Can You Use a Walmart Credit Card Anywhere?

Image Credit: Mike Mozart via flickr


Can you use a Walmart credit card anywhere?


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,, Sam’s Club,, 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 CardWalmart MasterCardWalmart Credit Card
Annual Percentage Rate (APR) Purchase Transactions17.90%, 20.90%, or 23.90% based on creditworthiness. Variable based on prime.23.90%. Variable based on prime.
Cash Advance APR20.90%, 23.90%, 26.90% based on creditworthiness. Variable based on prime.Does Not Apply
Grace PeriodDue 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.
Minimum Interest$1.00$1.00
Late Fee$38.00$38.00
Cash Advance FeeGreater of $5.00 or 3% of each cash advance.Does Not Apply
Foreign Transaction Fee3% of each transactionDoes 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 purchases
  • Save 2% on Walmart gas & Murphy USA gas
  • Save 1% at Walmart & anywhere the card is accepted
  • Spend $75 and save $35 at 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 for full details on the Walmart credit cards**