The Walmart MasterCard is a great pick for people who do most of their shopping in Walmart. This card can be used in any Walmart out and any store that accepts MasterCard.
The Walmart MasterCard offers an APR ranging from 17.99% to 26.99%. Although the maximum APR is a little higher than the average APR for a retail card, the low-end APR is a great perk for a retail card. All amounts indicated in this article are in Canadian dollars.
Walmart MasterCard Eligibility
You must possess the following to qualify for a Walmart MasterCard
- You must be 18 and above
- Have a social security number
- A good credit score
- A U.S mailing address
Walmart MasterCard Application Process
Getting the Walmart MasterCard is easy, you can apply:
- Online
To start your application process online, log in to the official Walmart website, click on create an account and fill in the details required. Or you can go through CapitalOne.com.
- Walmart Mobile App
Go to your Google app or play store, download the Walmart App on your smartphone. Open the app and select the credit card option from the main menu. You’ll be asked to either create an account for a new member or log in if you’re an existing member. Navigate your way through the app and complete your application. Alternatively, you can send the word APPLY to 88278 to receive an application.
- In-Store Application
Take the necessary document to any Walmart outlet; meet the customer service representative to help you fill out your form. You’ll be required to provide any credit scan to retrieve your details. And be asked some questions to prove your authenticity, and then your application will be submitted. You’ll then be issued a temporary card you can use to make purchases in the store you registered. This card is only valid for 24 hours
- Jewelry Kiosk Application
This application process is similar to the In-store application. A temporary card is also issued upon application. The only difference might be more time to go through your application and more privacy.
Walmart MasterCard Credit Score/Limit
Walmart reports to the three bureaus – Equifax, Experian, TransUnion. Ensure to known your credit score before applying. Applicants with credit scores of 640 and above are likely to be approved. Walmart MasterCard is issued by Synchrony Bank. The higher your credit score, the higher you can project your credit limit to be. Generally, Walmart MasterCard credit limits range from $400, $1,000 and $8,000.
Walmart MasterCard Approval
You get instant approval when you apply for your Walmart MasterCard online. You’ll be able to purchase goods online immediately. If you made an in-store application, you’ll be approved immediately if your details are correct. You’ll be issued a shopping pass which is valid for 24 hours. The shopping pass allows you to charge on your new credit card instantly.
Your physical card will be sent to your mail within 7 to 10 days. If you do not receive your Walmart MasterCard after the 10th day, contact Walmart Credit services at 1-877-969-3668.
Walmart MasterCard Declined Application
If a case where your application was declined, a letter will be mailed to you stating the reason where your application was declined. Ensure to carefully peruse the letter to know where your application is falling short. Also, check if the reason for your application denial is genuine. If you discover there was a mistake, contact information is included in the letter sent to you, you can send the correct details to the contact information. Lastly, you can try reconsideration, contact your card issuer and asked to be reconsidered. Present your case nicely and you just might be in luck.
Features of Walmart MasterCard
Walmart MasterCard is the upgraded version of the regular Walmart card credit. There are rewards and sign up bonus attached to this card, some of the perks of this card are:
Walmart MasterCard Rewards
- 5% cashback on all purchases made online, including grocery picks and delivery orders
Walmart Rewards MasterCard rate is one of the best in the market for online purchases. You get 5% cashback if you order your groceries online for either pickup or delivery. Delivery cost depends on the time you make your purchase, however, pickup is free and usually available the same day you order. Note that your order should be at least $30.
- Cashback on all other purchases – 1%
- 2% cashback on purchases made using any of Walmart channel
- Cashback on in-store purchases after the introductory period – 2%
- 2% cashback on restaurant and travel purchases
Walmart MasterCard Travel Protections
- Roadside assistance
- Travel accident insurance
- Car rental insurance
- Baggage delay insurance
- Trip cancellation/interruption insurance
- Travel assistance and concierge services
Retail Protections
- Price protection
- Extended warranty coverage
Sign Up Bonus
- 5% cashback for the first 12 months using Walmart pay for in-store purchase
To receive this sign up bonus, you must charge your Walmart MasterCard through Walmart Pay, which is a new feature to the mobile app. Using Walmart Pay is hassle-free, and your payment is automatically loaded into the Walmart App. To achieve this, simply scan the QR code at the checkout and payment will be processed automatically.
