Permalink Report Abuse
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.
Capital One Walmart Rewards® Mastercard®
Capital One Walmart Rewards® Mastercard®
1,271 Reviews
People Also Apply For
-
Target Credit Card
LEARN MORE
-
Amazon Credit Card
LEARN MORE
-
Costco Anywhere Visa® Card by Citi
LEARN MORE
see this user
Lois Baker, Member
@gabriella22213
Permalink Report Abuse
I got approved for a Walmart credit card with a 530 credit score. I did not think I would get approved. Not only did I get approved for the store card but I got approved for the Mastercard.
This is my first credit card besides the Fingerhut card. I could never get approved for a Synchrony or Comunity Bank card. But Walmart switched to Capital One so I just tried.
I think it was hard for me to get credit cards because I don't have any established credit but I don't have bad credit either. I'm so glad Capital One took a chance with me. If Synchrony and Comenity Bank give me offers I'm not going to accept them lol. My loyalty is Capital One!!!
This answer was first published on 01/22/20 and it was last updated on 01/23/20. 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.
see this user
Jon Zee, Member
@jonwzee
Permalink Report Abuse
If you don’t have a high resolution smart phone camera and your actual Social Security card,your application won’t go through. Trust me, I’ve wasted so much time dealing with Capital one.
This answer was first published on 03/10/21. 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
Does everyone get approved for the Walmart credit card?
Not everyone gets approved for the Walmart Credit Card (see ) as it requires at least fair credit (640+ credit score) and enough income to afford minimum monthly payments. If you don't qualify for the Walmart Credit Card (see ), you will be automatically considered for the Walmart® Store Card, which may be easier to get. Both cards are issued by Capital One.
Unlike the Walmart Credit Card (see ), which is on the Mastercard network, the Walmart® Store Card is not backed by any major credit card network. That...
read full answer
What's the easiest unsecured credit card to get approved for?
Some of the easiest unsecured credit cards to get are the Credit One Bank® Platinum Visa® for Rebuilding Credit and the Fortiva® Mastercard® Credit Card because you can get approved even with bad credit. The Credit One Visa offers a $300 starting spending limit, while the Fortiva Cash Card offers $350.
Easiest Unsecured Credit Cards to Get Approved For
- Credit One Bank® Platinum Visa® for Rebuilding Credit
- Fortiva® Mastercard® Credit Card
- Petal® 2 Visa® Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One SavorOne Student Cash Rewards Credit Card
- Capital One Spark Classic for Business
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the...
read full answer
Can you get a credit card without a job?
You can get a credit card without a job. Most credit card applications have a section for employment information, but you can also put student, homemaker or unemployed. Annual income and assets are more important than employment status when applying for a credit card, though.
Income is usually from a job, but it can also come from other sources like an inheritance or investments. Your assets are anything of value that you own. For example, if you...
read full answer
see this user
Roy, Member
@roye_18
Permalink Report Abuse
Since Capital One took over the Walmart card and is now issuing the card, I got approved. I applied three times before they took over and was denied. I applied again today with a 510 and got approved, but I also have a positive payment history with another card from Capital One, plus a checking and savings account. Maybe that made a difference in my favor or maybe not.
This answer was first published on 11/12/19. 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.
see this user
Summer K, Member
@summer_keller
Permalink Report Abuse
I have a 669 credit score and I work a full time job and I got declineddue to not making enough income. I already have a capital one credit card with a $1,000 credit limit a great payment history so I didn't think I would have an issue qualifying but I guess I was wrong.
This answer was first published on 07/19/21. 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.
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Walmart® Store Card, Petal® 2 Visa® Credit Card, Target Credit Card, Amazon Credit Card, and Chase Freedom Flex℠.
GET YOUR FREE CREDIT SCORE & REPORT
Join WalletHub
+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
