Walmart Credit Card Review – Reasons to Avoid or Get One

Any regular shopper at Walmart would have heard of the credit cards offered by this giant retailer. As consumer, you would be keen to know about various features of these credit cards.

Therefore here is an unbiased Walmart Credit Card review to help you make the right choice.

There are two types of credit cards available from Walmart. One is issued by Walmart while the other is a co-branded credit card issued by MasterCard.

Having either of these Walmart credit card makes sense if you are an ardent shopper at Walmart’s brick-and-mortar stores or online.

Comparison of  Walmart Credit Cards

Walmart offers an account opening offer for new entrants. To qualify for this offer, you need to buy stuff worth US$25 or more at Walmart and apply for a credit card.

Generally, most credit cards are approved on the same day. In some cases, your application may take a couple of days to be processed.

Walmart Credit Card

Walmart MasterCard

Walmart 3+2+1 Program

One Percent Cashback

In Store Financing

In-store financing is perhaps the only major salient feature of any Walmart credit card. This system is rather simple and offers a major advantage over other credit cards.

Walmart Credit Card Convenience

Walmart has some 7,800 stores across the US. This means, there is one Walmart store within a radius of 10 miles anywhere in the country. The location makes it convenient for people to shop at Walmart.

Further, Walmart also operates an online store making it even more convenient to shop from the comfort of your home.

You can also do your Walmart Credit Card Payment online by signing up and loging into its web portal. And if you are already a Walmart Card owner but have not registered online yet then you can do so here.

Alternatively one can also pay Walmart Credit Card Bill directly in the store at the customer care section. If you are a regular shopper at Walmart, getting a Walmart Credit Card may make some sense.

Comparison of  Walmart & Other Credit Cards

Opt for a Walmart credit card if you are looking at saving money on gasoline and refuel at Walmart or Murphy USA stations. Walmart credit cards are also ideal if you wish to avoid hassles of credit ratings or have a poor score.

The in-store financing is a great option provided you are looking to buy some expensive household product and cannot afford to pay cash-down. But utilize this facility only if you are confident of repaying within the stipulated time of APR-free credit.

If you are a student or a first time credit card user then you may also want to read the following:

Walmart credit cards are excellent if you reside in the vicinity of their store: it helps save a lot of time and the bother of carrying cash for small purchases.