Walmart Credit Card Login, Payment, Customer Service, Cancel, and More

Walmart is America’s biggest retailoring company, and you can find almost everything on their shelves. With over 10,500 stores across 49 states, you will likely have a branch near your neighbourhood. One of their services is a credit card which they’ve started with Capital One.

The card has significant rewards and a simple sign-in process, and it’s easily accessible as long as you have a good credit score.

Here’s a compiled list of everything you’ll need to know when signing up for a Walmart credit card, including the login process and how to make payments.

Key Takeaways

  • You can sign up or sign in to your account on the Walmart website.
  • You can make payments using a few methods: through their mobile app, online on their website, on the Capital One website, or by mail at Walmart Credit Card/Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083.
  • You can cancel your credit card through their website or call customer support at +18002274825.
  • Walmart customer service is also available around the clock at +18002274825.

How you can Apply for a Walmart Credit Card

Applying for a Walmart credit card is a relatively simple process.

Step 1

The first step is to confirm if you’re pre-approved. You need a good credit score to get a credit card quickly. You can check if you’re approved for it on the Walmart website.

If you think you’re eligible, you can skip straight to signing up. Customers generally need a credit score of around 640 to be pre-approved for the credit card, though you might be considered for their Store Card if you aren’t eligible for the former.

Step 2

Compile your documents. You’ll mainly need your government ID as a valid form of identification. You’ll also need a passport-sized photograph.

Then, you can choose to apply online or at a store.

Step 3

When you’re ready to apply for the credit card, you can visit the Walmart website and click Apply Now to sign up.

Alternatively, you can visit any nearby Walmart location and go to their customer support desk to ask for an application form. If your centre has one, you can also get a form from a cashier or at the self-checkout area.

Step 4

Once they’ve approved you, activate your account. You’ll get your credit card in the mail around 7 to 8 business days later.

If you aren’t getting any updates, contact their services at 1-877-969-3668. You may be eligible for a Store Card if your application isn’t approved.

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How to Log in to Your Walmart Account

Once you’ve signed up, you can quickly sign in on the Walmart website by clicking the login option in the top right corner. You’ll have to sign up using your email address the first time, after which you can access it anytime.

Once you sign in from your computer, you can save your email and password for the website to access it quickly every time.

You can also log in using the Walmart app, which is available on the App Store and Google Play Store.

How to Make Credit Card Payments for a Walmart Credit Card

You can make credit card payments in several ways, from mail to online. You can select the option that’s convenient for you.

1.  Making Payments Online

Once you log in to your account on the website, you can select the ‘Make a Payment option.

You’ll have to enter the amount you want to pay, and you can select your last balance statement, current balance, and minimum payment if you’re on a budget or a custom amount.

Then, click ‘Continue’ and select the date you want to make the payment. Finally, confirm which account you’re paying from if you have more than one, and click ‘Submit Payment’ to finish the process.

2.  Making Payments Through the App

The Walmart app is on the App Store and the Play Store, and you can sign in on your phone or tablet. Once you’ve entered your information and chosen ‘Submit Payment,’ your money will be transferred.

Alternatively, you can pay through the Capital One app, the bank holding company that issues Walmart credit cards. The app is also available on the App Store and Google Play Store.

3.  Making Payments Over the Phone

If you don’t have the internet or find it more convenient, you can also contact +18773834802 and pay your bill over the phone after entering the last 4 digits of your credit card number.

You’ll hear an automated system that will let you select making a payment, after which their service will guide you through the procedure.

4.  Making Payments by Mail

If you want to pay by mail, you must post your check and payment coupon with your monthly bank statement.

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The address listed at the back of the coupon is Walmart Credit Card/Capital OneAttn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083.

There’s also an overnight address: Capital OneAttn: Payment Processing6125 Lakeview RdSuite 800Charlotte, NC 28269

5.  Making a Payment in Person

The final method is making a payment at a Walmart store. You can go to any customer service desk or cashier.

You must take your credit card and payment coupon. Since Walmart owns Sam’s Club, you can also pay at their customer service location if you’re a member.

The Perks That Come with a Walmart Credit Card

There are three main advantages that you’re privy to if you get a Walmart credit card.

●    5% Cashback on Website

This cashback only applies if you shop at, which is their website. The cashback is also applicable to pick-up and delivery, two services available at most stores, so you can get what you need without fuss at your doorstep.

●    2% Cash Back at Physical Locations

You can get a 2% cash back at all Walmart stores and fuel stations in the USA, at most restaurants, and during travel.

●    1% Cash Back for Mastercards

Finally, you’ll get a 1% cash back wherever Mastercard is accepted.

The card has no annual fee(0$) and a 17.99% to 27.74% variable APR.

While there’s a Walmart card, their Capital One card is a better choice because it’s usable everywhere Mastercard is accepted, while the Walmart card can only be used at Walmart and Sam’s Club locations.


Does Closing My Walmart Credit Card Affect My Credit Score?

It might, so it’s best to ensure you’re up-to-date on all your payments before closing your account.

Walmart cards are issued by Capital One, which reports your information to three major credit bureaus; Equifax, Experian, and TransUnion.

If you use your card often, pay it off since having too much to pay, or a negative balance will lower your credit score. This will reduce your chances of getting another card.

You can pay your balance using many methods, though the quickest is through their website or mobile app.

What Can You Do if You’re Rejected for a Walmart Credit Card?

The first step is ensuring the information you provided is correct because it might’ve affected your chances.

Next, go over your credit score. You’ll need a good score of at least 640 to qualify for a Walmart credit card. One way to avoid trouble is to check if you’re pre-approved on their website.

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If you want to ask to be reconsidered, you can contact customer service as long as you have a good argument prepared. Alternatively, you can focus on improving your score or settle for a Walmart Store Card.

What is the Difference Between the Capital One Walmart Reward Card and the Walmart Rewards Card?

The Capital one card is a partnership that gives you more perks with cashback on more items. The Walmart card only applies to Walmart stores, while the other has a better rewards rate.

The Capital One card also has traffic accident insurance, extended warranty protection, no foreign transaction fees, and concierge service, so it’s the better choice.

The significant difference is only the issuer because Capital One is a large bank holding company and can provide a broader range of advantages to Walmart customers.

Is it Hard to Maintain a Walmart Credit Card?

It isn’t hard as long as you make your payments all the time. First, you need a good credit score to be eligible for it.

It has no annual fee but relatively high-interest rates, so making payments on time is best to avoid getting behind and lowering your score.

Being careful won’t be tricky if you’re someone with a good score. But it’s prudent to review your bank statements each month to ensure you didn’t miss anything.

What Score Do I Need to Apply for a Walmart Credit Card?

Usually, there’s a minimum of 640. It’s best to apply if your score is at least 650.

If your request is declined, Walmart might offer you a Store Card, though it comes with fewer perks.

Other than that, you can ask for reconsideration through customer service. Some card users have reported that they were approved with a score as low as 550.

Still, remember to go over your score and focus on improving it.


Although the Walmart Credit Card isn’t the best in the industry, it’s still an excellent choice for people who frequently shop at the retail giant.

If you’re busy and order your things or groceries through their website, then the 5% cashback will prove useful.

If you stay on top of monthly payments, there’ll be no issues.