All You Need to Know about the Walmart Credit Card

The Walmart Credit Card is one of many store cards supported by Tally. We believe in separating the burden of credit cards from the benefits. With Tally, you can keep using the Walmart Credit Card without worrying about high interest rates or late fees.

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About the card

The Walmart Credit Card is best for people who get their gas from the retail giant, as well as those who do a bulk of shopping at walmart.com. The card can only be used at businesses under the Walmart umbrella, including all Walmart stores, Sam’s Club and Murphy’s Gas Stations. It comes with most of the offers of store-specific cards — high APR, no annual fee — while also offering special financing options for cardholders.

How the Walmart Credit Card works

You can use the card at different Walmart companies to earn cash back, which will be applied as a statement credit. The card has offers for gas purchases, and it incentivizes making purchases on walmart.com instead of in-store — you receive 3% back for the former and only 1% back for the latter. If you spend a certain amount on the day you open the card, you’ll receive another statement credit.

With Tally you will only have one bill to pay

Benefits and rewards

On the day you open a Walmart Credit Card, you’ll get $20 back on any purchase of $75 or more. Cardholders receive 3% back on purchases made on walmart.com, 2% back on gas (but remember the card can only be used at Walmart and Murphy USA gas stations), and 1% back on all other purchases. Members are also entitled to special financing options or varying lengths as well as a free FICO credit score.

Costs and fees

There is no annual fee for the Walmart Credit Card, but the APR is relatively high and varies according to creditworthiness. (We’ve seen 19.15%, 22.15% and 25.15% APRs with this card.) The real costs of this card come with how restricted its use is; you can’t use it in most places and it’s best utilized by people who regularly shop at walmart.com.

Pay my Walmart Credit Card bill

You can access your Walmart bill and make a payment online. You can also pay by phone, through the mail or in store. To ensure you never miss a payment, add your Walmart Credit Card to your Tally account.

How Tally can help

Tally is the fastest and easiest way to eliminate credit card debt.

The Walmart Credit Card offers great savings and benefits, but the high variable APR (19.15%, 22.15%, or 25.15%) can wipe out your discounts if you don’t pay your balance in full every month. We give you a Tally line of credit at a lower APR, so you can pay off your balances faster, and we make sure all of the cards you register with Tally are paid on time and in the way that saves you the most money.

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Frequently Asked Questions

How do I get a Walmart Credit Card?

The easiest way to apply for a Walmart Credit Card is online

Where can I use the Walmart Credit Card?

A Walmart Credit Card can only be used in Walmart stores, Sam’s Club, Murphy’s USA gas stations, and on walmart.com.

Who do I contact about Walmart Credit Card?

You can reach customer service 24/7 at 1-877-294-7880. You can also find help for many potential issues online here.

Learn More About These Store Cards

Easily manage your Walmart Credit Card with Tally

Tally is the fastest way to debt-free, making it easier to save money, manage credit cards and pay down balances faster.

Download Tally today for free!