Apply for a Walmart Credit Card: What is it, Types, Requirements, How to Apply, Advantages, Benefits and MORE

7 minutos de lectura

First of all, for Apply for Walmart Credit Card It is necessary that you take into account each of your requested requirements. Thus, you will be able to have all the benefits that it offers and buy products from this supermarket chain. Also, it is essential to mention that this process is very simple and enjoyable.

In the same way, this company offers you many products and services such as its credit cards. Which are intended to offer benefits to customers who make purchases at the Walmart store. That is why, below, we will tell you what services you have, how to request the card and more.

What is Walmart?

In the first place, we will talk about what Walmart is and then move on to other points that are equally relevant to Apply for Walmart Credit Card. Thus, this is a multinational corporation of American origin stores, which operates chains of discount department stores and warehouse clubs.

This company was founded by Sam Walton in 1962, incorporated on October 31, 1969, and has been listed on the New York Stock Exchange since 1972. In addition, its headquarters are located in Bentonville, Arkansas. Likewise, Walmart’s operations are organized in different divisions.

In this sense, the company does business in nine different retail formats: large distribution stores, supermarkets, general merchandise stores. As well as wineries, membership clubs, apparel stores, discount stores, and restaurants.

Some of Walmart’s divisions are as follows:
  • Walmart Medilivans US
  • Walmart Discount Stores
  • Supercenter
  • Walmart Neighborhood Market
  • Walmart Supermarket
  • Walmart Express
  • Sam’s Club
  • Walmart International

In the same way, Walmart Medilivans Stores US It is the largest division of the company. It consists of three retail formats. Thus, those have become common in the United States: discount stores, hypermarkets and grocery stores.

For their part, Walmart Discount Stores They are discount department stores with sizes ranging from 4738.1 m² to 20,810.3 m², with an average of around 9476.1 m². Also, Walmart Supercenters are hypermarkets with sizes ranging from 9,104.5 m² to 24,247.7 m².

Likewise, it must be said that the stores Walmart Supercenter they have been renamed simply Walmart due to the introduction of the current logo in 2008. Lastly, Sam’s Club is a chain of warehouse clubs that sell groceries and general merchandise, usually in large quantities.

Types of Walmart Credit Cards

Now, since you know what the Walmart company is, it is relevant that you know the services they offer, such as Walmart Credit Cards. That is why, below we indicate what you need to know about each of the types of Card of this supermarket chain.

The Walmart Credit Cards They are intended to offer benefits to customers who make their purchases at the Walmart store. These advantages also apply to other stores in the group, such as Sam’s Club, Suburbia, Bodega Aurrera, Superama and its network of restaurants. There are two types of Walmart credit cards:

  • Walmart Rewards MasterCard
  • Walmart Rewards Card

First, the Walmart Rewards MasterCard is a zero-interest annual rewards card that is intended for those who usually shop at Walmart, especially at its online store. Also, this card is awarded with a credit score from good to excellent.

It is also universally accepted, that is, not only in Walmart stores. The card offers you a 5% discount cash back for purchases you make at Walmart.com; While those you do in physical stores, generate a 2% refund.

For its part, the Walmart Rewards Card is a card with no annual rewards rate, where the money returns. It is also aimed at those who buy at Walmart and have no problems in that the card cannot be used in other stores.

This card, unlike the previous one, can only be used at Walmart, either in their physical stores or in their online store or through the mobile application. It can also be used in Walmart and Murphy USA service stations.

Like its sister card, it offers you a 5% refund for your purchases at Walmart.com or through the app and 2% if you buy in the physical store.

Requirements to Make the Request

In this same sense, once you know what Walmart is and what types of cards they offer, it is just as important that you know the necessary requirements at the time of purchase. Apply for Walmart Credit Card. That is why we will tell you about it below.

The requirements that you must meet to obtain one of the Walmart credit cards are:
  • To be over 18 years old
  • Be a citizen of the United States
  • Provide your personal information, which includes name, date of birth and SSN
  • Provide financial information, basically your employment status, your annual income, types of accounts, your mortgages or rents
  • Provide your contact information, that is, the address of your residence and telephone number
  • Submit the completed and signed application
  • Check minimum income of $ 3,500 per month
  • Have a good record in the Credit Bureau
  • Present a credit card from another institution
  • Check income according to the requested credit limit. This applies to those who do not have a credit history

Regarding the credit score To obtain these cards, we can tell you that the MasterCard requires a score from good to excellent. The Walmart Rewards Card is less demanding, probably a minimum of 580 points will offer you good options.

Similarly, you should know which Capital One will initially evaluate you for the Walmart Rewards MasterCard. If you are not approved for this card, you will automatically be considered for the Walmart Rewards Card.

You will also need to select a language for your statement, whether or not you want online billing, and you will also need to inform whether or not you want to purchase optional credit card protection.

How to make the request?

Thus, at this point in the article, it is necessary to address the step by step that you must follow at the time of Apply for Walmart Credit Card. That is why, it is up to us to tell you that there are four ways to request a credit card, which are:

  • At any Walmart store
  • Through the Walmart website
  • At any Walmart kiosk / jewelry store
  • Through the Walmart mobile app

In the event that you decide to apply at a Walmart store, what you have to do is bring a valid photo ID plus a credit card that you are currently using. The cashier will then enter your information on the screen or scan your credit card to obtain all the initial information.

Then, you will have to answer a series of questions and the application will be sent to you. At this point, your request may be approved instantly, or they ask you to call to provide more information. In the event that you decide to apply at a Walmart kiosk / jewelry store, you must present your identification with a valid photo.

Actually opting for this option is Similary to order at any Walmart store, with the only difference that you will have more time and maybe a little more privacy. Likewise, the easiest and fastest way to apply for a Walmart credit card is through your Web page.

Finally, you can apply through the Walmart mobile app. You just have to download it on your phone, enter and select the credit card option in the main menu. Also, they will ask you to create an account or log in. in your Walmart account. Then you can complete the Walmart credit card application.

Advantages of Credit Cards

Next we will address the advantages that Walmart credit cards offer you
  • 5% refund for your purchases on the official website and through its application.
  • 2% rebate for your purchases at Walmart physical stores and at Walmart and Murphy USA gas pumps.
  • 2% refund for your purchases at any restaurant and on trips, only applies to the MasterCard.
  • 1% refund for your purchases anywhere else, only applies to the MasterCard.

Profits

Now, we are almost at the end of this article, but we cannot leave without first telling you about the benefits offered by the Walmart credit card. Here is everything you need to know. One of these is that the day you get a Walmart credit card, you will receive $ 20 back for any purchase of $ 75 or more.

In addition, you have the percentages of refund that we mentioned in the previous section. Another benefit you have is that as a holder you are entitled to special financing options as well as a free FICO credit score.

As for the exchange, it is exactly what you would expect from a good card. It’s easy and flexible and you can do them at any time and your rewards don’t expire. Specifically, you can change your rewards for the following:
  • Gift cards
  • Credit on your account statement
  • Credit during payment in your online store Walmart.com
  • Travel: you have access to a portal that allows you to make this change, only available to MasterCard cardholders. The value of the change is 1 cent per point

We hope you can Apply for Walmart Credit Card successfully!

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