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Walmart Mastercard

Walmart Mastercard


Rated 3/5 stars by our editorial team

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3.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!

  • APR 18.65% - 24.65% variable
  • Cash Advance APR 21.65% - 27.65%
  • Annual Fee $0
  • Cash Advance Fee $5 or 3% of value, whichever is greater
  • Foreign Exchange Fee 3%
  • Rewards Details 3% cash back on and grocery pickup, 2% on Murphy USA and Walmart gas, and 1% at Walmart and anywhere your card is accepted.


  • Click "APPLY NOW" to apply online
  • No annual fee
  • Gas discount at participating Walmart Gas stations
  • Special financing available in-store
  • Free monthly FICO score

Expert Reviews

From the Editorial Team

The Walmart MasterCard is a credit card that you can use anywhere, but it offers special perks when you do your shopping at Walmart.

Expert Reviews of the Walmart Mastercard

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 0.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The free FICO score and discount on gasoline make this card attractive to those who shop at Walmart. But those who don’t have excellent credit will wind up with an extremely high APR.

The Good

There is no annual fee, and there may be a sign-up bonus too.
Save 5¢ per gallon every day at participating Walmart Gas stations. 
With eligible purchases you can also qualify for in-store financing – for as long as 24 months. 
Walmart Credit Card accounts that sign up for electronic statements may also enroll to receive their monthly FICO score for free.

The Not So Good

The APR for purchases can go as high as 24.65%, depending upon your credit worthiness.
The APR for cash advances can go as high as 27.65%, depending upon your credit worthiness.
Plus there is a surcharge of either $5 or 3% of the amount of each cash advance, whichever is greater. 
The card also changes a foreign transaction fee of 3% of the transaction amount, so if you plan to use the card overseas keep that in mind.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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