Walmart is an America-based multinational retail corporation running a chain of supercenters, grocery stores, and department stores across all states of the United States. The company was founded in 1962 in Rogers, Arkansas. In 1969, the company was incorporated in Wilmington, Delaware.
Walmart has grown into an international corporation with operations in Africa, India, China, Mexico, the United States, Canada, and Central America. Walmart also owns the warehouse club chain Sam’s Club, which offers groceries and general merchandise in bulk. Besides, a global eCommerce division of Walmart operating in California provide retailing services for Walmart, Asda, Sam’s Club, and many other international brands.
Walmart is an international company, but the perks and benefits available to the customers in the United States are much more than in any other region. Walmart’s reward programs allow regular shoppers to get discounts and cashback on their purchases at Walmart.
In today’s article, we will discuss Walmart’s Rewards Card, registering, making payments, and accessing customer service from Walmart. So let’s get into it.
What Is Walmart Rewards Card Program?
Walmart’s Rewards card program offers customers a Mastercard that can be used for shopping at Walmart and other places with Mastercard acceptability. Not only the Mastercard, but there is also a Walmart Rewards card that allows shoppers to earn discounts on purchases made at Walmart stores only.

Walmart has collaborated with Capital One bank to issue credit cards to customers. However, a good to excellent credit score is required to get approved for the Walmart Mastercard. If a shopper doesn’t get pre-approval, he is qualified for a Walmart Rewards card, an in-store card for only use at Walmart.
Benefits And Features Of Walmart Credit Card
Here are the benefits and features of the Walmart credit card and Walmart Rewards card:
Walmart Rewards Card
Here are the features of the Walmart Rewards card:
Store Card
It is a closed-loop card that is only accepted at Walmart stores and walmart.com for making purchases. Although you can not use your Walmart Rewards card anywhere except Walmart, the cashback rewards are worth enjoying if you are a regular shopper of Walmart.
No Annual Fee
There is no annual fee or maintenance fee against your Walmart Rewards card. It means that an additional card in your wallet won’t hurt you financially.
Cashback Rewards
If we talk about the cashback rewards, there is a lot when it comes to the Walmart Rewards card. You get the following percentages of cash back on your every purchase with Walmart:
- Get 2% cash back on purchases made at Walmart stores, Murphy USA, and Walmart fuel stations
- Get 5% cash back on purchases made at walmart.com
Welcome Bonus
The customers are also entitled to a welcome bonus of 5% cash back when they make in-store purchases with Walmart Pay. The welcome bonus is valid for the first 12 months after your approval. After 12 months, you will get 2% cash back on in-store purchases made with Walmart Pay.
Walmart Mastercard
Capital One Walmart Rewards Mastercard has the following features:
Cashback and Rewards
You get the following percentages of cash back on your every purchase with Walmart:
- Get 2% cash back on purchases made at Walmart stores, Murphy USA, and Walmart fuel stations
- Get 5% cash back on purchases made at walmart.com
- Get 1% cash back on all purchases made with your Mastercard
- Get 2% cash back on purchases made at restaurants or traveling
Welcome Bonus
The customers are also entitled to a welcome bonus of 5% cash back when they make in-store purchases with Walmart Pay. The welcome bonus is valid for the first 12 months after your approval. After 12 months, you will get 2% cash back on in-store purchases made with Walmart Pay.
No Annual Fee
There is no annual or maintenance fee with your Walmart Mastercard. It means you can enjoy the perks of an all-in-one credit card without additional expense.
Balance Transfer Fee
Capital One charges a bank transfer fee of 3% of the transferred amount.
Variable APR
Capital One charges a variable APR between 17.99% to 27.74% on credit.
Worldwide Acceptability
Capital One Walmart Rewards Mastercard is accepted at all stores with Mastercard acceptability. It means that you can shop with your Walmart Mastercard in any part of the world without paying a foreign transaction fee.
How To Qualify For Walmart Credit Card?
The general criteria to qualify for a Capital One card include a good to excellent credit score. The overall qualification criteria to get approved for Walmart credit cards are as follows:
- Be at or above the age of majority according to the U.S. laws
- Be a citizen or permanent resident of the United States
- Have a physical residential mailing address
- Have a good to excellent credit score to increase your chances of approval
- The proof of income showing your ability to pay the credit card bills
- A low debt-to-income ratio
How To Apply For Walmart Rewards Card?
If you fulfill the certain criteria for Walmart credit cards, here is the application procedure to get your credit card from Capital One:
- Visit the official webpage of Capital One for Walmart Rewards card and Mastercard here.
- After reviewing the information about fees, charges, and perks of credit cards, choose between See if I’m Pre-Approved and Apply Now.
- The first thing you have to do is check if you are pre-approved. Click on See If I’m Pre-approved. It will redirect you to a new page where you have to enter your information. The system will pull your credit report and decide if you are eligible for the credit card. Once you have entered the information in empty fields, click on See if you’re pre-approved.
- Once you get confirmation about your pre-approval, the next step is the formal application. Now go back to the main page of Walmart credit card and click on Apply Now.
*There is no option to choose which card you want to get. By default, every application has proceeded for Mastercard. If a user doesn’t qualify for the Mastercard, his application is automatically considered for a Walmart Rewards card.
- You will be redirected to the application form. It includes first name, last name, date of birth, SSN, citizenship status, residential address, etc. Fill in the empty fields with the information required.
- Once filled in, apply, and you will receive your card within 7 to 10 business days.
Register For Online Access
You will need online access to manage your credit card, billing, notification management, etc. Here is how to register for Capital One online access:
- Visit the official Capital One Walmart card website here and click on Set Up My Account.
- It will redirect you to the next page, where you have to enter your details. It includes personal information. Once entered, click on Get Started.
- Provide your card details and proceed with creating your username and password on the next page.
- Confirm the email address and phone number. You’re good to go!
Activate Your Walmart Credit Card
Once you have received your credit card from Capital One, the next step is to activate your card. Here are two methods to activate your Walmart Rewards card or Walmart Mastercard:
Online
- Visit the sign-in page of the Walmart Capital One account here.
- Click on Sign In & Activate, enter your username and password, and click on log in.
- Once logged in, click on Activate My Card.
- Enter your personal information and complete the activation process.
Via Call
- Call on the customer service number given on the back of your card. The number is as follows: 1-877-965-7848
- Follow the call prompts by pressing 1 > #.
- Provide your information to the customer representative and activate the card.
How To Make Walmart Credit Card Payments?
You can make Walmart credit card payments by following methods:
Online
You can log in to your Capital One account using your credentials. Go to Payments > Make a Payment > enter your payment details(due date, amount, etc.) > enter your banking details(checking account, routing number, etc.) > finish the payment.
Via Phone
You can also pay your bill via phone call. Follow the on-call prompts and pay your bill by providing the details required. The customer service number is as follows: 1-877-294-7880.
At Store
Visit the Walmart store and pay your credit card bill. Go to the customer service desk and ask them to proceed with the credit card payment.
Via Mail
Send your credit card bills via checks or money orders to the mailing address of Capital One. The mailing address is as follows:
Capital One
Attn: Payment Processing
P.O. Box 71083
Charlotte, NC 28272-1083
Customer Service Of Walmart
Phone
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 1-877-294-7880
Alternatively, you can send your credit card-related queries to the mailing address of Capital One:
Capital One
Attn: Payment Processing
P.O. Box 71083
Charlotte, NC 28272-1083