Someone will be there to assist you with any questions. You can also go into a Walmart store and apply at the Customer Service Desk. In either case, simply click on “Apply Now” and follow the instructions. You can go online to or the Capital One Walmart Credit Card home page. The process to apply for a Walmart Credit Card is similar to applying to any other credit card. Credit score needed: Not specified, but the issuer will automatically consider you for this version if you don’t qualify for the Capital One® Walmart Rewards® Card *.Other benefits: Can redeem rewards for account credit, cash, gift cards or at online checkout.Welcome bonus: This card does not offer a welcome bonus.After that, earn 5% cash back at, including pickup and delivery, 2% cash back in Walmart stores and fuel stations, at restaurants and on travel and 1% back at Sam's club stores and Sam's Club gas stations Rewards: 5% cash back in Walmart stores for the first 12 months when using the card with Walmart Pay.Those who qualify for the World Elite Mastercard version will get perks including price protection, extended warranty benefits, secondary auto rental coverage and trip cancellation and interruption insurance Other benefits: In addition to redeeming rewards for account credit, cash, gift cards or at online checkout, Capital One Walmart cardholders can also redeem for travel through Capital One.Balance transfer fee of 3% of the amount of each transferred balance applies APR: 17.99% - 29.49% variable APR on purchases and balance transfers.Welcome bonus: Earn 5% back in Walmart stores for the first 12 months when using the Capital One Walmart Rewards card with Walmart Pay. Rewards: Earn 5% back on & in the Walmart app, including grocery pickup and delivery, 2% on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA fuel stations and 1% back everywhere else.Both cards carry $0 annual fees, but have some significant differences.Īttributes of the Capital One® Walmart Rewards® Card * include: The second type is the Walmart Rewards Card *, which is a closed-loop store card, meaning it’s only accepted for payment within the Walmart ecosystem. The first is the Capital One® Walmart Rewards® Card *, which can be used anywhere that accepts Mastercards for payment. There are two types of Walmart credit cards available. Other factors can include income, employment status, existing debt, housing status, number of open credit card accounts and number of recent credit inquiries. Keep in mind that your credit score is just one factor that issuers consider during the approval process. Store cards often have lower criteria for approval and someone without stellar credit may get approved for this version of the Walmart card. What’s unique about the Capital One Walmart Card application process is that if you don’t qualify for the Mastercard version of the card, which can be used anywhere that Mastercard is accepted, you’ll automatically be considered for the store card version. This means that the Capital One® Walmart Rewards® Card * likely requires at least good credit, which FICO typically defines as a credit score of 670 and above. What Credit Score Do You Need To Get the Walmart Credit Card?Īlthough Capital One, like most issuers, does not disclose an exact credit score requirement for the card, most rewards cards often require good to excellent credit.
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