Is the capital one walmart card good

Q: Is it hard to get a Walmart Capital One card?

No, it is not hard to get a Walmart Credit Card, though its not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval. The same applies for the Walmart® Store Card, too.

Q: What credit score do you need for Walmart card Capital One?

While no credit score guarantees approval, youll need at least fair or average credit to qualify for the Capital One Walmart Rewards Mastercard (a FICO score of at least 580 or higher).

Table of Contents Show

Capital One® Walmart Rewards® Card Review
Key Takeaways
Pros & Cons of Walmart credit card
Walmart credit card FAQ
Does Walmart credit card have a cash back or rewards program?
What are the Walmart credit card benefits?
What are the relevant APRs for Walmart credit card?
Does Walmart credit card have an intro APR offer on balance transfers?
Does Walmart credit card have an intro APR offer on new purchases?
What are the fees for Walmart credit card?
Does Walmart credit card have a foreign transaction fee?
What is the customer service phone number for Walmart credit card?
What is the support contact email for Walmart credit card?
What is the Walmart credit card login page?
How do people rate the customer service and user experience of Walmart credit card?
Does Capital One® Walmart Rewards® Card report your account activity to credit bureaus?
How to apply for Walmart credit card
Message From Capital One
Message From Our Editor
Is Walmart Capital One worth?
Is it hard to get a Walmart Capital One card?
Is my Capital One Walmart card only good at Walmart?
What credit score do you need for Walmart card Capital One?

Highlights

Community Rating	Mostly not recommended
Purchase APR (Variable APR)	17.99% - 27.74% (Verified 10/14/2022)
Balance Transfer APR (Variable APR)	17.99% - 27.74% (Verified 10/14/2022)
Credit Score Range	670 - 850
Annual Fee	$0
Number of Reviews	40

Capital One® Walmart Rewards® Card Review

This is a store cashback credit card issued by Capital One. If you're wondering whether Walmart credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

Generous reward rate. You can get a maximum cashback rewards rate of up to 5x.
High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 27.74%.
No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
3% Balance transfer fee. Capital One® Walmart Rewards® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
Accepts cosigners. Capital One is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, and fraud protection.
Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Walmart credit card

The Good	The Bad
Earn 5% back in Walmart stores when you use Walmart Pay for the first 12 months No annual fee. Multiple credit card perks. Extended warranty and price protection on purchases. Free access to your credit score. Travel accident and travel assistance insurance. No foreign transaction fee. Capital One® Walmart Rewards® Card reports to multiple credit bureaus.	Higher than average purchase APRs. You need good credit to qualify. Does not offer a signup bonus. Charges a 3% balance transfer fee.

Walmart credit card FAQ

Does Walmart credit card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

What are the Walmart credit card benefits?

It provides the following benefits:

Free Credit Score
Emergency Support
Extended Warranty Protection
Zero fraud liability
Price Protection
Travel Accident Insurance
Travel Assistance
Reports to major credit bureaus

What are the relevant APRs for Walmart credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Capital One® Walmart Rewards® Card has a variable purchase APR that ranges from 17.99% up to 27.74%. The card has a variable balance transfer APR that ranges from 17.99% up to 27.74%. It also has a variable cash advance APR of 27.74% .

Does Walmart credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Walmart credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Walmart credit card?

The following fees apply:

Walmart credit card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Late Payment Fee	up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Walmart credit card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Walmart credit card?

The Walmart credit card customer service number is (800) 925-6278.

What is the support contact email for Walmart credit card?

The support contact email for Walmart credit card is .

You can access the Walmart credit card login page here.

How do people rate the customer service and user experience of Walmart credit card?

Overall, Walmart credit card is mostly not recommended based on community reviews that rate customer service and user experience.

Does Capital One® Walmart Rewards® Card report your account activity to credit bureaus?

Yes, Capital One® Walmart Rewards® Card reports your account activity to the following credit reporting agencies:

Equifax
Experian
Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Walmart credit card

Visit the Walmart credit card website.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Capital One

Message From Our Editor

Is Walmart Capital One worth?

For fans of online shopping and Walmart stores, the Capital One Walmart Rewards® Mastercard® could be one of the best credit cards for groceries. Boasting no annual fee, it offers an impressive 5 percent cash back on Walmart.com purchases, including grocery pickup and delivery orders.

Is it hard to get a Walmart Capital One card?

No, it is not hard to get a Walmart Credit Card, though it's not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval. The same applies for the Walmart® Store Card, too.

Is my Capital One Walmart card only good at Walmart?

Since the Walmart Rewards™ Card is a private-label card, you can only use the card at Walmart properties, which include Walmart.com, the Walmart app, Walmart stores and Murphy USA gas stations. On the other hand, the Capital One Walmart Rewards® Mastercard® can be used anywhere Mastercard is accepted.

What credit score do you need for Walmart card Capital One?

While no credit score guarantees approval, you'll need at least fair or average credit to qualify for the Capital One Walmart Rewards Mastercard (a FICO score of at least 580 or higher).