Yes, you can get pre-approved for the Walmart Credit Card, through the card’s webpage. By clicking on “See if I'm Pre-Approved,” you can quickly check your odds of approval for the Walmart Credit Card before you actually submit an application. You can also get pre-approved for the Walmart Credit Card by receiving a targeted mail offer. This is how you can check for Walmart® Store Card pre-approval, too.
How to Check for Walmart Credit Card Pre-Approval Online
- Visit the Walmart Credit Card pre-approval page and click on “See if I’m Pre-Approved.”
- Enter your name, date of birth, Social Security Number, contact, and financial information.
- Click “See if You’re Pre-Approved” to see if you have any pre-approved offers.
If you do get a pre-approval offer in the mail, you can respond to the offer online or call the phone number included in your offer letter. The letter will also include a reservation number and an access code, which you will need to provide so that the issuer will know to flag the application as pre-approved.
Be aware that Walmart Credit Card pre-approval does not guarantee that you’ll be approved for the card. It simply means the odds of getting the card are in your favor (90%) should you submit an application. Also, note that if you apply for the Walmart Credit Card, you are giving the issuer permission to conduct a hard “pull,” or inquiry, on your credit report. Hard inquiries will lower your credit score slightly, but only for a short period. Pre-approvals, however, do not affect your credit score, as they’re done using a soft inquiry.
This answer was first published on 07/13/21 and it was last updated on 01/09/24. 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
By clicking on “See if I'm Pre-Approved,” you can quickly check your odds of approval for the Walmart Credit Card before you actually submit an application. You can also get pre-approved for the Walmart Credit Card by receiving a targeted mail offer. This is how you can check for Walmart® Store Card pre-approval, too.
What credit score is needed for a Walmart credit card? ›
What credit score do you need for the Capital One Walmart Rewards credit card? You'll need good to excellent credit to qualify for a Capital One Walmart Rewards® Mastercard®. A credit score of 670 or higher is considered good on the FICO Score range.
Is a Walmart credit card hard to get? ›
Bottom Line. You'll need good to excellent credit to get the Capital One Walmart Rewards® Mastercard®*, but that's not the end of the story. If you aren't approved for the Mastercard, you are still eligible to be considered for the closed-loop version of the card.
What bank approves Walmart credit card? ›
Capital One will retain ownership and servicing of the credit card accounts. Bentonville, Arkansas-based Walmart partnered with Capital One in 2019 after ending its previous credit card deal with Synchrony Financial.
Is a Walmart credit card instant approval? ›
There's always a chance to get Walmart Credit Card instant approval when you apply online or in-store. If you're instantly approved for either this card or the Walmart® Store Card, you may use your card to make purchases right away. Just keep in mind that Walmart Credit Card instant approval is never guaranteed.
What is the easiest credit card to get? ›
Here's a Summary of the Easiest Credit Cards To Get
- Rates & Fees. ...
- Bank of America® Customized Cash Rewards Secured Credit Card *
- Navy FCU nRewards® Secured Credit Card *
- Petal® 1 “No Annual Fee” Visa® Credit Card *
- Credit One Bank® Platinum Visa® for Rebuilding Credit *
- Rates & Fees. ...
- Rates & Fees.
If you don't qualify for the Walmart Credit Card, you will be automatically considered for the Walmart® Store Card, which may be easier to get. Both cards are issued by Capital One.
Can I get a Walmart card with 580 credit score? ›
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.
What is the starting limit for Walmart credit card? ›
Applicants need to have at least fair to good credit to be approved for the Walmart Rewards card. Once approved, you can automatically add your card to Walmart Pay to use it instantly. Credit limits start at $300, but your limit depends on your credit score, debt-to-income ratio and annual income.
What is the easiest store credit card to get with bad credit? ›
The Amazon Prime Secured Card* is best for anyone trying to build or rebuild credit. It comes with no annual fee to make it easy on your budget. Because this is a secured credit card, it requires a security deposit after approval. Your deposit of $100 to $1,000, in increments of $50, determines your credit limit.
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).
How can I get a Walmart credit card with bad credit? ›
You probably can't get a Walmart Credit Card 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+. The Walmart® Store Card has the same credit score requirements, too.
Can you prequalify for a Walmart credit card? ›
Yes, you can get pre-approved for the Walmart Credit Card, through the card's webpage. By clicking on “See if I'm Pre-Approved,” you can quickly check your odds of approval for the Walmart Credit Card before you actually submit an application.
What score is needed for Walmart Mastercard? ›
You will need a credit score of at least 680 to be approved for the Walmart Rewards Mastercard. Although, it may be possible to be approved with a credit score as low as 640 if you have sufficient income. If your credit is less than ideal, you may be approved for a higher interest rate of 25.99%.
What does your credit score have to be for a 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.
Does a Walmart credit card do a hard pull? ›
You can check if you prequalify for the Walmart Credit Card on the issuer's pre-qualification page. This inquiry will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which results in a hard pull.
What credit bureau does Walmart credit cards use? ›
Walmart Credit Card reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian.
Is Walmart card good to build credit? ›
Both the Capital One Walmart Rewards® Mastercard® and the Walmart® Store Card report your account information to all three major credit bureaus each month, and making on-time payments will improve your score. On the other hand, missing payments and maxing out your limit can hurt your credit.
Does pre approval mean you will get the credit card? ›
Keep in mind that even if you receive a pre-approved credit card offer, you'll still have to apply for the card once the pre-approved offer is presented. It's important to understand that even if you've been pre-approved, you're not guaranteed to be approved once you complete an official application.
