Walmart Credit Card

Picture of Walmart Store Credit Card
138 Reviews
Consumer Rating:


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Average Score:
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Credit Score: 600 Credit Limit: 300 Age: 55-64
Approved 1 month after Bankruptcy
Posted 11/07 2019
Overall Rating:
Bk discharged oct 2019 applied nov 5 2019 approved for 300
I think they just spun the wheel to see whose approved was approved for the master card version. Go figure
 
Credit Score: 522 Credit Limit: 500 Age: 25-34
Posted 10/23 2019
Overall Rating:
Trying to build my credit
 
Credit Score: 650 Credit Limit: 2500 Age: 18-24
Approved -na- after Bankruptcy
Posted 09/18 2019
Overall Rating:
no discuss
 
Credit Score: 573 Credit Limit: 0 Age: 35-44
Approved 6 months after Bankruptcy
Posted 08/17 2019
Overall Rating:
Will let me know in 5-7 days. I am rebuilding my credit after a BK. I have 65k in student debt but all account current and a cap1 card i pay in full each month. I shop at walmart a lot and decided to apply for it instead of for amazon. I will see how it goes.
 
Credit Score: 682 Credit Limit: 0 Age: 45-54
Approved Applied in last 3days after Bankruptcy
Posted 07/10 2019
Overall Rating:
I had medical collections that are dropping because I proved them as fraudulant. I've been doing credit karma and credit sesame. The 3 bureau range from 620 to 682. Been denied for store card again. All trade lines (1 personal loan and 2 comenity store cards) are current with low balances plus have a "paid as agreed" car loan paid off. I own my home and have income over 60k
I cant get this card but know of one person who is unemployed, on welfare, and per her credit karma score, FICO was 505. No income has rent payment, no money to pay for credit but she was approved for $500. Tell me how that makes since! Thankfully comenity does target, I know I will have no issue there.
 
Credit Score: 719 Credit Limit: 500 Age: 45-54
Posted 07/02 2019
Overall Rating:
Applied today since I have an alert on my credit file told me to call which I did with reference number. I was asked a couple of questions and was approved. CL of only $500 but only got this to get gas discount so $500 was more than I spend on gas per month. My Chase has a $16,000 limit and Citicard has $7,500 but gold old Walmart was $500. Lol it’s cool cause like I said only will use for the gas discounts. I never ever ever carry balances because I refuse to pay interest. Always had this policy
 
Credit Score: 853 Credit Limit: 25 Age: 45-54
Posted 06/26 2019
Overall Rating:
It was pretty simple to get! My Transunion was 845 my Experian was 849 and my Equifax was 850! And only had this card now for a few weeks! I don't know why others are having such a hard time getting this card?
 
Credit Score: 750 Credit Limit: 600 Age: 35-44
Posted 06/24 2019
Overall Rating:
I’m convinced there’s something else going on with Walmart CC. I was initially approved for 300 then after being denied for an increase, months later got and increase of $200. I have several Dept store cards with Syncrony and has never had an issue getting new cards or an increase. Walmart has denied every increase I have applied for, for the last year and half. They go by credit report from 6 months back and look at everything on your credit back 5 or more years despite your current.
 
Credit Score: 576 Credit Limit: 0 Age: 35-44
Posted 06/13 2019
Overall Rating:
I worked for Wal-Mart from 2001-2003 between the ages Prime 19 And 21. I was declined for the Wal-Mart card every time I tried to apply. Here it is, sixteen years later, and I've still been declined by them, and my curent employeer, Lowe's (both through Synchrony bank) everytime I apply. What is the required credit score to get one?
 
Credit Score: 786 Credit Limit: 5000 Age: 55-64
Posted 06/01 2019
Overall Rating:
I've read lots of negative feedback on the Walmart credit card. Personally, I don't get it. I've had zero issues with the W.C.C. Credit line increases. Although, I can't say much positive for the prices in their stores.
 
Credit Score: 599 Credit Limit: 0 Age: 55-64
Posted 05/06 2019
Overall Rating:
Is good but we will see if I'm approved lol
 
Credit Score: 591 Credit Limit: 0 Age: 18-24
Posted 04/17 2019
Overall Rating:
Hi everyone is saying Walmart card is easy to get with bad credit I disagree I have applied for there card multiple times only to be declined every time and I have since brought my credit fico score up by almost 20 points and still can’t get there card but have 5 other cards and 3 other charge cards Walmart stinks as far as there credit card goes!!!!!!
 
Credit Score: 0 Credit Limit: 0 Age: 55-64
Approved a year ago after Bankruptcy
Posted 03/26 2019
Overall Rating:
I cant believe how credit Karma and everyone is saying how easy it is to get A Walmart card. I have unsecured bank card with a $700 limit and one with a $1500 limit after filing for chp7 a year ago due to enormous medical bills with no insurance. Unbelievably my credit score is still at all 3 bureaus in the high 6-700's. I received online a letter stating I was denied. Awesome. After thinking it over,Im really glad because I dont need another monthly bill. I need to save instead of spending anyway. Thank you Walmart.
 
Credit Score: 588 Credit Limit: 0 Age: 45-54
Posted 03/10 2019
Overall Rating:
I have a Equifax score of 588, which isn't the highest although perfect payment history on all my credit cards and loans in past 2 years. I was declined for the Walmart credit card online. I wonder how other people are getting approved with lower scores and late payment history!
 
Credit Score: 618 Credit Limit: 200 Age: 35-44
Posted 01/15 2019
Overall Rating:
My Fico8 Transunion score is 618 and this is what Walmart pulled.

My income isn't very high and I have a 90-day late payment from the Summer of 2018 (about 5 months ago). I am now currently up to date on all my debts. I have some debt that I am regularly paying off (my utilization is at about 90%). Obviously, my credit is not very good. BUT I STILL GOT APPROVED!

A few months ago I applied for this card (when my FICO score was in the mid-500s, my debt was much higher, and my "baddies" were far too fresh) and got rejected. I felt at the time that it was hopeless and that I'd never qualify for this card which really bummed me about because this is the store card I wanted most since I shop at Walmart anyway.

