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I got approved at credit score 590 .
This answer was first published on 10/27/20. 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.
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Well, it is, however, hard to get approved for it with a low score.
However, I learned that if you prequalify for any Capital One, they will allow you up to 2 or more. So I got approved for the Platinum card with capital one with only a 552 FICO score and 645 vantage score and then I applied for the Walmart card which I knew I wouldn't get the Visa Walmart card but still did approved for the Walmart store card and I also got approved for another store card held by Capital One.
So I've learned not just with me but others that if you can get overqualified and approved for 1 card with Capital One you can usually get approved for another 1 or 2 cards.
And this is the same with other card companies cause they don't see these new accounts yet on your file. But of course, it is not good to open multiple cards cause it affects card length history. But I was rebuilding and starting over so it didn't hurt me one way or the other cause now I have 4 cards all on the same time frame. And of course, every case is different. Cause in the past I've been turned down with a higher FICO score for cards. So while the score is important it isn't everything they look at.
This answer was first published on 02/18/20 and it was last updated on 02/19/20. 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.
People also ask
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.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to...
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Yeah: increase your credit score. Check for mistakes, dispute, pay stuff on time. There's no magic involved, really.
You can't really get approved for it if you don't have at least about 650. Even if your income is great, I wouldn't risk a hard inquiry.
This answer was first published on 03/29/18. 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.
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FAQs
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.
Can I get a Walmart credit card with bad credit? ›
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.
Can I get a Walmart credit card with a 500 credit score? ›
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 minimum credit score needed for a Walmart credit card? ›
What credit score do you need for the Capital One Walmart Rewards credit card? You need a credit score of 640 or higher to qualify for a Capital One Walmart Rewards® Mastercard®.
What is the easiest Walmart card to get? ›
If you don't qualify for the Walmart Credit Card (see Rates & Fees), you will be automatically considered for the Walmart® Store Card, which may be easier to get. Both cards are issued by Capital One.
What is the minimum credit score for Capital One Walmart card? ›
Called the Capital One® Walmart Rewards® Card, the Walmart credit card is a Mastercard® that can be used anywhere Mastercard is accepted. Because it is a Mastercard, the criteria for approval is slightly stricter. You need a good FICO® Score of about 670 or above to qualify for the Capital One Walmart Rewards Card.
How do I get approved for Walmart credit? ›
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.
Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.
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 *
The best credit card for a 480 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.
A credit score in the 'good' range — at least 650 — is required for this card. There is only one Walmart credit application, so if you apply and are not approved for a Walmart Mastercard, you may be offered a Walmart Rewards™ Card instead.
What credit card can I get with 500 credit score? ›
With a Credit Score of 500, Secured Credit Cards are generally the most accessible option. In addition to the ones mentioned, you can also consider the OpenSky Secured Visa Credit Card and the Green Dot Visa Secured Credit Card. These cards typically require a security deposit, which becomes your credit limit.
How hard is it to get a credit card at Target? ›
You need fair credit or better to get approved for a Target Credit Card. For the best odds of being approved, it's recommended that you only apply for a Target Credit Card if your credit score is 640 or higher and you have enough income to afford monthly bill payments.
How quickly can you get a Walmart credit card? ›
It can take 7-10 business days to get approved for a Walmart Credit Card if you're not approved instantly when you apply. Once you are approved, you will receive your Walmart Credit Card by mail within 10 business days. So from the moment you apply, it can take up to 20 business days to get the Walmart Credit Card.
Are there 2 different Walmart credit cards? ›
The Capital One® Walmart Rewards™ Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™ Card can only be used for Walmart purchases (Walmart.com, in the Walmart App(s), in stores, and at Walmart and Murphy USA Gas Stations).
Which card gives free Walmart? ›
Which credit card offers Walmart Plus? Both the American Express® Business Gold Card and The Platinum Card® from American Express offer a Walmart+ statement credit.
Can I get approved for a credit card with a 550 credit score? ›
Yes, it's possible to get an unsecured credit card with bad credit, including a score of 550. Yet the higher your score, the better the options available to you — especially in terms of rewards rates, interest rates and annual fees.
What credit score is needed for a Target credit card? ›
You'll need to have at least fair or average credit -- a credit score over 580 -- to qualify for the Target RedCard. Like any card, you'll have a better chance of being approved if you have good credit or better. Applicants with lower credit scores may also be offered a lower credit limit.
Can I get a credit card even with bad credit? ›
Even with poor or bad credit, there are still credit card options available to you. Secured and subprime credit cards are among the options that may be more accessible to borrowers with poor or bad credit.
