Credit Cards » Walmart Credit Cards

Walmart Credit Cards

Walmart offers two types of cards; the Walmart Credit Card and the Walmart Discover Credit Card. While both cards offer almost similar benefits to its users, the Wal-Mart Discover Credit Card is by far the best one in terms of benefits and acceptability. Undeniably, Walmart card users are receiving tremendous benefits from no annual fees, cash back on purchases, and faster response time during application.

Walmart Credit Card Alternatives

BEST for EXCELLENT Credit
  • Get 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that.
  • 0% intro APR on purchases for 12 months, then 11.9% - 19.9% variable APR on purchases.
BEST for FAIR Credit
  • Unlimited 1% gas rewards.
  • Get pre-qualified without affecting your credit score.
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for us paying late, no overlimit fee and no foreign transaction fee.±
  • Free FICO® Credit Score online and on monthly statements.±
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up±. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. - based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are — to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
See termsSee termsVarious RatesSee terms
  • Start with no annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pick the monthly payment due date that works best for you.
  • Pay however you want - by check, online, or at a local branch, all with no fee.
  • Get access to your account 24 hours a day, 7 days a week.
  • Start building for the future with features that can help you get there.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.9% (V)$0 intro for first year;
$19 after that
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you′ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.99%* (Variable)$0
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.90%$0
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a0.00%See terms

The Different Credit Cards of Walmart

Walmart has also joined the bandwagon of department stores and establishments offering their customers credit card accounts. Walmart has long been affiliated with SAM CLUB, a membership club that offers a wide range of services, including check printing, clothing, and insurance plans. Being a member of SAM CLUB allows online shopping.

Presently, there are several Walmart credit card offers. These are the Walmart Card and the Walmart Discover Card. Both of these cards share many similarities when it comes to the benefits customers receive. However, there are certain differences that distinctively separate both cards.

For similarities, firstly, both plastic cards can be used at Walmart, SAM CLUB. Clients can also save three centavos per gallon bought at participating gas stations of Walmart and SAM CLUB. Both cards do not charge annual fees as well and they offer $0 fraud liability. Another similarity is that the cards provide special financing offers and that you can use them to process in-store payments at any participating outlet. Shopping at either Walmart or SAM CLUB no longer requires clients to bring cash because they can use Walmart credit cards to make their payments.

Another similarity is that both cards offer clients $20 cash back rewards at the time of purchase as well. Clients can also get additional cards for their families at no extra charge. Clients also enjoy great rates when calling long distance using prepaid AT&T services.

For differences, the Walmart Card is a store-branded one. This means clients can use their cards only in establishments that belong to the Walmart group of companies and SAM CLUB. The three cents per gallon saved when purchasing gas at Walmart locations is an independent option that clients cannot combine with offers from SAM CLUB.

The Walmart Discover Credit Card, on the other hand, is far more superior to the standard Walmart Card. Cardholders get to earn 1% cash back rewards on all purchases made with the card. The card is also accepted in establishments that come with the Discover network insignia.

These cash back rates are standard for all clients to benefit from. For maximum cash back rewards and gas rebates, clients who do most of their shopping at Walmart can choose to get the Walmart Discover Credit Card instead of the standard Walmart Credit Card.

± Click apply for Terms & Conditions.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.