I'm grateful for my other store card which is only for online purchases (and which I got only for rebuilding purposes). Sure, I can find something I like there, but nothing that is a necessity. In months where money is tight, I still have to buy groceries and gas, and I can do this with the Walmart card *and* I can be building my credit at the same time.

I'm quite thrilled that I qualified for this. I wish the limit were higher, but after my recent denial, I'm just grateful to be in.
 
Credit Score: 673 Credit Limit: 4000 Age: 18-24
Posted 12/17 2018
Overall Rating:
First I'll start with the positives about Walmart Rewards Mastercard.
1. High credit limit, so you assume it would be reliable for trips.
2. You can pay your credit card bill in store, I was told that it goes straight into your card and there is no 3-5 business day wait for it.
3. You can access all your transactions online with no need to use your phone to call them.
4. 24/7 hr access to their fraud department.
Here are the negatives about having a Walmart Rewards Mastercard.
1. You're not aloud to see your pending transactions online.
2. If you call them inquiring about your pending transactions they will have a hard time taking the time to tell you the transactions that are pending and they will interrupt you and cut you off and use the whole, "poor me, I gotta work!?" attitude, also they won't transfer you to someone that can actually help you.
3. You can't get a list of your transactions or pending transactions in store.
4. If you put money on your card in store, it does not go in right away it takes 3-5 business days.
5. If you call the fraud department on a Sunday night about a suspected fraud they will tell you that they can't help you with that and to call back in the morning.


The only other credit card I've had was from Capital One.
1. You can review your purchases, as they are being made online, or from their mobile app.
2. They have round the clock customer service.
3. If they suspect their is a fraud they will contact you personally.
4. They are also a great start to building your credit.
 
Credit Score: 650 Credit Limit: 400 Age: 25-34
Posted 12/15 2018
Overall Rating:
I was just approved for this card at the end of November with a 400 SL. I applied online and they pulled my TransUnion (I’m in NC) and my vantage score (from CK) was maybe around 650?
 
Credit Score: 607 Credit Limit: 576 Age: 25-34
Approved No after Bankruptcy
Posted 12/13 2018
Overall Rating:
Working
 
Credit Score: 650 Credit Limit: 0 Age: 35-44
Posted 12/07 2018
Overall Rating:
Was denied for the store card with 650 credit score. Not sure why especially when i see others get approved with far lower scores than mine.
 
Credit Score: 648 Credit Limit: 200 Age: 45-54
Approved 4years after Bankruptcy
Posted 12/03 2018
Overall Rating:
I have a Walmart store credit card for 200. I use it, and of course, pay it off within 30 days. I've had the card for about 8 months. I decided to ask for an increase, but was denied. If Discover approved me for credit, who in the hell does Walmart think they are? I will never use my card again!!!
 
Credit Score: 660 Credit Limit: 200 Age: 65+
Posted 11/28 2018
Overall Rating:
Hello, my EX 657 TU 660 EQ 653 I was approved and I am thankful. I did not want a dead inquiry on my my file.
I was only given 200 limit. I do have 2 closed First Premier accounts that were paid off. I also have 2 capital
One credit cards. My mortgage is A1 no lates on my credit cards. I will use this card and pay it off with in the
same week. I need higher limits to move me to the 720 score and higher. I have filed BK in the past but it is
discharged and not on my record (over 10 years so I said no to the question).
 
Credit Score: 620 Credit Limit: 200 Age: 45-54
Approved 9 years after Bankruptcy
Posted 11/12 2018
Overall Rating:
I was rebuilding my credit after some bad financial times. This card is amazing-always there when I'm in a crunch.
 
Credit Score: 668 Credit Limit: 0 Age: 35-44
Posted 11/02 2018
Overall Rating:
I was denied with a credit score of 668. The hard pull dropped my credit several points instantaneously (so that was nice). I have no debt (except a student loan which is not in arrears). I have no negative marks on my credit. Still denied. Denied for... WALMART... Fabulous.
 
Credit Score: 698 Credit Limit: 0 Age: 25-34
Posted 09/25 2018
Overall Rating:
declined, ya i dont want your stupid card anyways they just keep convincing me to apply at the check-out
 
Credit Score: 810 Credit Limit: 700 Age: 55-64
Posted 09/15 2018
Overall Rating:
810
 
Credit Score: 598 Credit Limit: 0 Age: 35-44
Posted 08/21 2018
Overall Rating:
Thank you for applying for the Walmart Credit Card. You will receive a decision on your application by mail within 7-10 days. If you have provided us with a valid email address, you may receive a response by email within 3-4 days

I guess I'm not approved.
 
Credit Score: 600 Credit Limit: 0 Age: 35-44
Posted 08/02 2018
Overall Rating:
Applied online today, have been rebuilding my credit and I didn't get an instant approval so I'm assuming that means I will be denied. I really hope not I shop at Walmart all the time and this would be great to help bring my score up.
 
Credit Score: 678 Credit Limit: 7500 Age: 35-44
Posted 07/14 2018
Overall Rating:
my credit scores 678 .I got walmart master card credit limit 7500 dollar.very good card. thanks walmart team.
 
Credit Score: 0 Credit Limit: 6300 Age: 45-54
Posted 05/08 2018
Overall Rating:
I was approved for a low limit of 400.00 for the store card. I was switched over to the Master Card after about 6 months i think and i get increases every few months i was just at 4400.00 last month. I went to pay my bill tonight and i am now at 6300.00 I have never asked for an increase they are all auto increase. I don't think I have had the card 2 years yet so for increases it's great but the interest is a bit too high i use it mostly for groceries and pay it off... I rated CS 3 stars i have never used them but i had to rate and i am pretty sure i would be accurate in this rating..
 
