Wal-Mart Credit Card

Do you frequently go to Wal-Mart? If so, you may want to consider investing in the Wal-Mart credit card. The company offers a few different options for you to choose from in credit cards. Each one is a big different, but most do offer the incentives that you want. Some of these credit cards will fit the needs of consumers with less than perfect credit, too.

Wal-Mart offers two credit card offers for you, the Wal-Mart Discover and the Wal-Mart Credit Card. Look at each one to learn what these cards can offer to you.

Wal-Mart Discover Card

The Discover Card is the more attractive offer to most consumers who have a higher credit score. To qualify, you will need to have good or better credit. This card offers some benefits including the following:

  • You will earn up to one percent cash back on all of the purchases you make using the card.
  • You can use the card at any location in the world that accepts Discover, including non-Wal-Mart locations. The location must offer the Discover Network Acceptance Mark, to show it takes this card.
  • You also receive 10 cents per gallon of gasoline off when you purchase gas from participating Wal-Mart gas stations in the United States. Restrictions do apply here.
  • You also receive a free, monthly FICO Score when you enroll your card into the electronic statements online feature. This can help you to track your FICO Score over a period of time.
  • There is no annual fee.
  • The card comes with $0 fraud liability.
  • You can use the card for cash advances, but there is a fee to do so.

This card offers more benefits but it is harder to qualify for.

The Wal-Mart Credit Card

The standard credit card offer from this Wal-Mart offers many of the same benefits, including the gas savings, free FICO Score, cash advance availability, no annual fee and fraud protection. However, it does not offer any cash back earnings on it. You can use it at Wal-Mart only.

Should You Apply?

Some consumers will benefit from the incentives of this card. Compare credit card offers from other retailers as well as national lenders to determine if this one is a good fit for your needs in particular. You may find other credit cards with better rewards benefits, too. Take the time to compare all of your options before you apply online.