The Walmart Credit Card is a versatile and rewarding financial tool that provides a variety of benefits to its cardholders. However, one common question that arises among cardholders is, “Where Can I Use My Walmart Credit Card?” This article aims to provide a comprehensive answer to that question.
You can use your Walmart Credit Card at all Walmart stores, Walmart.com, Sam’s Club, and Murphy USA gas stations. If you have the Capital One Walmart Rewards Mastercard, you can also use it anywhere Mastercard is accepted, including international locations and online merchants. However, the Walmart Rewards Card is limited to use only within the Walmart brand umbrella and within the United States.
Types of Walmart Credit Cards
Walmart offers two types of credit cards: the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card.
Capital One Walmart Rewards Mastercard: This credit card can be used anywhere Mastercard is accepted. This includes Walmart stores, Walmart.com, Sam’s Club, Murphy USA gas stations, and thousands of other merchants worldwide.
Walmart Rewards Card: This credit card is a private-label card, meaning it can only be used within the Walmart brand umbrella. This includes Walmart stores, Walmart.com, Sam’s Club, and Murphy USA gas stations.
Using Your Walmart Credit Card Online
Both the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card can be used for online shopping. The Capital One Walmart Rewards Mastercard can be used on any website that accepts Mastercard, while the Walmart Rewards Card can be used for online shopping on Walmart.com and the Walmart App(s).
International Use of Walmart Credit Card
The Capital One Walmart Rewards Mastercard can be used internationally, as it is accepted anywhere Mastercard is accepted. Additionally, this card does not charge any foreign transaction fees. However, the Walmart Rewards Card is limited to use within the United States.
Using Your Walmart Credit Card at Partner Businesses
The Capital One Walmart Rewards Mastercard can be used at partner businesses and affiliated stores. However, it’s important to note that Walmart has filed a lawsuit against Capital One, seeking to terminate their credit-card partnership. If Walmart is successful in terminating the partnership, they may launch a new credit card with another bank, which could affect the benefits and affiliated stores where the card can be used.
Applying for a Walmart Credit Card
You can apply for a Walmart Credit Card online, in-store, or over the phone by calling the Walmart Credit Card customer service at (800) 903-9177. To be eligible, you must meet certain requirements including being at least 18 years old, having a U.S. mailing address, possessing a valid Social Security number, and having a credit score of at least 640.
Interest Rates on Walmart Credit Cards
The interest rate on a Walmart Credit Card varies depending on the specific card and the cardholder’s credit standing. The Walmart Rewards Card has a variable APR of 26.99%, the Capital One Walmart Rewards Mastercard has a variable APR of 17.99% or 29.74%, and the Walmart Store Card comes with a 29.74% (V) APR.
In conclusion, a Walmart Credit Card can be a valuable tool for shopping both in-store and online, and can be used at a variety of places, depending on the type of card you have. As with any credit card, it’s essential to understand the terms and conditions to maximize your benefits and avoid any potential pitfalls.
Frequently Asked Questions
What are the benefits of using a Walmart Credit Card?
The benefits of using a Walmart Credit Card include cash back rewards on purchases, no annual fee, and special financing options. Specifically, the Capital One Walmart Rewards Mastercard offers 5% cash back on purchases at Walmart.com and on items purchased through the Walmart app, 2% cash back on Walmart purchases in stores, and 1% cash back on all other purchases.
Can I withdraw cash using my Walmart Credit Card?
Yes, you can withdraw cash using your Walmart Credit Card. However, cash advances come with a fee, and the interest rate for cash advances is typically higher than the rate for purchases. It’s important to read the terms and conditions of your card to understand the fees and interest rates associated with cash advances.
Can I pay my Walmart Credit Card bill in-store?
Yes, you can pay your Walmart Credit Card bill in-store. You can make a payment at any register or at the customer service desk. You can also pay your bill online, by phone, or by mail.
What happens if I miss a payment on my Walmart Credit Card?
If you miss a payment on your Walmart Credit Card, you may be charged a late payment fee. In addition, your credit score may be negatively affected. It’s important to make your payments on time to avoid these consequences.
How can I increase my credit limit on my Walmart Credit Card?
You can request a credit limit increase for your Walmart Credit Card by contacting customer service. Approval for a credit limit increase is based on your credit history, income, and payment history with the card.