Credit Score: 677 Credit Limit: 100 Age: 45-54
Posted 03/29 2018
Overall Rating:

WM/SAMS CC's SUCK , and so does SYNCHRONY banks suck as well. I have a $100 limit with WM .
I am a responsible CC user, sometime my balances are high, some times I pay %100, zero balance. I USE MY CARDS, is not that why we have them ?
I have a 677, great debt to income ratio, no BK, nothing, no puke on my credit. Not perfect credit (which NO ONE has), but responsible use of my cards and credit overall.I would like to mention that I have %100 payment on time history, no over credit limit...NOTHING NEGATIVE
About 2 weeks ago, I get a letter fro SYN bank and WM card account , stating that my credit limit has been reduced to $100...WTF is that all about ? The reason ? stated in the letter " to much use of credit, high balance," OH MAN I AM PISSED OFF.
After a call to WM service ( which was an excellent and professional call) I cancelled that wonderful WM and SAM's Card. I will still shop there, it because ma and pa store are not open at 2am and have ready made pizza.
That letter from SYN and WM, just finished my credit life.
I am trading ALL of my CC's in for CASH, I will NOT pay for some company VIP to take a 2 week cruise on my hard earned money.
I will never wait for a dreaded 7-10 letter telling me how bad of a consumer I am.
With that said, I think SYN bank is a criminal and from this point on, I will have my cash in a jar or in a STOCK.
Good luck to all, I hope this motivates the people whos lifes are owned by CC companys...
 
Credit Score: 530 Credit Limit: 500 Age: 55-64
Posted 08/25 2017
Overall Rating:
530
500
 
Credit Score: 653 Credit Limit: 0 Age: 45-54
Posted 07/30 2017
Overall Rating:
I was just denied with credit scores of 653 (exp), 667 (efx), and 738 (tu). I don't know why anyone would apply here to build credit if they don't approve applications with those scores. Seems pointless. By the looks of the reviews, I guess I should be grateful. Also worth mentioning... I was approved for a CapitalOne credit card.
 
Credit Score: 598 Credit Limit: 200 Age: 35-44
Posted 07/21 2017
Overall Rating:
I just got my approval. Being that I have capital one with 1000.00 limit and a 1st financial for 600, I am upset about this 200.00
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 07/14 2017
Overall Rating:
I had a Walmart credit card for 40 years which was Montgomery wards and sold out to walmart. My credit limit was $3000 with 780 fico. Became ill and wasn't able to work and forced into BK. Now the BK was discharged Dec 2017. My scores are jumping all over the place. C Karma has me at 730 fico. Others 691, 696. Cap one 691, and some at 596 & 609 etc. It is hard to tell what form they will use I really want my Walmart card back. I never had a late payment in 40 years until the BK. Now my income is less retired with #3900 per month. Do you think Will Walmart deny me now if I apply?
 
Credit Score: 596 Credit Limit: 0 Age: 25-34
Posted 07/11 2017
Overall Rating:
Received the dreaded 7-10 letter in the mail notice.
 
Credit Score: 620 Credit Limit: 1900 Age: 55-64
Posted 06/23 2017
Overall Rating:
Make 100K a year, no late payments on anything! Applied for increase, incredibly I think I was denied...if I get rejection letter, I am cancelling card, will never shop at Walmart again!
 
Credit Score: 0 Credit Limit: 1400 Age: 45-54
Approved 5 after Bankruptcy
Posted 05/24 2017
Overall Rating:
Credit card was immediately decreased due to non usage without my knowledge. From 1400 to 700. When I contacted them they said they sent a letter out 2 weeks ago. Then all of a sudden after contacting them I get sent a letter in the mail two days later. Cancelled my card, My husbands and my parents. 4 cards total. No need for a lousy 700 credit limit to offset any of our credit scores.
 
Credit Score: 630 Credit Limit: 4000 Age: 25-34
Posted 05/23 2017
Overall Rating:
Great card, I use it frequently. It is very easy to get credit limit increases, even monthly, the card is easy to use. My payments always process on time and the website is easy to use. I really wish that they would upgrade me to the MasterCard, hopefully this year. I would recommend this card to everyone.
 
Credit Score: 654 Credit Limit: 1700 Age: 45-54
Approved 5 yrs after Bankruptcy
Posted 05/08 2017
Overall Rating:
This card is awesome and I use it for everything from gas, groceries, pharmacy is wonderful! I love this card.
 
Credit Score: 628 Credit Limit: 500 Age: 35-44
Posted 04/27 2017
Overall Rating:
I always gotta find a way.. Walmart is always there for me. I thank you :)
 
Credit Score: 600 Credit Limit: 1 Age: 55-64
Approved 5/12 Years after Bankruptcy
Posted 04/23 2017
Overall Rating:
Tires, Clothes
 
Credit Score: 807 Credit Limit: 5500 Age: 55-64
Posted 03/28 2017
Overall Rating:
it's a walmart card.
interest is high if you carry a balance--so try not to carry a balance for long.
received my card about 7 years ago when my fico score was around 590.
approved for (i think) a $300.00 credit limit.
things have significantly improved since then but "wally"was there when i needed a store card.
the walmart card is a good little card to have.
 
Credit Score: 697 Credit Limit: 5300 Age: 55-64
Posted 02/08 2017
Overall Rating:
I've had the card for over 7 years now. I use it for basically everything. My credit limit was originally approved at $700. I have never had a late payment, usually keep the balance at zero or close to it. Several members of my family use my account quite often. As long as they pay on time I don't mind and neither does Walmart. I love the Walmart stores and the credit card. Just received a letter stating that they will be changing my account to a Walmart Mastercard. So far I have absolutely no complaints.
 
Credit Score: 600 Credit Limit: 500 Age: 35-44
Posted 01/08 2017
Overall Rating:
Since I shop at Walmart a lot, I mean a whole lot. I was like why not. I'm in the process or rebuilding my credit. I have 2 cap1 cards one $1,100 cl and the other for 850. Also have a cap1 car loan and a few installment loans and revolving line of credit. My cs is 600. Just got approved for the card last night while picking up a few Texans items. Playoffs baby!!!!
 
