Walmart is the place where millions of American consumers shop when they want to save money. As the largest retailer in the country by a wide margin, Walmart has the volume and scale to offer consistently low prices on just about everything we need. But how well does this retail behemoth do when it comes to credit cards?

Consumers can choose between two Walmart-branded cards; a Walmart Mastercard® that can be used anywhere that accepts the Mastercard logo, and a Walmart Credit Card that can only be used at Walmart stores, Sam’s Club stores, online at Walmart.com, and at Murphy USA gas stations. Each card has different approval criteria, and one will accept applicants with less-than-perfect credit scores.

Walmart Credit Card bonus, rates, and fees

The cards also offer a sign-up bonus. As of August 2017, you’ll earn $25 after you spend your first $75 on the card. Instead of earning rewards, some purchases may qualify for special financing. For many, this means no interest if you pay off the full balance within six, 12, 18, or 24 months. As a store credit card, the Walmart Credit Card should be easier to qualify for. Its interest rate is on the high end, though. Will WALMART approve CC with Bad Credit? and With the Walmart Credit Card, you can qualify for one of three interest rates, depending on your creditworthiness. See our review page to get up-to-date rates. Neither card has an annual fee, but they do charge a fee for some other activities, including:

• Cash advances: $5 or 3% of the transaction, whichever is greater (Walmart Credit Card only).
• Foreign transaction fees: 3% of the transaction amount (Walmart Credit Card only).
• Late payments: Up to $38.
• In short, there are differences between Walmart’s Credit Card and Store Card.

Earning Cashback With the Walmart Credit Card

Here you can learn how to the Access Walmartone Schedule Employee portal online. All Walmart credit card members are automatically enrolled in the Walmart Rewards Program. This means you’ll be earning cashback rewards on every purchase you make with either Walmart credit card. You’ll get:

• 3% cashback on all purchases at Walmart.com, including orders, placed online, and picked up at Walmart stores. Groceries purchased online and picked up at the store or delivered also receive 3% cashback.
• 2% cashback at Murphys USA gas stations and Walmart gas stations.
• 1% cashback on all other purchases, including Walmart stores, Walmart Neighborhood Markets, and Sam’s Club.

There is no limit on the number of rewards you can earn, and they do not expire because you are receiving the cashback on every statement. The Walmart credit card also offers promotional 0% financing options on purchases. Your credit card account agreement will have all of the terms and conditions.

Did Walmart Approve Your Poor Credit?

If Walmart starts approving those with negative credit histories, we’d love to be the first to know. Please reach out to us on Twitter (@CardRates) or Facebook to let us know your experiences in applying for a Walmart credit card. We know how challenging it can be if you’ve had some credit missteps in the past. Thankfully, there are plenty of options out there when it comes to credit cards, so even if you shop at Walmart, you can swipe a card from a different issuer.

Refrigerators and recliners. Jewelry and jackets. The things you need are within reach at the places you shop. Our synchrony Credit cards you should check in 2020 programs offer you spending flexibility all over—from the biggest names to the best local gems.

Walmart® Credit Card’s Rewards

• Introductory offer: 5 points per $1 spent (5% back) with Walmart Pay for 12 months on in-store purchases.
• 5 points per $1 spent (5% back) on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery.
• 2 points per $1 spent (2% back) at Walmart Stores, Walmart & Murphy USA Fuel Stations.
• 2 points per $1 spent (2% back) on restaurants and travel.
• 1 point per $1 spent (1% back) everywhere else Mastercard® is accepted.
• Use rewards during checkout at Walmart.com; Redeem for a purchase or Get an account credit.
• Redeem for gift cards from Walmart or other retailers or for flights, hotels, and car rentals