December 5, 2023

Is it hard to get Approved for a Walmart Credit Card?

Discover the factors that determine approval for a Walmart credit card and learn practical tips to increase your chances. Explore real-life examples and alternative options for securing a Walmart credit card.


Have you ever stood in the checkout line at Walmart, contemplating whether to apply for a Walmart credit card? It's a common sight—shoppers pondering the benefits of that shiny piece of plastic that promises discounts, cashback, and exclusive offers. But as you hold that application form, you might wonder: Is getting approved for a Walmart credit card hard? Can you qualify for these perks, or are you just setting yourself up for rejection? 

In this article, we'll delve deep into the world of Walmart credit cards, exploring the factors determining approval, sharing real-life stories, and providing valuable insights to help you make an informed decision.

Now, let's start with a simple, straightforward answer to the question that's been on your mind: No, it's not necessarily hard to get approved for a Walmart credit card. Many people find it quite accessible, even if their credit history isn't pristine. However, the ease or difficulty of approval depends on several factors, which we will unravel as we delve further into the world of Walmart credit cards.

Read more: What is a Credit: Everything you need to know in 2023

The Walmart Credit Card Landscape

Before we delve into getting approved for a Walmart credit card, let's take a moment to understand the lay of the land. Walmart offers two main types of credit cards: the Walmart Rewards Mastercard and the Walmart Store Card. The Walmart Rewards Mastercard, issued by Capital One, is a more versatile option that can be used anywhere Mastercard is accepted. On the other hand, the Walmart Store Card is limited to Walmart purchases.

These cards come with various perks, including cashback on purchases, special financing options, and discounts. But to enjoy these benefits, you'll need to navigate the approval process successfully. So, let's break down what it takes to get approved and how to increase your chances.[1]

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Your Credit Score Matters, But It's Not Everything

When you apply for a Walmart credit card, one of the most crucial factors that come into play is your credit score. A credit score is a numerical representation of your creditworthiness, and lenders use it to assess your lending risk. Typically, a higher credit score indicates lower risk, making it more likely for you to get approved for credit cards and loans.

Like most credit card issuers, Walmart has certain credit score requirements for approval. However, here's where it gets interesting. While a higher credit score can certainly improve your chances of approval, it's not the only thing Walmart considers. This is a key point to remember.

For instance, the Walmart Store Card has a relatively lower credit score requirement than the Walmart Rewards Mastercard. This means that even if your credit score is not in the excellent range, you may still be eligible for the store card. So, don't be discouraged if your credit score isn't perfect; there's still hope for you to enjoy Walmart's credit card benefits.[2]

To illustrate this, let's look at a real-life example:

Your Credit Journey

You've always been a responsible spender, but life threw a few curveballs. You faced unexpected medical bills and had to pay into your savings. As a result, your credit score took a hit, dipping into the fair range. Feeling unsure about your chances, you applied for the Walmart Store Card. To your surprise, you were approved.

Your story highlights the point that credit scores are important but don't tell the whole story. Walmart considers various factors when evaluating applications, and sometimes, even individuals with less-than-perfect credit scores can qualify for their credit cards.[2]

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Income and Employment Status

Another significant factor in the approval process for a Walmart credit card is your income and employment status. Walmart wants to ensure that you have the means to repay any credit extended to you. This makes sense financially, as it reduces the risk of lending to individuals struggling with payments.

A stable source of income is crucial when applying for a Walmart credit card. The higher your income, the more likely you will be approved, demonstrating your ability to meet your financial obligations.

Consider this scenario:

Your Application

You have a stable job with a decent income. Your credit score is decent but not exceptional. You decide to apply for the Walmart Rewards Mastercard. To your delight, your application is approved.

Your case illustrates that your employment status and income can significantly influence the approval decision. Even if your credit score is not perfect, having a steady job with a reasonable income can tip the scales in your favor when applying for a Walmart credit card.[3]

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Previous Credit History and Debt

In addition to your credit score, Walmart will also look at your credit history and outstanding debts. Things can get tricky, especially if you have a history of late payments, defaults, or a high level of debt.

If your credit history shows a pattern of missed payments or a high debt-to-income ratio, it might raise concerns for the credit card issuer. In such cases, you may find it more challenging to get approved, even if your credit score is decent.

To illustrate this point, let's consider an example:

Your Credit Card Dilemma

Your credit score is in the mid-600s, which is not too far from the average credit score in the United States. However, you have a history of late payments and significant credit card debt. When you applied for the Walmart Rewards Mastercard, your application was denied.

Your story reminds you that your credit history and existing debt can be pivotal in the approval process. It's essential to maintain a positive credit history and manage your debts responsibly to improve your chances of getting approved for a Walmart credit card.[3]

The Importance of Responsible Credit Management

At this point, you might be wondering if there are any strategies you can employ to increase your chances of getting approved for a Walmart credit card. The answer is yes, and it all boils down to responsible credit management.

Here are some tips to help you on your journey to credit card approval:

1. Monitor Your Credit Score

Regularly monitor your credit score to keep tabs on your financial health. You can access free credit reports from the major credit bureaus, such as Equifax, Experian, and TransUnion, once a year. Review these reports for any errors and work on improving your credit score if needed.

2. Pay Your Bills on Time

Consistently paying your bills on time is one of the most effective ways to build a positive credit history. Late payments can have a negative impact on your credit score, so make it a priority to meet your financial obligations promptly.

