Walmart Credit Card Applications Online

Walmart Credit Card Applications – Are There Better Alternatives?

How Do Walmart Credit Card Rewards Work?

Walmart has a program called 3.2.1 Save Rewards. 

The way it works is that when you buy on with either the Walmart credit card or the MasterCard you receive 3% back. If you buy something on and you are in store you will only receive 1% back. This is important to remember if you want to maximize the rewards.

Now the next level is 2% back if you buy gas through Murphy USA or the Walmart gas stations. 

Everything else you buy with this card is only 1% back.


So even though it may seem like a good card for rewards, you are really only getting the higher rewards when you purchase gas or buy online via This is an important thing to remember. This is because there are other cash back credit cards that will give you a higher amount on everything you purchase.



  • Earn Unlimited Rewards
  • No Annual Fees
  • Access FICO Score each month free.
  • 0 Fraud Liability
  • Rewards Limited to and Gas Purchases. Only 1% on everything else.
  • New Accounts purchase APR is 19.15%, 22.15%, or 25.15%.

How Do You Apply For a Walmart Credit Card?

There are a few ways you can actually apply for a Walmart Credit Card.

You can go directly into a store and apply at the register or at a jewelry kiosk. If you are approved in store you will get a Temporary shopping pass that is good at that store only for 24 hours.

You can also just go to to apply for a Walmart credit card on the credit card page.


How Do I Get a Walmart Credit Card Instant Approval?

You must meet the minimum requirement of being 18 years or older and have a U.S. mailing address as well as a Social Security Number.

Your credit score should also be a minimum of 640 to get an instant approval either Online at or at the jewelry kiosk in store. 

If you do not get instant approval on your Walmart credit card you will have to wait 7 – 10 business days to get the card by mail if approved.