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
  • Shop via ShopDiscover and earn 5% Cashback Bonus on every purchase you make at Walmart!
  • 0% intro APR on Purchases and Balance Transfers for 14 Months.
BEST for FAIR Credit
  • $0 Annual Fee.
  • Earn 2 Points per $1 on Gas, Grocery, and utility purchases and 1 Point per $1 everywhere else.
  • 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
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • Unlimited 1% back gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% back on gas purchases and get more value with every gallon.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/A*N/A*17.90% -
23.90% (Variable)
$35-$99
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for 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.
  • 100% U.S.- based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$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
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See terms
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
  • 0% APR.
  • Reward Points for every dollar spent.
  • Shop Brand Name Merchandise.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Free Shipping.
  • No Employment Check.
  • Bad Credit - OK.
  • Response in 60 seconds or less.
  • Choose from thousands of products.
  • $25 off first purchase of $400 or more. Coupon Code: SEPTSAVE25. Expires: 09/30/14.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Any Credit (No Credit Check)n/an/a0.0%$49
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.± 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee.±
  • Free FICO® Credit Score online and on your monthly statement so you can track your score´s progress.±
  • 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."
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0

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.
78 In Accordance with Terms and Conditions.