This article provides a straightforward guide for worldwide users on applying for a Walmart Credit Card online. This card can streamline purchases and help users manage spending efficiently, especially those who shop regularly at Walmart.
The process covers everything needed to apply quickly and securely, ensuring access to potential savings and benefits tied to the card.
Follow these steps to get started with your Walmart Card application.
What is a Walmart Credit Card?
A Walmart Credit Card is designed to save customers on worldwide purchases by providing cashback rewards and additional benefits.
This no-annual-fee card suits frequent Walmart shoppers looking to maximize their savings.
Benefits include cashback on everyday spending, extended warranties, and travel insurance, making it a valuable choice for regular customers with good credit.
Types of Walmart Cards Available
Walmart offers various card options for purchases, each with unique benefits:
- Rewards Card: Earns points on all Walmart purchases, in-store or online.
- Credit Card: Standard card for in-store and online purchases with cashback rewards.
- Debit Card with Rewards: Debit card provides cashback and perks with no monthly fees.
Key Features and Differences
Each card type offers specific perks:
- Rewards Card: 3% back on Walmart purchases, with no monthly fees or minimum balance.
- Credit Card: 5% back on online orders, including delivery and pickup, and 2% back at Walmart stores, fuel stations, restaurants, and travel.
- Debit Card: Fee-free overdraft, 3.00% APY on savings, no monthly fees or minimum balance.
Debit Card with Rewards
The Walmart Debit Card offers rewards without hidden fees, allowing customers to earn:
- 3% cashback on eligible Walmart purchases.
- Fee-free overdraft protection and a 3.00% APY on savings.
- Mobile payment options for added convenience.
Walmart Rewards Card
The Walmart Rewards Card, powered by Capital One®, offers additional benefits for online purchases:
- 5% cashback on Walmart’s online platform, including delivery and pickup.
- 2% cashback at Walmart locations, fuel stations, restaurants, and during travel.
- 1% cashback on all other Mastercard® purchases, with no annual fee.
Start earning rewards immediately upon approval.
Walmart Card vs. Conventional Credit Cards
The Walmart Credit Card offers unique benefits compared to standard credit cards.
- Exclusive Deals: Special promotions are available exclusively for Walmart cardholders, which is ideal for frequent shoppers.
- Worldwide Access: Benefits extend to Walmart locations and partners globally, not just in the U.S.
- Fraud Protection: Cardholders have zero liability for unauthorized charges if the card is lost or cloned.
- Cashback Rewards: Earn up to 5% cashback on purchases at Walmart, gas stations, restaurants, and partner locations.
How the Walmart Credit Card Operates
The Walmart Credit Card operates as a typical credit card within the U.S. One version, powered by MasterCard, supports worldwide transactions.
The card encourages purchases at Walmart with in-store benefits. There's also a store-specific version limited to Walmart locations in the U.S., tailored for dedicated Walmart shopping.
Requirements to Apply for the Walmart Credit Card Worldwide
Key requirements must be met to ensure eligibility to apply for a Walmart Credit Card. Here’s a quick overview:
- Identification: Applicants must provide a valid ID confirming legal residency in the United States.
- Registered Address: A legally registered U.S. address is required for verification.
- Income Source: A verifiable source of income is necessary to support creditworthiness.
Additional factors impacting eligibility include a strong credit history and demonstrating responsible management of similar financial products. Past defaults can also impact approval chances.
Basic Eligibility Criteria
Meeting these criteria improves the likelihood of approval for the Walmart Credit Card:
- Credit Score: A good or excellent credit score enhances approval chances.
- Residency: Applicants must be U.S. residents.
- Social Security Number: Required for identity verification.
- Minimum Age: Applicants must be 18 years or older.
Benefits of the Walmart Credit Card for Worldwide Users
The Walmart Credit Card offers significant advantages that enhance the shopping experience and provide financial flexibility, especially for users worldwide. Here’s a rundown of the key benefits.
Cashback Offers and Rewards
The Walmart Credit Card features a tiered cashback system, allowing cardholders to earn different percentages based on their shopping preferences:
- 5% cashback on Walmart online purchases, offering greater savings for frequent online shoppers.
