card *
- Costco Anywhere Visa® Card by Citi *
- Gap Good Rewards Credit Card *
- Key Rewards Visa *
- Target RedCard™ Credit Card *
- MyLowe's Rewards Credit Card *
- Kohl's Card *
You probably can't get a Walmart Credit Card (see Rates & Fees) with bad credit because this card requires at least fair credit for approval. That means your chances are best if your credit score is 640+.
Is Walmart credit card easy to get approved? ›
To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range. However, it's important to note that the specific credit score requirements may vary depending on the type of Walmart credit card you're applying for.
Does everyone get approved for Walmart credit card? ›
Not everyone gets approved for the Walmart Credit Card (see Rates & Fees) as it requires at least fair credit (640+ credit score) and enough income to afford minimum monthly payments.
How to get approved for a Walmart credit card? ›
How to get Walmart Credit Card instant approval:
- Meet the basic requirements. You must apply online or in-store, be 18+ years old, and have a physical U.S. mailing address and a Social Security number.
- Check your credit score. ...
- Review your credit reports. ...
- Apply in-store. ...
- Apply online.
Walmart Credit Card Review
The Capital One Walmart Rewards® Mastercard® is a good credit card for people who frequently shop at Walmart, especially Walmart.com. The Walmart Card's rewards rates range from 1% to 5% back, depending on the type of purchase made.
The 2018 agreement between the companies made Capital One the exclusive issuer of Walmart-branded credit cards in the United States, according to the Reuters report.
Can I get a Walmart credit card with a 520 credit score? ›
Capital One® Walmart Rewards™ Card: 650+ Credit Score Needed
The new Capital One® Walmart Rewards™ Card is a true credit card that can be used anywhere Mastercard is accepted worldwide. A credit score in the 'good' range — at least 650 — is required for this card.
What is the difference between a Walmart card and a Walmart credit card? ›
The Walmart Credit Card works anywhere Mastercard is accepted, whereas the Walmart® Store Card is more limited. The Walmart® Store Card works only at Walmart, walmart.com and Sam's Club, as well as Walmart, Murphy USA, and Sam's Club gas stations.
Is there a credit card that approves everyone? ›
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
What is the #1 credit card to have? ›
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.
Which credit card company is the hardest to get? ›
Centurion® Card from American Express
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
What credit card can I get with a 550 credit score? ›
One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there's no credit check when you apply, so approval is almost guaranteed. You just need $300 for a refundable security deposit and enough income to make monthly payments.
What credit card can you get with a 600 credit score? ›
UNSECURED CARDS FOR BAD CREDIT
| Card | More information |
|---|
| Reflex® Platinum Mastercard® | Learn more and apply. |
| Revvi Card | Learn more and apply. |
| Surge® Platinum Mastercard® | Learn more and apply. |
| Total Visa® Credit Card | Learn more and apply. |
The best credit card for a 630 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The OpenSky® Plus Secured Visa® Credit Card also reports to the credit bureaus on a monthly basis.
Can I get a credit card with a 592 credit score? ›
The short answer is yes, but you're likely to get a significantly higher-than-average interest rate.