Credit Score: 627 Credit Limit: 0 Age: 18-24
Posted 01/05 2017
Overall Rating:
I applied a couple weeks ago and was denied due to low credit score of 400 but my credit score is 627. Has anyone else had this problem??
 
Credit Score: 529 Credit Limit: 700 Age: 35-44
Posted 12/27 2016
Overall Rating:
Card used for store purchase only. Very easy to get approved.
 
Credit Score: 0 Credit Limit: 0 Age: 35-44
Posted 12/08 2016
Overall Rating:
Can anyone tell me how long it took to receive your Walmart Mastercard by mail after applying? I applied on Nov. 30. Many thanks!
 
Credit Score: 628 Credit Limit: 500 Age: 45-54
Posted 12/07 2016
Overall Rating:
I applied a couple times always denied... I first tried I was below 500 credit score... now I have worked hard and in 6 months am at 628 I want to try again as my other cards are both secured - but I am afraid of the hit on my score for trying and being denied again ==== I see others with far lower scores being approved.... I know theres more to it than that but shouldn't be so difficult.. much of whats on my report are medicals from being uninsured.... and unemployed... they really should make it easier for second chances
 
Credit Score: 650 Credit Limit: 1100 Age: 25-34
Posted 12/04 2016
Overall Rating:
My score was about 650 when I applied for card and got approved for $1100 credit limit. Got 15% of first purchase, which you have to do at time of getting approved. Then I got a$10 Walmart gift card for using it on Walmart pay for first time.
 
Credit Score: 718 Credit Limit: 1800 Age: 35-44
Posted 11/25 2016
Overall Rating:
I got back from 8yrs over seas last month early oct. My score was 584 with no active accounts only one closed cc account in good standing. I applied for cap one got the quicksilver 10/18/16 instant for $300. Used $250 from the limit and paid it off bfore cycle closed on 11/16/16. After they report to the cra on 11/19/16 my credit score jump to 718tu, eq699, ex701. So i took a shot at walmart with my fingers crossed well not approved further processing. I called immediately and had to verify phone and identity bam!! Got the wal mastercard $1800. Also applied same day chase slate instantly $3200, wells fargo instantly $2500. Very happy and excited good luck to all
 
Credit Score: 676 Credit Limit: 1400 Age: 35-44
Posted 11/24 2016
Overall Rating:
676 exp 558 tu equifax 628 approved for $1400 after getting message saying unable to give decision at this time as we require additional info please call with ref number.
 
Credit Score: 728 Credit Limit: 3000 Age: 25-34
Posted 11/20 2016
Overall Rating:
I just applied and was instantly approved for 3000. I was hesitant at first after reading multiple negative reviews about approval odds and requirements, however decided to pull the trigger and got approved for the Walmart MasterCard.
Credit info trans:728 equi:675 exp:714.
 
Credit Score: 632 Credit Limit: 1400 Age: 45-54
Posted 11/17 2016
Overall Rating:
My credit score is now 716 thanks to that card
 
Credit Score: 650 Credit Limit: 4000 Age: 45-54
Posted 11/14 2016
Overall Rating:
Have had several credit line increases; you can also get cash back when needed up to limits; Outstanding card.
 
Credit Score: 683 Credit Limit: 1200 Age: 35-44
Posted 11/09 2016
Overall Rating:
I applied online and got instant approval in the amount of $1200 cl. My issue is y did i not get the mastercard? I have several credit cards with high cl so this has me baffled.
 
Credit Score: 764 Credit Limit: 2200 Age: 35-44
Posted 09/07 2016
Overall Rating:
I it very nice to raise your credit from 650 to 750 then it is not that easy to go further more,
overall perfect card
 
Credit Score: 685 Credit Limit: 700 Age: 25-34
Posted 08/15 2016
Overall Rating:
Not bad actually....but the comprehension behind customer service....I don't know
 
Credit Score: 667 Credit Limit: 0 Age: 18-24
Posted 08/13 2016
Overall Rating:
I have a 667 credit score and I was denied for Walmart credit card. I have 4 credit cards through other places. Capital one, chase, etc. way to go Walmart.
 
Credit Score: 714 Credit Limit: 500 Age: 25-34
Posted 08/04 2016
Overall Rating:
TU: 691 Equifax: 621 TU: 719
 
Credit Score: 590 Credit Limit: 0 Age: 35-44
Posted 07/21 2016
Overall Rating:
I have had this card since December of 2015. I applied when purchasing a gift for Christmas. I was instantly approved for $300. I have paid on time every month and most months before my payment is actually due. I have even paid it off in full twice since having it. I have requested a credit limit increase several times and have been denied. I know that I do not have a great score, but my payment history is excellent. I had some financial problems arise when the economy crashed so I do have some dings on my credit. Mostly medical bills though. I am very disappointed that they refuse to increase the credit limit.
 
Credit Score: 731 Credit Limit: 4900 Age: 35-44
Posted 07/18 2016
Overall Rating:
When I applied for this card my credit was new. They gave me the card with a temporary 1500 $ balance and when I received my card it was actually a 3500 balance. I used this card to make a large purchase with our new home and continued to use it here and there. About 3 weeks after getting the card they raised the cl to 4900$ I'm sorry but I'm reading horrible reviews. Yes this card has a high apr but you knew that when you signed up.... Pay your bills on time and you won't have any problems.
 
Credit Score: 581 Credit Limit: 900 Age: 18-24
Posted 06/28 2016
Overall Rating:
When I applied, my credit score was 581 (young credit history). I was approved on first try with a CL of $900. The approval and CL bumped my score up to 668.
 