Other features include:
- 17.99 – 26.99% APR$215 Average Yearly Rewards on $1,325 monthly purchase
- No annual fee
- Security Alert
- Capital One Purchase Eraser
- No annual bonus
- Insurance via Walmart App.
- Purchase notification
- You can lock and unlock your card using Capital One app
- ShopRunner Membership
- $0 fraud liability
- No foreign transaction fee
Walmart MasterCard Payment
There are several ways to make your MasterCard payment, they include:
- Online payment
- By Phone
- In-store payment
- By mail
- E-payment
Online Payment
To make your payment online, log in to your Walmart Credit Card account to initiate the process. This page will open in a new page, which will show where you can make the payment instantly. If you are a first time user, you’ll be required to register first before you can access the page and make payment. Online payment takes 2 – 3 business days to reflect in your account balance.
E-payment
To use this channel to pay your Walmart MasterCard bill, you must set up an E-payment channel with your bank. You’re required to have a valid checking account from a U.S financial institution and provide the following information:
- Checking account number
- Bank name
- Bank routing number – the first nine numbers from the left at the bottom of your checks
When using this channel, you’re provided with payment options for the amount you wish to pay. The options include:
- Total Minimum Payment Due
This is the amount you must pay to avoid your account being charged with a late payment fee.
- Late Statement Balance
This is the previous balance on your statement minus adjustments and payments plus transactions and finance charges.
- Current Balance
This is the balance statement of all your transactions since your last statement.
- Others
These are other charges to your account that sums up to your current balance.
You can halt you’re an E-payment if it has not been processed or if your payment is still pending.
By Phone
If you are signed to the automated payment channel, this service is free. You can choose a representative to help you post your payment; this incurs a service charge of $10. When calling in to make your payment, have your check number, routing number and other necessary information available. You can contact your MasterCard provider via 1-866-611-1148.
In-Store Payment
You can visit any Walmart outlet to make your payment at the customer service desk. You can make your payment also at any Sam’s Club location if you are a member. Payment made via In-store channel, take faster to get posted than the online channel. In-Store payment takes 24-48 hours to reflect in your account balance. While going to the store, ensure to go along with your Walmart MasterCard statement for processing.
Mail Payment
You can post your Walmart MasterCard payment through the mail, by sending it to this mail address:
“Walmart MasterCard/SYNCB
PO Box 960024
Orlando, FL 32896-0024”
Redeeming Walmart MasterCard Rewards
Redeeming your reward is very flexible; cashback is available outside of Walmart. There are no restrictions on the amount you can redeem, no minimum redemption is required. And the most exciting thing about Walmart MasterCard cashback is they do not expire.
Though you cannot request your cashback as a check or direct deposit, it can be redeemed as a statement credit online during checkout, or in exchange for gift cards. Also, you can use your cashback to book travel via the Capital One travel portal.
You can also take advantage of the Capital One Purchase Eraser. It is a saving tool that can help you save money on travel. This tool allows you to utilize your reward to offset eligible purchases, including flights and hotel stays. Also included are Uber rides, UberEATS order, public transportation, etc.
Walmart MasterCard Account Balance
To check your MasterCard account balance simply text help from your mobile phone to 96411. You’ll receive your account balance, recent transaction history, etc.
Lost/Stolen Walmart MasterCard
Report stolen/lost card immediately by calling the Walmart Credit services on 1-8778294-7880. Or you can log in to your Walmart account, navigate your way to the account summary page, and select “Request Replacement Card.” once this is done, your card will be blocked pending when a replacement card will be sent to you.
