How Hard Is It To Get a Walmart Credit Card? (2024)

FAQs

How Hard Is It To Get a Walmart Credit Card? ›

It is not hard to get a Walmart Credit Card. You only need fair credit to qualify for a Walmart Credit Card, so you should have a good chance of getting approved as long as your credit score is 640 or higher, you have a steady income, and you're both a U.S. resident and 18+ years old.

You need a credit score of 640 or higher (fair credit or better) to get a Walmart credit card. Your income, existing debt load, recent credit inquiries, employment status, and housing status will also impact your chances.

To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range. However, it's important to note that the specific credit score requirements may vary depending on the type of Walmart credit card you're applying for.

The Discover it^® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.

Walmart Credit Card applications are typically approved or denied instantly, or later the same day. However, if you don't get instant approval, it could take another week or two to hear back. For example, your application might get flagged as fraudulent. Or, the issuer might need more time to verify your information.

The credit limit for the Walmart® Store Card starts at $300, and the exact limit you're assigned depends on your overall creditworthiness.

While there are a handful of reports from those with credit scores in the 600 range getting approved for the Walmart Credit Card, the general consensus is that Walmart largely declines applications from those with low FICO scores, past bankruptcies, repossessions, and high levels of debt.

To get approved for the Walmart Credit Card, you will need a credit score of 640 or above (fair credit or better). Other requirements include a monthly income that's at least $425 more than your monthly housing payment, a valid SSN or Tax ID number and a physical U.S. address.

It is not hard to get a Walmart Credit Card. You only need fair credit to qualify for a Walmart Credit Card, so you should have a good chance of getting approved as long as your credit score is 640 or higher, you have a steady income, and you're both a U.S. resident and 18+ years old.

You probably can't get a Walmart Credit Card with bad credit because this card requires at least fair credit for approval. That means your chances are best if your credit score is 640+. The Walmart® Store Card has the same credit score requirements, too.

What store card is easiest to get approved for? ›

The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants. The OpenSky Plus Card also has a $0 annual fee and reports to the major credit bureaus, making it easy to save money and build credit.

Your Walmart Credit Card application could have been denied as this card is no longer available to new applicants. Most commonly, applications get denied because of a low credit score, insufficient income, or too much debt.

Cons. You had to use the Walmart Pay app to earn this card's welcome offer, which was inconvenient if you weren't mobile-savvy. The card lacks valuable perks that many other rewards cards offer, such as statement credits and intro APRs.

Both the Capital One Walmart Rewards® Mastercard® and the Walmart® Store Card report your account information to all three major credit bureaus each month, and making on-time payments will improve your score.

Both the Amazon Credit Card and the Prime Visa are for people with good or excellent credit scores of 700+, while the Amazon Store Card accepts fair credit (640+ credit score) and the Amazon Secured Credit Card is for bad credit (300+ credit score).

The Target Credit Card requires fair credit or better (640+ credit score) for good approval odds. When you apply for a Target Credit Card, the issuer will also consider your income, employment status, debts, housing information, and more.

Bottom Line. You'll need good to excellent credit to get the Capital One Walmart Rewards® Mastercard®*, but that's not the end of the story. If you aren't approved for the Mastercard, you are still eligible to be considered for the closed-loop version of the card.