Credit Score: 689 Credit Limit: 0 Age: 35-44
Posted 06/16 2016
Overall Rating:
Applied for the store credit card 3x got denied last year. Just applied again today got approved for the WM Mastercard $3000 cl
 
Credit Score: 720 Credit Limit: 1000 Age: 45-54
Posted 06/10 2016
Overall Rating:
I applied online and got approved for 1000 CL my credit score is about 720
 
Credit Score: 0 Credit Limit: 400 Age: 35-44
Posted 05/09 2016
Overall Rating:
Got approved for Walmart credit card a year ago with 400 limit at the time my credit In all 3 bureaus was around 540. So I have gone up about 100 points since the and Walmart refuses to increase CL is sucks specially when I have 5 other major credit cards that started at 300 and I am not at $3K very frustratin
 
Credit Score: 630 Credit Limit: 150 Age: 35-44
Posted 05/05 2016
Overall Rating:
I had a good credit score, but I had no credit history. I had no credit reports over the last few years and they gave me a chance. I just would like a higher limit.
 
Credit Score: 601 Credit Limit: 500 Age: 35-44
Posted 04/26 2016
Overall Rating:
I applied not expecting much. I just got approved on a Target card so I thought I would give Walmart a try. $500. Not bad considering 1 year ago the only cards I could get approved on were secure cards. I started rebuilding my credit about 2 years ago with a $200 Capitol One card. Now I have a revolving credit of $20,000. Lots of work in 2 years but if you're patient and pay ON TIME ALL THE TIME the credit card companies will notice. I get pre-approval letters every week now. I'm becoming a little more picky on which Credit Cards I apply for.
 
Credit Score: 0 Credit Limit: 0 Age: 55-64
Approved 2009 after Bankruptcy
Posted 04/05 2016
Overall Rating:
Fico score is 636 and was approved for 1200. Two months ago I was denied for same walmart card. I have 9 collections from 2008-after a messy divorce and working on rebuilding. Quicksilver card 500.,Matrix card 500, Victoria secret 300,Express 300, Bryant Lane 250, BC outlet 250, Care credit 800,Amazon 800. Card that is interest crazy is Matrix. Not worth getting but I thank them for giving me a start to improve my credit. I started with a 300 limit from fingerhut and had my dad put me on as a authorized buyer on his wells fargo. Jumped up score quickly
 
Credit Score: 671 Credit Limit: 900 Age: 25-34
Posted 03/31 2016
Overall Rating:
Applied many times before and got denied. Finally got approved last week for $900! Was surprised.wish it were easier to pay my bill though.
 
Credit Score: 0 Credit Limit: 0 Age: 25-34
Posted 03/30 2016
Overall Rating:
i have credit score of 586 ex 715 eq 675 tra still got denied
 
Credit Score: 625 Credit Limit: 250 Age: 35-44
Posted 03/27 2016
Overall Rating:
Approved for this card after raising my credit score 50 points in 2 months. Low CL but you gotta start somewhere.
 
Credit Score: 646 Credit Limit: 1200 Age: 35-44
Posted 03/21 2016
Overall Rating:
Equifax 646 / Credit Karma Avg 674
Walmart gave me $1,200
 
Credit Score: 623 Credit Limit: 150 Age: 35-44
Posted 03/17 2016
Overall Rating:
I am currently rebuilding my credit so I decided to take a chance and apply after reading the reviews on this site. Got approved but thought it would be for a higher limit. Oh well, it's better than being denied! Will make a small purchase every month maximum $20 and see when they'll increase my credit.
 
Credit Score: 620 Credit Limit: 900 Age: 35-44
Posted 03/09 2016
Overall Rating:
Approved after being denied a few months before. They pulled Experian which is the lowest of my scores. 3 medical collections, short history but I have several cards, low utilization 4% and a commercial loan open.
 
Credit Score: 684 Credit Limit: 900 Age: 35-44
Posted 03/07 2016
Overall Rating:
I applied in the store. I thought it was a the mastercard. Kind of mad when the store card came in the mail today. Granted I shop at Walmart alot, my little name for it is the devil..How can I go about getting the mastercard not store card? Will call customer service tomorrow.
 
Credit Score: 680 Credit Limit: 0 Age: 45-54
Posted 02/02 2016
Overall Rating:
After 3 tries I finally got the Walmart Mastercard
 
Credit Score: 608 Credit Limit: 300 Age: 18-24
Posted 01/27 2016
Overall Rating:
Applied for the walmart store card after being denied for a discover student card. (They sent me a pre approved offer. Im in school full time. I work part time and I have good grades If I didnt qualify who does??) Anyway got approved for the in store card. 19 yr old, 608 score, 300 limit. It arrived in the mail about 9 days later. I have so far been satisfied. It is what it is. I stay below 20% of the limit and it has bumped my score up to 625 in 3 months.
 
Credit Score: 681 Credit Limit: 8000 Age: 35-44
Posted 01/18 2016
Overall Rating:
Applied for card in October 2015 after applying for Amazon Prime Card. Got instant approval for $1600 for the Walmart Mastercard not store card. Waited two months made on time payments which were triple the minimum payment due, called in december 2015 asked for increase to $10k countered back at $8k and this was while i was on an app spree and got approved for 5 more cards in one month all from sycnhrony bank and got all those increased a couple months later. Calling customer service is pointless have to call credit solutions they will do everything they can to help you. FYI started my rebuilding in April 2015 with a Cap 1 Platinum with a $300 credit limit. Now its January 2016 and I have over $38K in credit from all credit cards. Call Credit Solutions they will help believe me
 
Credit Score: 584 Credit Limit: 500 Age: 25-34
Posted 12/24 2015
Overall Rating:
I have a Captial One, JC Penney and PayPal credit line, each with a $300 limit, but Wal-Mart approved me for $500.
 
Credit Score: 610 Credit Limit: 150 Age: 35-44
Posted 12/13 2015
Overall Rating:
transunion credit karma 610 eqifax 582 credit karma and experian actual is 593 applied same day 12-10 got this and American eagle card with same above score with 150 limit there to. Rebuilding and getting better
 
Credit Score: 671 Credit Limit: 1100 Age: 35-44
Posted 12/12 2015
Overall Rating:
Applied for $35.00 off my order, thanks for the free Christmas money!
 
Credit Score: 0 Credit Limit: 0 Age: 45-54
Posted 11/24 2015
Overall Rating:
I've had this card for a year timely payments no line increase. My advice just pay in full and don't use it!
 
