Does anyone have a walmart credit card

The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform and in what order. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you.

That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. The Walmart credit card can only be used at Walmart stores and Walmart. No matter how you apply for the Walmart credit card, it is possible that you will receive an instant decision as to whether or not you are approved. If you are not approved instantly, you can check the status of your application by calling Can I make a payment on my Walmart credit card in the store?

You can make a payment on your Walmart credit card in store at the customer service desk. Your payment will be posted within 48 hours. Be sure to bring your account statement or card as your account number cannot be looked up in store. If you choose to apply for a secured card, you will need to come up with a refundable deposit which is usually an amount equal to your initial credit limit. Perhaps inconvenient, but it is a small price to pay to help build or rebuild your credit history.

It offers a total of 2 percent cash back on all purchases. It comes with a 15,point welcome bonus. All other purchases will earn 1 ThankYou point per dollar.

One reason is that if you miss a payment or do not follow the terms and conditions specifically, the consequences can be harsh and unforgiving. You can end up paying dearly with high interest rates, big late fees and a hit to your credit limit.

However, if you can keep up with your credit card payments and often shop at Walmart. Virtual numbers for shopping. Payment options. Choose your monthly due date, and you also may have the option to pay your statement in person at a Walmart store.

Even if browsing a brick-and-mortar Walmart is more your speed, you'll still get double rewards when you shop there. Bonus rewards are also possible on gas if you fill up at a Walmart fuel station, which includes Murphy USA stations. Outside of the Walmart umbrella, dining and travel snag you elevated rewards, too.

In short, it's a solid everyday credit card. There's no minimum redemption amount, and you have a plethora of choices for using your points. Options include applying them as a statement credit or to "erase" a purchase; booking for travel through Capital One's travel portal; or buying select gift cards available through the Capital One rewards redemption center. No matter how you use your points, they'll always be worth a penny each, and they'll never expire as long as your account is open and in good standing.

Note that literal cash back is not an option as a deposit to a checking or savings account, even if you bank with Capital One. Since it's a Mastercard, you'll enjoy wide acceptance both at home and abroad. The card's lack of foreign transaction fees combined with the aforementioned travel protections and benefits make it a worthy traveling companion. Credit cards that offer different rewards rates in different areas of spending require some mental calisthenics. If you find it too cumbersome to manage such rewards tiers, a good alternative is a card that earns the same flat rate back on all of your spending.

Previous bonus categories have included things like restaurants, gas stations, supermarkets, Amazon. Most other store cards don't either, but many cash-back credit cards do. The low end of the card's ongoing APR range is in line with the industry average , but not everyone will qualify for that rate. But you still may wonder if these cards are worth all the hype?

The Walmart and Target credit cards offer competitive rewards programs. Here's a breakdown of what to expect. Rewards you earn with either Walmart card can be redeemed at any time and for any amount. Redemption options include travel, gift cards, statement credit and the ability to cash in points during online checkout at Walmart. Winner: Tie. It depends on how you prefer to redeem rewards. If you don't want to deal with the hassle of cashing in your points, the Target RedCard is the best choice.

But if you want to use rewards for travel or gift cards, the Walmart cards provide more options.