3. Reduce Outstanding Debt

If you have high levels of credit card debt, work on reducing it. High debt levels can lower your credit score and make you appear less creditworthy to lenders. Create a plan to pay down your debts and avoid accumulating more.

4. Apply for the Right Card

Consider your financial situation and credit history when choosing which Walmart credit card to apply for. If your credit is less than perfect, start with the Walmart Store Card, which typically has lower approval requirements. Once your credit improves, you can explore other options like the Walmart Rewards Mastercard.

5. Be Patient and Persistent

If your application is initially denied, don't lose hope. You can call the issuer's reconsideration line and politely inquire about the reasons for the denial. Sometimes, a simple clarification or explanation can lead to reconsideration and approval.[4]

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The Personal Touch: A Customer's Journey to Approval

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To provide you with a more personal perspective on getting approved for a Walmart credit card, let's dive into a story:

Your Quest for a Walmart Credit Card

You've been a loyal Walmart customer for years, and you often see the advertisements for the Walmart credit card while shopping. You decided to apply, even though you weren't sure if you would qualify due to a few financial setbacks in the past.

When you submitted your application for the Walmart Store Card, you received a message that your application was under review. Nervous about the outcome, you decided to call the Walmart credit card customer service line to inquire about the status.

During the call, you spoke with a friendly representative who asked about your financial situation and loyalty to Walmart. You explained that you had faced some challenges but were committed to improving your financial health. You also mentioned that you shopped at Walmart regularly.

To your surprise, the customer service representative offered to review your application personally. After a brief hold, the representative returned with the news that your application had been approved.

Your experience highlights the personal touch that can sometimes play a role in the approval process. While not everyone may have the same outcome, it's worth noting that customer service representatives can have some flexibility in some instances, and a polite inquiry can make a difference.[5]

Exploring Alternative Options

If you find that getting approved for a Walmart credit card is more challenging than you anticipated, don't worry—there are alternative options to consider:

  • Secured Credit Cards: Secured credit cards are an excellent option for individuals with limited credit history or those looking to rebuild their credit. These cards require a security deposit, which serves as collateral and typically have more lenient approval requirements
  • Retailer Financing Offers: Walmart often provides special financing offers on large purchases, such as electronics or furniture, to qualified customers. While these may not be traditional credit cards, they can help you make necessary purchases with favorable terms
  • Prepaid Cards: Prepaid cards allow you to load a specific amount of money onto the card, which you can then spend like a credit card. These cards do not require a credit check and can be a useful tool for budgeting and online shopping

Read more: Do consolidation loans hurt your credit?

The Final Verdict

So, is it hard to get approved for a Walmart credit card? The answer depends on your financial situation, credit history, and which Walmart credit card you're applying for. While a strong credit score can certainly boost your chances, it's not the only factor. Factors like income, employment status, credit history, and even the discretion of customer service representatives can influence the outcome.

Remember that responsible credit management is crucial, regardless of the credit card you're pursuing. Regularly monitor your credit score, pay your bills on time, and work on reducing outstanding debt to improve your overall creditworthiness.

In conclusion, getting approved for a Walmart credit card is not an impossible challenge. With the right approach, patience, and determination, you can increase your chances of enjoying the benefits of owning one of these cards. So, the next time you find yourself at the Walmart checkout line, pondering that application form, don't be afraid to take the plunge and apply for a Walmart credit card. You might enjoy those exclusive discounts and cashback rewards sooner than you think.

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1. What minimum credit score is required to get approved for a Walmart credit card?

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. The Walmart Store Card often has more lenient requirements than the Walmart Rewards Mastercard. While a higher credit score can improve your chances, other factors like income and credit history also significantly influence the approval decision.

2. Can I apply for a Walmart credit card with no or limited credit history?

Yes, you can apply for a Walmart credit card with limited or no credit history. Walmart offers options like the Walmart Store Card, which are more accessible to individuals new to credit or with a limited credit history. These cards are a great way to establish and build your credit profile. Remember that having a stable income and demonstrating responsible financial behavior can help compensate for a lack of credit history.

3. Are there any annual fees associated with Walmart credit cards?

The Walmart Store Card typically does not have an annual fee, making it a cost-effective option for Walmart shoppers. However, the Walmart Rewards Mastercard may have an annual fee, depending on your creditworthiness and the specific card offer you receive. It's essential to review the terms and conditions of the card offer to understand any potential fees associated with your Walmart credit card.

4. How long does it take to receive a Walmart credit card once approved?

Once your Walmart credit card application is approved, you can expect to receive your physical card by mail within 7 to 10 business days. However, some applicants may receive expedited shipping options, allowing them to get their cards sooner. In the meantime, you can often use a temporary shopping pass to make purchases at Walmart while waiting for your physical card to arrive.

5. Can I use a Walmart credit card for purchases outside of Walmart?

Yes, you can use the Walmart Rewards Mastercard for purchases outside of Walmart, as it's a Mastercard and can be used wherever Mastercard is accepted. This provides you with more versatility in your spending. On the other hand, the Walmart Store Card is limited to Walmart purchases, so it can only be used at Walmart stores and on Walmart's website. Therefore, if you're looking for a credit card that offers broader acceptance, the Walmart Rewards Mastercard may be your better choice.

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