Last Updated on 09/02/2020 by GS Staff
[otw_shortcode_dropcap label=”Q: ” size=”large” border_color_class=”otw-no-border-color”][/otw_shortcode_dropcap] Can you use a Walmart credit card anywhere?
[otw_shortcode_dropcap label=”A: ” size=”large” border_color_class=”otw-no-border-color”][/otw_shortcode_dropcap] Walmart offers two choice for their credit cards. You can obtain the Walmart Rewards Card or the Capital One Walmart Rewards MasterCard.
The Walmart Rewards Card can only be used at Walmart owned stores. These stores include Walmart, Walmart.com, and Murphy USA gas stations.
The Walmart MasterCard can be used anywhere that MasterCard is accepted. This may include Walmart, Amazon, gas stations, or wherever else you can use MasterCard.
APR & Fees
Below we have provided the APR and fees associated with the Walmart Rewards Card and the Walmart Rewards MasterCard.
| Credit Card | Capital One Walmart Rewards MasterCard | Walmart Reward Credit Card |
|---|---|---|
| Annual Percentage Rate (APR) Purchase Transactions | 17.99%, 23.24%, or 26.99% based on creditworthiness. Variable rate. | 26.99%. Variable rate. |
| Cash Advance APR | 26.99% (Variable) | Does Not Apply |
| Grace Period | Due date is at least 25 days after the close of each billing cycle. | Due date is at least 25 days after the close of each billing cycle. |
| Late Fee | Up to $39.00 | Up to $39.00 |
| Cash Advance Fee | 3% of the cash advance (not less than $10.00) | Does Not Apply |
| Annual Fee | $0 | $0 |
Benefits
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 some of the main benefits that come with the cards.
- 5% back on Walmart.com & Walmart app, Grocery Pickup and Delivery
- 2% back at Walmart stores, Walmart & Murphy USA Fuel Stations
- 2% Restaurants & Travel (for Walmart Mastercard only)
- 1% back anywhere Mastercard is accepted (for Walmart Mastercard only)
Sources:
walmart.com
Image – Mike Mozart via flickr