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Related Card Offer: First PREMIER Bank® Platinum Credit Card APR: 9.90% Intro APR: None Annual Fee: $48 Apply Now

Wal-Mart® Credit Card

APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 9.87% will apply immediately. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 4.12% to the U.S. prime rate.

Rewards:
This is not a rewards card. However, depending on your intended use, the low rate of 9.87% may be considered as a higher importance than rewards. Another consideration is that this offer does not have an annual fee.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO score of at least 649 is recommended for a higher chance of approval for the Wal-Mart® Credit Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Wal-Mart® Credit Card is at least 25 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.

Approval Rate:
There were 12 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 83% of those applicants were approved. This card has a very poor approval or acceptance rate. Since this is a card for fair credit, numerous factors may influence this rate, including the APR, fees, or past applicants credit record and income levels. If you believe that you fall into the credit record of "Fair Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 649, then your chance of approval may be greater than other applicants.

Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.

Offer Details:

• Accepted at Wal-Mart, SAM'S CLUB and Walmart.com.
  
• Save 3¢ per gallon at participating Wal-Mart and SAM's Club gas stations²
  
• No annual fee
  
• $0 fraud liability
  
• Special financing offers
  
• Make in-store payments at any Wal-Mart or SAM'S CLUB register
  
• Choice of payment due date
  
• $20 cash at time of purchase³
  
• Additional cards for family members at no extra cost
  
• Great rate for pre-paid AT&T long distance
  
• Secure access to account information

*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying.

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**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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