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.
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.
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.
Here's what you should know about Walmart credit card limits:
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.
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 |
Credit Cards You Can Use Instantly After Approval
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.
The best credit card for a 550 credit score is the OpenSky® Secured Visa® Credit Card. There's no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments.
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.
Editorial and user-generated content is not provided, reviewed or endorsed by any company. The Amazon.com Store Card credit score requirement is 640 or higher; this means that you need at least fair credit to get this card. The better your credit score is, the higher your approval odds will be.
To check on the status of your Walmart credit card application, please call Walmart Credit Services at 1-877-969-3668. If your application has been approved, you will receive you Walmart Discover or Walmart Credit Card in the mail in approximately 7-10 business days.
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