Credit Score: 578 Credit Limit: 800 Age: 35-44
Posted 11/24 2015
Overall Rating:
I have $2550 in cards spread out. I read several reviews on this site & it seemed like it was a hit or miss on getting the card. Just went in the store to apply & was instantly approved for a $800 limit. Right on!
 
Credit Score: 633 Credit Limit: 0 Age: 25-34
Approved 2 yrs after Bankruptcy
Posted 11/22 2015
Overall Rating:
I apply for Kohls,instanly was approved,and then Walmart denied me,I have other cards that Ive been on time with my payments.Dont understand what Walmart looking for far as credit to get approved.
 
Credit Score: 573 Credit Limit: 0 Age: 45-54
Posted 11/21 2015
Overall Rating:
I have a credit limit of 573 , like others a few things on my credit record from the past . Hopefully they will approve me , I have 2 capital one cards and a bank of America visa . would be the 1st store account and a help in rebuilding my credit .
 
Credit Score: 701 Credit Limit: 900 Age: 18-24
Posted 11/19 2015
Overall Rating:
I wanted to finance tires and applied for this card. I got an instant approval with $900 for the MasterCard with only a year of credit history. I got 6 months no interest with my purchase. I have a bike loan out of which I financed $2000 at my credit union. My current balance is $850. The only other credit I have is my Bank of America credit card that has a limit of $700 and a balance of $400. I was surprised I got approved because I have little credit that's only about a years worth of history.
 
Credit Score: 619 Credit Limit: 0 Age: 35-44
Posted 11/16 2015
Overall Rating:
Applied for Walmart card three years in a row and each time I have been denied. I have two other cards from Synchrony Bank to which I was approved instantly. I notice there are others approved with lower credit scores.
 
Credit Score: 706 Credit Limit: 1800 Age: 35-44
Posted 11/15 2015
Overall Rating:
Oldest credit line is at 6-7 months, have around $4500 total credit line spread between 3 other cards, applied for this and was approved for the Walmart Mastercard (not the store card) instantly at $1800 limit.
 
Credit Score: 794 Credit Limit: 794 Age: 25-34
Posted 11/14 2015
Overall Rating:
MY Credit Score is 794 i would a 1000 gift card
 
Credit Score: 726 Credit Limit: 250 Age: 25-34
Posted 11/14 2015
Overall Rating:
$733.00
 
Credit Score: 595 Credit Limit: 500 Age: 45-54
Posted 11/13 2015
Overall Rating:
I have one credit card with a $500 limit with no payments behind and also just got a Brinks prepaid debit card to use for internet purchases and for safety within itself. I'm very good at paying my bills just need a second chance to prove it as Merrick bank has giving me the first opportunity
 
Credit Score: 620 Credit Limit: 0 Age: 25-34
Posted 11/08 2015
Overall Rating:
Denied 3xs now.
 
Credit Score: 0 Credit Limit: 0 Age: 55-64
Posted 10/31 2015
Overall Rating:
I only applied because I heard it was easy to get a store card. I was denied, but I'm going to try to get a recon by asking for a store card for $150. I have some bad items on my credit, but they are several years ago, and my scores have been improving greatly as things drop off. If I can't get a store card, I guess I'll have to go with a secured card. Now I'm sort of angry because this will ding my scores and I make it harder to get a secured card.
 
Credit Score: 0 Credit Limit: 0 Age: 45-54
Posted 10/28 2015
Overall Rating:
I applied for the Walmart credit card and was denied I have two bank cards Capital one 500 and credit one 600 limit I also have a Macys card 300 limit but I wanted a Walmart card since I shop there weekly and I was denied. I think that Walmart sucks and I will not apply with them again, oh my credit score is 673 to the dogs with Walmart.
 
Credit Score: 645 Credit Limit: 0 Age: 55-64
Posted 10/26 2015
Overall Rating:
I don't understand why Walmart will not give me a credit card, I just applied again and I was denied it's been one year since my chapter-7 was cleared. My credit score is like 630-640 I make enough money $50,000 a year don't have but one credit
card and car note.
 
Credit Score: 0 Credit Limit: 21000 Age: 18-24
Posted 10/16 2015
Overall Rating:
I am not a fan of the Walmart credit card customer service team. They made fun of my last name and were shameless about it. Forget about speaking to a supervisor.
 
Credit Score: 629 Credit Limit: 1200 Age: 25-34
Posted 10/10 2015
Overall Rating:
I screwed up my credit when I was 21, and I have been working on rebuilding it for the last 18 months. I have a Jareds card with a CL of 6k, a Capital 1 platinum $500, Capital 1 quicksilver $300 both unsecured. I also have a belk card at $500, and amazon card at $800. I applied for the Walmart card after I recieved a pre-approval in the mail. I got instant approval for $500, and 5 months later they raised my CL to $1200. My score has risen about 3 points every month even with the credit inquiries!!! I think my credit profile in diverse enough that I can stop applying and just ride out the Credit limit increases now!
 
Credit Score: 650 Credit Limit: 500 Age: 25-34
Posted 10/09 2015
Overall Rating:
was approved on the spot great card due to me buying groceries here. using to help bulid credit generous credit limit for my credit score
 
Credit Score: 0 Credit Limit: 500 Age: 45-54
Posted 09/23 2015
Overall Rating:
Good card to have, never had any problems or issues.
 
Credit Score: 634 Credit Limit: 700 Age: 35-44
Approved 2 years ago after Bankruptcy
Posted 09/13 2015
Overall Rating:
I was just approved online for $700.00. I currently have a credit score of 634 Experian and 620 with Transunion. The following is my credit background:

BK Chp 7 - discharged 2013
Two fairly new personal loans, each $2,000.00
First Premier Credit Card; Merrick Bank Credit Card and Capital Card - all cards are a few hundreds of dollars of being maxed out, but I pay on time every month and try to pay at least double the minimum payment. It should be noted that I have stopped using the first two cards for several months now until I lower the balances.
 
