Applying for a Walmart credit card is easy and convenient, and comes with great benefits if you are approved. From saving money on Walmart purchases online and in store, as well as at other participating locations, to building your credit, there are many great reasons to apply for a Walmart credit card. Follow these easy steps to apply today.

Make sure that you meet the requirements

  • To apply for a credit card in the US, you will need to be at least 18 years of age, have a valid I.D., social security number, and mailing address.
  • It is not recommended that you apply for a Walmart credit card (or any other store card) if your credit score is lower than 640. You can check your credit score for free online, and oftentimes you can also check your score through your bank. Many banks now show your credit score on your monthly statements or on your online banking portal.

Fill out your credit application

  • There are two ways to apply for a Walmart credit card. You can apply in store or online.
  • To apply in store, simply visit your local Walmart and go to the checkout. You will need to answer some questions regarding income, housing, and some personal information.
  • Walmart participates in an instant approval program for applicants that meet the standards for credit. If you are instantly approved, you can start making purchases on your card immediately.
  • In some cases, approval will be pending. This does not mean that you are not approved, however you may need to wait to be notified by mail to see if your application was accepted.
  • If you have been approved in store, you will receive your card in the mail within 7-10 business days. You can still use your account for in store purchases before you receive your card, if you can provide the necessary information for the store employee to look up your credit account. Usually all that is needed to do so is a driver’s license or other form of identification.
  • To apply online, you will need to go to https://walmart.com/creditlogin and create a profile with login information. This is how you will access the online credit center after your application is approved.
  • You will still need to fill out a form and answer the same types of questions and provide the same type of identification as you would if you applied in store.
  • If you are instantly approved online, you will receive a temporary card number that you can begin using immediately for online purchases. Your card will still come in the mail within 7-10 business days.

Benefits Associated With A Walmart Credit Card

  • Save a percentage on Walmart purchases and get access to cardholder discounts and deals that are not available to non-cardholders.
  • Build your credit by paying off your purchases in a timely fashion.
  • Use your card in store, online, and at participating locations to wrack up savings.

Often times there are deals associated with being approved for your credit card. One that Walmart runs is a $25 credit when you spend $75 on the day that you are approved.

How can I get approved for a Walmart credit card?

How to get Walmart Credit Card instant approval:
  1. 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.
  2. Check your credit score.
  3. Review your credit reports.
  4. Apply in-store.
  5. Apply online.

What credit score is needed for a Walmart credit card?

What credit score is needed for a Walmart credit card? The Capital One® Walmart Rewards® Card specifies that it is looking for applicants with Excellent/Good credit. That generally specifies a credit score of 600 or higher.

How hard is it to get a credit card at Walmart?

It is not very hard to get a Walmart Credit Card. Walmart has credit card offerings for people with fair credit or better. Both cards accept applicants with fair credit, so a score of 640 or higher. Requirements also include being a U.S. resident and at least 18 years of age to get either card.

How much is a Walmart credit card?

The CapOne Walmart Rewards Card and Walmart Rewards Card
CapOne Walmart Rewards Card Walmart Rewards Card
Annual Fee $0 $0
APR 17.99% – 26.99% (variable) 26.99% (variable)
Late Fees / Penalties Up to $39 Up to $39
•
7 mai 2021

Does Walmart credit card have a limit?

Here’s what you should know about Walmart Credit Card limits: That means applicants need fair credit or better to be approved. The higher your score is, the higher you can expect your credit limit to be. Walmart® Store Card also requires a credit score of 640, at a minimum.

What credit card can I get with a 550 credit score?

The best credit cards for a 550 score:
  • OpenSky® Secured Visa® Credit Card.
  • Discover it® Secured Credit Card.
  • Credit One Bank® Platinum Visa®
  • Secured Mastercard® from Capital One.
  • Milestone® Mastercard® – Less Than Perfect Credit Considered.

Can I get a loan with a 450 credit score?

A 450 credit score is a bad credit score, unfortunately, as it’s a lot closer to the lowest score possible (300) than the highest credit score (850). As a result, a 450 credit score will make it difficult to qualify for a loan or unsecured credit card.

How can I quickly raise my credit score?

Steps to Improve Your Credit Scores
  1. Build Your Credit File.
  2. Don’t Miss Payments.
  3. Catch Up On Past-Due Accounts.
  4. Pay Down Revolving Account Balances.
  5. Limit How Often You Apply for New Accounts.

How can I raise my credit score 100 points overnight?

7 Tips to Boost Your Credit Score by 100 Points or More
  1. Dispute Errors.
  2. Monitor Your Progress.
  3. Get Current On Delinquent Accounts.
  4. Pay Your Bills On Time.
  5. Keep Your Balances Low.
  6. Don’t Close Old Accounts.
  7. Get a Credit Builder Loan.

What hurts your credit score the most?

The following common actions can hurt your credit score: Missing payments. Payment history is one of the most important aspects of your FICO® Score, and even one 30-day late payment or missed payment can have a negative impact. Using too much available credit.

Can I buy a house with a 688 credit score?

42% Individuals with a 688 FICO® Score have credit portfolios that include auto loan and 29% have a mortgage loan. If one or more is listed on your credit report, it can outweigh all other factors and severely lower your credit score.

Is 600 a good credit score?

Your score falls within the range of scores, from 580 to 669, considered Fair. A 600 FICO® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications.

How quickly can credit score go up?

Such positive credit behaviors can start to improve your score as soon as a few billing cycles. “As a rule of thumb, you could see an appreciable difference in six months,” said Ted Rossman, industry analyst at CreditCards.com. However, that also depends on the issues you are trying to overcome.

Is 650 a good credit score?

Is 650 a Good Credit Score? On the FICO® Score scale range of 300 to 850, higher scores indicate greater creditworthiness, or stronger likelihood of repaying a loan. A FICO score of 650 is considered fair—better than poor, but less than good.

How can I raise my credit score by 100 points in 30 days?

How to improve your credit score by 100 points in 30 days
  1. Get a copy of your credit report.
  2. Identify the negative accounts.
  3. Dispute the negative items with the credit bureaus.
  4. Dispute Credit Inquiries.
  5. Pay down your credit card balances.
  6. Do not pay your accounts in collections.
  7. Have someone add you as an authorized user.

How can I raise my credit score 50 points fast?

5 Tips to Boost Your Credit Score by Over 50 Points in 2021
  1. Dispute errors on your credit report.
  2. Work on paying down high credit card balances.
  3. Consolidate credit card debt.
  4. Make all your payments on time.
  5. Don’t apply for new credit cards or loans.