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Posted in: Finance

How to Apply for Walmart Credit Card

As a regular shopper at Walmart, it makes sense to have a Walamart credit card since it comes with lots of benefits. Once you use the credit card to make purchases at Walmart, you’re going to get 5% cashback. Not only that, even if you shop at gas stations with this card, you’re going to get 2% cashback on all your purchases.

However, before you can apply for the Walmart credit card and get it instantly, you will need to meet certain requirements, like being at least 18 years old, resident in the U.S, having good credit score, etc. Once you meet the application requirements, applying for the credit card is always easier since you can decide to apply online or visit their store in person.

Requirements for Applying for Walmart Credit Card

How to Apply for Walmart Credit Card

Before you can apply for a Walmart credit card, there are certain eligibility criteria that you must meet. The requirements are outlined below:

1. Age

To apply for a Walmart credit card, the applicant must be at least 18 years old. So, if you’re under 18 years old, you won’t be able to access a Walmart credit card.

2. Resident

To apply for and get a Walmart credit card, you must reside in the United States of America. Hence, if you’re not a resident of the US, you won’t be able to get a Walmart credit card.

3. A social security number is also required

4. Credit Score

If you need instant approval, you will need to have a minimum credit score of 640. Not only that, ensure that your credit report reports are error-free and up-to-date too.

5. The United States mailing address is also required.

How to Apply for a Walmart Credit Card

There are two major ways that you can apply for a Walmart credit card: online or by visiting their outlet in person. For clarity purposes, we shall be discussing each of the application processes one after the other.

i. How to Apply for a Walmart Credit Card Online

Applying for a Walmart credit card is pretty simple and straightforward. To apply, follow the steps below:

1. Login to the Walmart Official Website to get Started

The first thing to do is to visit the Walmart official website. Once you are at their homepage, locate the ‘’Apply Now’’ button and click on it.

2. Enter your Walmart Account details to Proceed

After clicking on Apply Now, a page will prompt you to fill in your online Walmart account details, then look for the ‘’ Sign In and Apply” button.


  • If you don’t have a Walmart account, you can create one by tapping on ‘’Create Account and Apply”, which is located at the top right corner of the homepage. Once you click on it, it will take you to the next page, where you’re going to input your personal details, such as name, email address, password, etc.

3. Input all the Required Details on the Walmart Credit Card Application Page

Once you are at the Walmart Credit Card application page, the next thing is to enter all the necessary and relevant information about yourself. Some of the information that you will fill in includes:

  • Full legal name
  • Current residential address
  • Zonal Improvement code
  • Active phone number
  • Functional email address
  • Yearly net income
  • The number of years you’ve spent at your current residential address

4. Choose your Preferred Communication Preference 

Now that you have completed your Walmart credit card application form, you will need to choose the communication channel that you’re comfortable with, which Walmart will use in communicating with you. You may choose a phone call, message, etc. depending on your communication preference.

5. Input additional Details in the Space Provided

At this stage, you will be required to enter additional information as the concluding part of your application. The additional information that you’re expected to provide includes:

  • Social security number
  • Mother’s maiden name
  • Date of birth

6. Click the checkbox 

After providing the additional details, review the Walmart terms and conditions; if you are comfortable with them, then click on the checkbox to confirm that you have consented to their terms and are ready to abide by them.

7. Review your Application And Submit it

Once you’re done filling out the form, you should go through it to ensure that you entered all your details correctly. After reviewing and ensuring everything is correct, click submit to finalize your application. And that’s all.

ii. How To Apply for the Walmart Credit Card In-store

Another method that you can use to apply for the Walmart credit card is by visiting any of their outlets nearest to you in person. You can decide to apply for a Walmart credit card at the jewelry counter or at the register once you check in in-store.

Once you visit their outlet, you can request the Walmart credit card application form and complete the form by providing all the necessary details. After completing the form, you can then wait for a credit card.


Applying for and getting a Walmart credit card is pretty simple and stress-free, especially if you meet the application criteria. In some scenarios, you will get an immediate response on whether your application is approved or declined. In all, try and get a Walmart credit card, especially if you’re a regular shopper, because you’re going to  increase your purchasing strength due to the cashback that comes with using the card for shopping

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