- 2% cashback on in-store purchases, adding value to everyday shopping trips.
- 1% cashback on all other purchases, enabling savings across various categories.
This setup maximizes cashback potential, providing value for cardholders across multiple purchase types.
Special Financing Options
The Walmart Credit Card offers special financing options for qualified cardholders on select purchases, particularly useful for larger buys.
This flexibility allows users to pay off substantial purchases over time without interest. Carefully reviewing the terms can help avoid unexpected fees, ensuring this option works to the cardholder’s advantage.
Exclusive Benefits for Online and In-Store Purchases
The Walmart Credit Card offers unique perks tailored to both online and in-store shopping experiences:
- Free shipping for online orders is convenient for international shoppers.
- Early Access to special promotions and sales, adding value for regular Walmart customers.
- Fuel Discounts are available at Walmart and Murphy USA stations.
- Flexible payment options for large in-store purchases are ideal for those planning significant shopping trips.
Additional Perks for Peace of Mind
The Walmart Credit Card also provides valuable protections beyond cashback and financing:
- Travel Insurance for cardholders, covering unexpected events during trips.
- Purchase Protection for eligible items, offering coverage against damage or theft within a specified period.
Interest Rates and Fees for Walmart Card
Based on the cardholder's credit score, the Walmart Card's APR ranges from 19.48% to 29.99%.
There's no introductory APR, so interest starts accumulating on purchases immediately.
Paying off the balance within the 25-day grace period avoids interest charges; otherwise, interest is applied based on the average daily balance.
Fees on the Walmart Card
Knowing the fees linked to the Walmart Card helps avoid additional expenses. Key fees include:
- Late Payment Fee: Up to $39 for missed payments.
- Cash Advance Fee: $3 or 3% per transaction, whichever is higher.
- Balance Transfer Fee: 3% on transfers under the promotional APR.
Interest Calculation on Unpaid Balances
Interest for the Walmart Card is based on the average daily balance. Key details:
- Average Daily Balance: Sum of daily balances divided by days in the billing cycle.
- APR Application: APR is applied to the average daily balance to determine the interest charge.
- Grace Period: No interest if the full balance is paid within the grace period.
- Monthly Compounding: Interest compounds monthly, increasing the owed amount if not fully paid.
How to Apply for a Walmart Credit Card Online from Anywhere Worldwide
Applying for a Walmart Credit Card is quick and easy. Here’s a simple guide for global users on how to apply and what to expect.
- Visit the Website: Go to the Walmart Credit Card application page.
- Choose a Card: Select the Walmart Credit Card that suits your needs.
- Fill Out the Form: Enter personal and financial details.
- Submit the Application: Double-check the information, then hit submit.
Required Information for Application
Have these details ready for a smooth application:
- Social Security Number: Used for identity verification.
- ID: Driver’s license or similar identification.
- Income Details: Annual income for credit review.
- Contact Info: Provide an email address and phone number.
Approval Process and What Follows
Once submitted, here’s what happens:
- Instant Decision: A quick decision may be provided.
- Additional Review: If needed, a response comes within a few days.
- Card Delivery: Approved cards arrive by mail in 7-10 business days.
- Account Setup: Activate online access to manage your Walmart Credit Card.
Apply from anywhere and access the benefits of Walmart Credit worldwide.
Customer Support for Walmart Card
For inquiries or assistance, send mail to: 702 S.W. 8th St. Bentonville, AK 72716
Include relevant details in the correspondence.
For immediate help, call 877-860-1250. This line connects directly to Walmart Card customer service.
Disclaimer: Rates and fees for the Walmart Card may vary. Check the official website for the latest information.
Conclusion
Applying for a Walmart Credit Card online is simple and fast. This card offers global shoppers cashback rewards and special financing. Follow the steps to apply and unlock these benefits.
Ensure all necessary documents are ready and be aware of the approval timeline. This card enhances the shopping experience by delivering savings and added convenience worldwide.
