Walmart® Credit Card
Save 10% on purchases today when you open an account. Offer valid on purchases up to $250. Save 3% everyday on Walmart.com. Paid as a statement credit. Subject to credit approval. Cannot be combined with any other offer.
|Credit Target||Type||Annual Fee||BT Intro APR||Purchase Intro APR||Regular APR||Rewards|
This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 23.15%* (Variable)*.
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 632 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Synchrony Bank product.
The grace period listed for the Walmart® Credit Card is at least 23 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
There were 141 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. 87% of those applicants were approved.
The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 632, then your chance of approval may be even greater.
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.
Based on community reviews, we found that 94% of 98 users recommend this card.