Walmart Credit Card in Canada Review



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The Walmart Credit Card is a utility card that can be used to make procurement of products via in-store outlets or online stores. The Walmart Credit Card comes in a Store-only card that can be utilized for Walmart procurement and a MasterCard which can be utilized for purchases in any store that accepts MasterCard.

Walmart credit cards offer credit Monthly, if you don’t need cash advances and can afford to offset your balance in full monthly, the Walmart Credit Card is a better option.

An Overview

Before you kick-start your application for a Walmart Credit Card, know that there are two types of credit cards. They are:

  • Walmart Credit Card
  • Walmart MasterCard 

The application process for both cards is the same. The target market for the Walmart Credit Card is Walmart shoppers with credit scores ranging from fair to good. Bear in mind that customers with little or no credit score may not be deemed eligible for a Walmart Credit Card. Walmart credit card is easier to obtain than most credit cards. It can also help improve and rebuild your credit history.

Walmart MasterCard Features

The Walmart MasterCard offers a zero fraud liability for unauthorized charges. Though you can add authorized users, and they’ll get extra cards at no cost. If you need a cash advance, you’ll be charged $5 or 3% of the transaction amount, whichever is greater. Your card is subject to the Annual Percentage Rate (APR) of interest if you don’t pay your balance in full monthly. Late payment accrues a penalty fee of up to $35.

Application Requirement

Thinking of getting a Walmart Credit Card? Below is the information you’ll be required to provide at the application point

  • Full name
  • Current residential address/ number of years residing there 
  • Email
  • Phone number
  • Social security number
  • Annual income

When going through with your application process, you’ll be required to choose a language for your billing statement. You’ll need to choose also if you want paperless billing, decline or procure the optional credit card protection.

Application Process

The Walmart Credit Card is very easy and fast to acquire. There are currently four ways to apply for a card. They include:

Walmart In-Store Register Application

To commence your in-store application at the register, you’ll be required to provide a:

  • Valid ID 
  • Current Credit Card

Take the above-mentioned item to any Walmart store to start your application for a card. At the register, the cashier will fill in your details into the system or your credit card to get your initial details. Afterward, you’ll be questioned on a series of questions ranging from your location to the credit card type you want. Then your application will be submitted and reviewed for approval. Note that, you either get approved instantly or be required to provide further information.

Walmart Jewelry Kiosk Application

The application process is similar to the registration application. You’ll be required to provide a valid ID at the Jewelry outlet to apply for the card. The only difference with the Jewelry Kiosk application you are offered more time and there is privacy.

Online Application

You can start, complete and submit your Walmart Credit Card application online. To do this, login to the official website at and follow the instructions to apply.

Walmart Mobile App 

You can apply for your card on your smartphone through the Walmart mobile application. To commence your application, download the Walmart app, open it, and then select the credit card option from the main menu. You’ll be required to open an account or log in to your existing Walmart account to complete the card application. Also, you can send a message with the word APPLY to 88278 to receive an application.

Does Your Credit Score Influence Your Application?

Knowing your credit score before applying for your card helps you know your chances of getting approval. Before application, make available your credit score, this is because your chances of getting approved depend on how strong your credit score is, starting from the 600s. You’ll be considered for a Walmart MasterCard if you have a high credit score. Walmart MasterCard can be utilized anywhere MasterCard is accepted.

Applicants with lower scores starting from the 500s may qualify for the Walmart credit card, which is another type of Walmart credit card, though it is restricted to store-only. Both cards are issued by Synchrony Bank, a bank that is into store-branded credit cards.

What Next After Applying?

If you made your application in an in-store outlet at the register or a jewelry Kiosk, you’ll be approved instantly. Once you’re approved, you’ll be given a shopping pass that allows you to charge on your new credit card instantly. Note that the pass is only valid for 24 hours at the store only.

If you made an online application, your approval comes in immediately and you can utilize your card online instantly. Your physical card will be mailed to you in 7-10 days. If you do not receive your card after 10 days, contact the credit service at 1-877-969-3668.

What to Do If Your Application Is Denied

If your card application was denied, you will get a letter stating the reason for your application denial. It is advisable to carefully go through the letter and note where the shortcomings are from as those are areas where your credit could use some improvements.

Also, ensure that the reasons for the denial are valid. If not, you can get in touch via the contact information included in the letter to rectify the issue. Lastly, you can contact your card issuer for reconsideration after denial. Carefully prepare an argument in advance stating the reasons you should be approved.

Making Walmart Credit Card Payment

You can make your card Payment in-store at the customer service desk. The payment processing takes about 48 hours. Ensure to go with your account statement or card because your account number cannot be retrieved in the store. For the Walmart MasterCard payment, you can mail in your payment, pay via telephone, online, ABM or teller services of any financial institution that accepts Walmart Canada MasterCard payment.

Withdrawing From Walmart Credit Card

It is important to note that you can only utilize your card at any Walmart store or any of Walmart’s on-site gas stations. The card includes an outstanding cash-advance feature that permits holders to withdraw $60 cash daily, if you make an in-store purchase you’ll be able to withdraw an extra $20.

Walmart Credit Card Limit

The higher your credit score, the higher you can project your credit limit to be. The average Walmart Credit Limit is around $400, $1,000 and $8,000.

What Credit Bureau Does Walmart Use?

When used properly, both the Walmart Credit Card and Walmart MasterCard can help build or improve your credit score and credit history. By reviewing your Walmart Credit Card and Walmart MasterCard terms and conditions, you can assert that your account activities are reported to the three credit bureaus – Equifax, Experian, and TransUnion.

How to Cancel Your Walmart Credit Card 

If you decide to close down your Walmart Credit Card account for any reason, contacting customer service is the fastest way to process your request. Customer service personnel can help you cancel your credit card. To get in touch with your customer service personnel, call the hotline on your statement. 

You can also cancel your card via mail, using the mailing address on your statement. Even after Cancelling your card under most circumstances, you’ll be liable for the whole outstanding credit card balance. To avoid accruing extra charges by any other authorized users of your cards, retrieve and destroy them. Also, note that you may lose your Walmart Credit Card and Walmart MasterCard benefits.

Does closing down your Walmart Credit Card affect your credit score?

Closing your Walmart account may affect your credit history negatively, this depends on if the card is your oldest credit card, and how long you’ve had the card. If it is your oldest card, consider offsetting the whole balance but keeping the account open, else, the average age of all your accounts will decline, which can lessen your credit score.

Walmart Credit Card Shopper Reward

As a holder of the Walmart Credit Card, you are automatically registered in the Walmart Rewards program. While shopping with a Walmart MasterCard, you earn rewards. What this means is that you’ll be receiving cashback rewards on every procurement you make with either of the Walmart Credit Cards. There are no restrictions on the number of rewards you can receive using your card. Also, the rewards do not expire because you are getting the cash back on every statement you receive. The Rewards include:

  • A 3% cashback on all procurement made on Walmart’s official website at and Walmart verified stores.
  • A 2% cashback on Murphys USA gas stations and Walmart gas stations.
  • A 1% cashback on all other procurement made in Walmart stores, Walmart Neighbourhood Market and Sam’s club.
  • A 3% cashback on groceries procured online and picked up at the store or delivered to your doorstep.

Also, the card offers 0% promotional financing options on procurements. The rewards and benefits you are open to are available on your Walmart Credit Card account agreement.

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Avid researcher, freelance writer, and personal finance enthusiast passionate about financial education and literacy.

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Kareena Maya

Personal Finance and Travel Rewards Expert Contributor



Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.

Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.