Credit Score: 631 Credit Limit: 0 Age: 25-34
Posted 09/08 2015
Overall Rating:
So tired of this crap.have a 631 TU score and got the you will recieve a decision in the mail in 7-10 days.so over this credit crap.i give up.guess im just doomed to credit hell.
 
Credit Score: 0 Credit Limit: 2000 Age: 45-54
Posted 08/30 2015
Overall Rating:
Pc
 
Credit Score: 0 Credit Limit: 500 Age: 25-34
Posted 08/22 2015
Overall Rating:
Im rebuilding my credit. I applied for the walmart card 6 months ago and was denied. I already have Kemba CC 4000 limit it started out as a secured Cc for 2000. I have 2 cap 1 CC 750 limit and 800 limit and just got Merrick Bank 600 limit 30 days ago. I've been monitoring my score through Experian and Transunion so when I reached 600 last week I got a oldnavy CC by accident I just went in the store to by clothes they approved me for 300 but I really wanted the walmart CC since I'm in there almost everyday. Well got it today 500.00 limit with a 601 score. The benefits of no intrest is awesome since I usually don't carry high balances but the more you spend with this card the longer they give you 0 percent no intrest. So we will see.
 
Credit Score: 651 Credit Limit: 600 Age: 25-34
Posted 08/15 2015
Overall Rating:
Hello, I read a lot of the reviews on this site. I've been trying to establish different credit profile and found that I didn't have any retail credit. So I decided to try it and I was approved for $600.00 I just kept the rating a neutral thing at this time. Until I see how things go. Thank you to everyone for your posts.
 
Credit Score: 576 Credit Limit: 0 Age: 18-24
Posted 08/03 2015
Overall Rating:
Experience 576,TU 574
I got the, "We will send you a letter in 7-10 business days. So needless to say, that's definitely a denial. Especially since their site advertised instant decision.
 
Credit Score: 619 Credit Limit: 1200 Age: 25-34
Posted 07/27 2015
Overall Rating:
Just applied and was instantly approved for $1200 (plus $25 off $75 order made on same day). And that's after applying with Capital One about an hour before (approved for Quicksilver with $500 CL). I already had a Capital One Secured Card w/$800 CL and an auto loan w/$11,800 balance.

Credit Karma Scores: 628 TU, 641 EQ
Capital One Credit Tracker Score: 619
 
Credit Score: 666 Credit Limit: 900 Age: 35-44
Posted 07/10 2015
Overall Rating:
cap one- 1500 cap one 2000. Barclay card 1300 and also a discover IT card 1500

No balances on any of the above
 
Credit Score: 650 Credit Limit: 500 Age: 45-54
Posted 07/01 2015
Overall Rating:
nice card to have if you shop at walmart alot. starting over on my credit also have capone quicksilver love that card capone platnum credit score 650
 
Credit Score: 656 Credit Limit: 700 Age: 45-54
Posted 06/29 2015
Overall Rating:
Great card to have as I do shop at Walmart. I really like the 0% for larger purchases.
 
Credit Score: 677 Credit Limit: 1200 Age: 25-34
Posted 06/27 2015
Overall Rating:
Good Card
 
Credit Score: 629 Credit Limit: 0 Age: 35-44
Posted 06/20 2015
Overall Rating:
First applied last year was denied! Just applied and I guess its safe to say Denied since I wasn't instantly approved:(Said I need to wait 7-10 days for decision by mail
No luck with Walmart
 
Credit Score: 639 Credit Limit: 0 Age: 35-44
Posted 06/13 2015
Overall Rating:
Applied two days ago, credit score is 639 was denied.
 
Credit Score: 657 Credit Limit: 800 Age: 55-64
Posted 05/14 2015
Overall Rating:
Went through a divorce ten years ago and my credit went down the tubes. 13 months ago I had no credit. Capital One gave me $300 unsecured (it's now $2500), was approved for a new car loan, Another Capital One card in January ($500 CL), Fingerhut card in January ($700, now $1100 CL), $1K CU card, and I took a chance and was approved for a WM card($800 CL). I'll ride it out Dow a few months and apply for more. Any suggestions?
 
Credit Score: 0 Credit Limit: 0 Age: 25-34
Posted 05/13 2015
Overall Rating:
Nicky, it makes no difference if you apply in store or online. The application processes are the same. It's just that we (I am an employee of Wal-Mart) process the application by a cash register if you're interested as a convenience. Your credit history (how many lines of credit you've paid/how many monthly payments you've made), income vs. living expenses (rent/mortgage), and your FICO score (I believe, but not 100% sure) are what determine if you can get approved. I've seen people as young as 18 get approved, so if you're responsible, it will pay off. Also, two good benefits to this card would be the free FICO score access when you enroll in EBilling (You can check it for free without it damaging your credit, and FICO score is a huge factor in credit decisions) and the interest free promotions should you spend a lot. Basically, the interest free financing saves you literally hundreds of dollars by eliminating interest charges. Everyone has their opinions of WalMart, but they do have a good credit card.
 
Credit Score: 640 Credit Limit: 2000 Age: 35-44
Posted 05/02 2015
Overall Rating:
AMAZONA CARD $600 BALANCE PAID OFF CAPITAL ONE $300 BALANCE PAID OFF THATS ALL MY DEBT!!
 
Credit Score: 637 Credit Limit: 300 Age: 25-34
Posted 04/23 2015
Overall Rating:
I have been on a card getting rampage the last month I got a quicksilver, and platinum classic from cap one. Then I applied for discover and was denied I won't go back! Well today I did a Walmart app got a $300 limit I will request higher as that's all I ever need there but I want my usage at a cool 20%. I hope it works, they took a chance on me so I won't let them down. Bye Brookshire and hello Walmart! One more financial step closer to buying a mass amount of acreage.
 
Credit Score: 613 Credit Limit: 0 Age: 25-34
Posted 04/21 2015
Overall Rating:
Can anyone tell me if it's better to apply in store or online??
 
