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 Walmart.com with either the Walmart credit card or the MasterCard you receive 3% back. If you buy something on Walmart.com 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 Walmart.com. 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.
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 Walmart.com 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 Walmart.com 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.