Walmart Credit Card Review

Walmart offers two main credit cards for their shoppers. Learn about both here to decide if you should apply for one.

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If you've ever wondered if the Walmart store card or Walmart Mastercard offer a good deal, this is the guide for you. If you frequently shop Walmart, you've likely been asked if you wanted to apply for these cards at some point during your checkout. Here's what we learned about them, and what you'll want to know before you decide.

Walmart offers two credit cards: the Walmart store credit card and the Walmart Mastercard. Each of these cards has their own particular restrictions and uses, so you'll want to familiarize yourself with both types to determine which card is the best for you.

Walmart Store Credit Card or Walmart Mastercard?

The Walmart credit card is a store card and can only be used at Walmart and Sam's Club, as well as their gas stations and websites. The Walmart Mastercard can be used wherever Mastercard is accepted. Both cards offer special financing for large purchases and cash back at Walmart and Sam's Club stores.

However, there are also some points where they differ considerably. Let's take a closer look. The major difference between the cards is that the Walmart credit card can only be used at Walmart and Sam's Club (as well as online and at their respective gas stations), while the Walmart Mastercard is accepted anywhere Mastercard can be used. You can also pay off your balance on both cards, in person, by visiting a Walmart or Sam’s.

With the Walmart store card, the obvious target market includes users who shop often at Walmart or Sam's Club stores. If you're a frequent shopper at either of these two retailers, you may find that having a Walmart store card opens up the door to some considerable savings.

Walmart Mastercard Has Unique Benefits

If you sign up for the Walmart Mastercard, which is widely accepted at a number of retailers, you’ll get more perks. These include cashback on all purchases. If you enroll in electronic statements, you can also get free access to your FICO score every month. This is a nice perk if you're looking to understand and improve your credit score. Both cards give you rewards at Walmart gas stations.

Both cards are designed for users with fair to good credit. You should plan on applying with a credit score in the 600s if you want to access the most benefits. Some people with credit scores in the high 500s may be able to get the store card, but it will come with a low credit limit.

If you’re wondering which is best for you, the best question to answer is how you plan to shop with it. Do you want a card that will be accepted widely or do you want one mainly for building your credit as a frequent Walmart shopper? The Mastercard has more benefits and wider acceptance but it is harder to access. For building your credit, the store card will do just fine. For more expansive shopping capabilities, go with the Mastercard.

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Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.