Apply online.
You can apply for a Walmart Credit Card online and get instantly approved. In that case, you'll get a temporary card number that you can use to make purchases right away.
You can apply for a Walmart credit card at any Walmart store location. Just go to the customer service desk or ask a cashier. You may be eligible for either the Walmart Store Credit Card or the Walmart Mastercard, depending on your creditworthiness.
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.
Customers approved for a Walmart credit card can now use their card before it even arrives in the mail. The Walmart Pay feature of the company's mobile app allows you to use new credit card immediately, both online and in stores. ... You can load all major credit, debit, prepaid or Walmart gift cards onto Walmart Pay.
The higher your score is, the higher you can expect your credit limit to be. There are reports of people getting Walmart Store Card limits of $400, $1,000 and $8,000. People report being approved and $1,200.
Yes, you can get pre-approved for the Walmart credit card. The only way to get Walmart credit card pre-approval is by receiving a targeted mail offer, though, because Capital One – the issuer of the Walmart credit cards – currently does not allow customers to check their pre-approval status online.
The best credit cards for a 550 score:
No, the Walmart Credit Card will do a hard pull. You will need a credit score of at least 700 to get it, which is better than what most store cards require, but you will be able to use it anywhere Mastercard is accepted, which is pretty much anywhere.
Best credit cards if your FICO score is 600 to 649 overview
| Credit Card | Best For |
|---|---|
| Capital One Platinum Credit Card | Rebuilding credit |
| Secured Mastercard® from Capital One | The lower end of fair credit |
| OpenSky® Secured Visa® Credit Card | Those with little to no credit |
| Discover it® Secured | Cashback rewards AND building credit |
You probably can't get a Walmart credit card with bad credit because it requires fair credit for approval. That means your chances are best if your credit score is 640+. That's not to say getting a Walmart credit card with bad credit is impossible.
You only need “fair” credit to qualify for the Target RED Credit Card, which means it's possible to get approved with a credit score of just 620. You can see if you're in the ballpark by checking your credit score for free on WalletHub.
We've seen reports that Walmart usually approves most requests for a credit limit increase after about 6 months of regular/successful payments; some have seen approvals earlier.
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