Q:Can you use a Walmart credit card anywhere?
A:Walmart offers two choice for their credit cards. You can obtain the Walmart Credit Card or the Walmart MasterCard.
The Walmart Credit Card can only be used at Walmart owned stores. These stores include Walmart, Walmart.com, Sam’s Club, Samsclub.com, Walmart gas stations, and Murphy USA.
The Walmart MasterCard can be used anywhere that MasterCard is accept. This may include Walmart, Amazon, gas stations, or wherever else MasterCard is accepted.
APR & Fees
Below we have provided the APR and fees associated with the Walmart Credit Card and the Walmart MasterCard.
|Credit Card||Walmart MasterCard||Walmart Credit Card|
|Annual Percentage Rate (APR) Purchase Transactions||17.90%, 20.90%, or 23.90% based on creditworthiness. Variable based on prime.||23.90%. Variable based on prime.|
|Cash Advance APR||20.90%, 23.90%, 26.90% based on creditworthiness. Variable based on prime.||Does Not Apply|
|Grace Period||Due date is at least 23 days after the close of each billing cycle.||Due date is at least 23 days after the close of each billing cycle.|
|Cash Advance Fee||Greater of $5.00 or 3% of each cash advance.||Does Not Apply|
|Foreign Transaction Fee||3% of each transaction||Does Not Apply|
While the Walmart credit cards might feature a higher than average APR for certain cardholders, the cards do come with some perks. Below we have listed the main benefits that come with the cards.
- Save 3% on Walmart.com purchases
- Save 2% on Walmart gas & Murphy USA gas
- Save 1% at Walmart & anywhere the card is accepted
- Spend $75 and save $35 at Walmart.com the same day you open your account. $35 discount purchases will not qualify for the 3%, 2%, or 1% rewards listed above.
**You will receive a statement credit for savings and rewards. See Walmart.com for full details on the Walmart credit cards**
Image Credit: Mike Mozart via flickr