Credit Score: 654 Credit Limit: 400 Age: 18-24
Posted 04/09 2015
Overall Rating:
Tu fico was 654 was only given $400(due to applying for HOME DEPOT CONSUMER CARD day before the Wal-Mart application) after one month of the billing cycle I requested a limit increase immediately approved for $1500.
 
Credit Score: 627 Credit Limit: 300 Age: 35-44
Posted 03/22 2015
Overall Rating:
Been rebuilding for the last year. Thought this was one of the cards that the shopping cart trick works on, but it's not. Bit the bullet and applied!! Two instant credit approvals in one week!!
 
Credit Score: 640 Credit Limit: 800 Age: 18-24
Approved 7 after Bankruptcy
Posted 03/08 2015
Overall Rating:
one of the first creditors to approve me for a credit card
 
Credit Score: 693 Credit Limit: 0 Age: 35-44
Posted 03/06 2015
Overall Rating:
I got denied
 
Credit Score: 569 Credit Limit: 600 Age: 35-44
Posted 03/04 2015
Overall Rating:
Unable to rate benefits, cs as I just received the
Card.
 
Credit Score: 628 Credit Limit: 800 Age: 25-34
Approved 1 Year 4 Months after Bankruptcy
Posted 10/25 2014
Overall Rating:
Filed BK June 2013 applied once 6 months ago denied received pre approval letter applied instant approval 800 have couple credit cards car loan I have been very agressive to rebuild my credit and it has paid off My car right after BK was 24 refinanced to 19 now down to 11 :)
 
Credit Score: 650 Credit Limit: 3500 Age: 18-24
Posted 10/05 2014
Overall Rating:
Applied for the walmart discover but only approved for this version. Hope to get the discover card about a year down the road.
 
Credit Score: 581 Credit Limit: 400 Age: 45-54
Approved 4 years after Bankruptcy
Posted 08/10 2014
Overall Rating:
I am in the rebuilding phase after a lengthy illness. I have Capital One secured and unsecured cards. Also a retail card and two other bank cards. I am excited to get this card.
 
Credit Score: 581 Credit Limit: 400 Age: 45-54
Approved 4 years after Bankruptcy
Posted 08/10 2014
Overall Rating:
I am in the rebuilding phase after a lengthy illness. I have Capital One secured and unsecured cards. Also a retail card and two other bank cards. I am excited to get this card.
 
Credit Score: 589 Credit Limit: 300 Age: 25-34
Posted 01/04 2014
Overall Rating:
Had a 589 score when I got approved. At the same time, I also had the Credit One and a Cap One secured ($300 CL). My CR has a couple of baddies which happened 5 years ago. Am glad I got this card as I can now take baby steps to rebuild my score.
 
Credit Score: 632 Credit Limit: 500 Age: 25-34
Posted 01/01 2014
Overall Rating:
TU score was 632. Income was 55k. Applied and got approved. I already have the First Premier and Credit One. Now that this card comes with no annual fee, I'll slowly get rid of the other two after I get another no annual fee card.
 
Credit Score: 645 Credit Limit: 700 Age: 45-54
Posted 12/10 2013
Overall Rating:
Score was 645 with EQ. Have a Cap One and FP. I had tried getting a Discover and Citi but was not approved for either. Anyway, am glad I got this card. I'll be targeting the Walmart Discover after a year or so.
 
Credit Score: 625 Credit Limit: 500 Age: 25-34
Posted 11/24 2013
Overall Rating:
EQ score was 625. Got approved for $500 CL. A year later, with on time payments (most of them in full), I got my CLI to $1000.
 
Credit Score: 596 Credit Limit: 500 Age: 18-24
Posted 10/18 2013
Overall Rating:
This was my 2nd attempt after the first one was unsuccessful. Got a $500 CL.
 
Credit Score: 660 Credit Limit: 700 Age: 25-34
Posted 10/02 2013
Overall Rating:
I was thrilled to get the CL that I got with my score. This is my 4th year with this card now. For the first year or two, I've had the occasionally $100 CL increase. The during the last year, I had a couple of $500 increases. This allows me to buy more fancy electronics with the card!
 
Credit Score: 730 Credit Limit: 800 Age: 35-44
Posted 09/25 2013
Overall Rating:
Score was 730 (TU I think). CL given was $800. This was great and I have used close to the full limit for a flat screen TV and washer dryer. A year later, got a CLI and it is now $1500.
 
Credit Score: 674 Credit Limit: 500 Age: 25-34
Posted 08/07 2013
Overall Rating:
Applied for this card once and was declined. 6 months later with hardly a change in my score (674 EQ), I was approved for a $500 CL. This is my first no annual fee card since my credit took a nose dive. Before this, I have Credit One and Cap One secured ($300 CL each).
 
Credit Score: 716 Credit Limit: 1000 Age: 18-24
Posted 06/23 2013
Overall Rating:
Am a student and shop at Walmart near my campus. Got this card with a $1k CL. I always pay in full and am very happy with this card. Will probably try for the Discover version soon.
 
Credit Score: 693 Credit Limit: 500 Age: 25-34
Approved 1.5 Years after Bankruptcy
Posted 05/04 2013
Overall Rating:
I am sort of in the rebuilding since coming out of BK. Have a Credit One before I applied and got approved for this card. I plan to stay way before my CL and see how this card works out in terms of helping me with my credit score.
 
Credit Score: 587 Credit Limit: 500 Age: 35-44
Posted 05/01 2013
Overall Rating:
Got a pre approval letter from GE Bank. Applied and got $500 CL with a 587 TU score. I thought the limit was a little low. After reading the comments here and some other forums, it looks like that is a normal starter limit. I am some other store cards and just want to have some diversity in my credit profile.
 
Credit Score: 655 Credit Limit: 700 Age: 25-34
Posted 04/25 2013
Overall Rating:
Got this card a couple of years ago. I shop quite a bit at Walmart so I do use this card quite a bit. I once maxed out on a lcd TV but other than that, I go nowhere close to my CL. Then after a year, I got my lines increased to $1000. After about another 6 months, it increased to $1700. Now, my limit is $2500. I am pretty pleased with this.
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