The Walmart Pay credit card is the new way to shop at Walmart.
Since its initial launch, it has been a great standout option Walmart has had to release that offers more shopping convenience to customers.
In fact, it brings the experience you'll normally have when using a regular credit card for your purchases at Walmart—I mean, you get up to 5% cashback on your purchases made at Walmart.com. Insane right?
The best is that getting approved for this card is very easy. Stick around as I'll share everything there is to know about this card and how you can get one for your shopping needs.
What is the Walmart Pay Credit Card?
The Walmart Pay credit card is the fruit produced out of the partnership between Walmart and Capital One as a way to help customers save as they shop. If you've had to bank with Capital One before or just have an inch of idea about this company, you'll know how they are at offering credit cards with outstanding saving options—this is the benefit you get with the Walmart Pay credit card.
You can associate your credit card with Walmart Pay to take even more advantage of this shopping experience.
The Walmart Pay credit card comes in two forms:
1. Capital One Walmart Rewards Mastercard
Being the most common of the two forms, the Capital One Walmart Rewards Mastercard is a traditional credit card that allows you to earn cash back on your purchases. It offers:
- 5% cash back on purchases made at Walmart.com, including grocery pickup and delivery
- 2% cash back on in-store purchases at Walmart, as well as on restaurants and travel
- 1% cash back on all other purchases
- No annual fee
2. Walmart Store Card
The Walmart store card is the second form of the Walmart Pay credit card and can only be used for purchases at Walmart and Walmart.com. In essence, it is the most popular credit card used at Walmart. It provides:
- Up to 5% cash back on online purchases at Walmart.com and the Walmart app
- 2% cash back on in-person purchases at Walmart stores and fuel stations
- No annual fee
Both cards require a credit score of 640 or higher to qualify and can be easily applied for online or in-store.
How to Apply for a Walmart Credit Card Online and Get an Instant Reply
The Walmart Pay credit card has its own set of requirements and a good number of applicants have not been successful with getting the card, probably because they don't meet the credit score requirements.
However, that shouldn't discourage you because many have gotten this card. While the reply isn't always instant, you should expect a quick reply if you meet all requirements to get the card.
You can follow these steps to apply for your Walmart Pay credit card online and hope for an instant reply:
- Visit the Walmart Capital One credit card login page and click "Set Up My Account."
- On the next page, enter your name, Social Security number, and your date of birth, and click on "Get Started". If you don't want to use your SSN, you can use your bank account number instead.
- Review the credit card details and requirements. To get instantly approved, you'll need a credit score of at least 640 or higher.
- Fill out the online application form completely and accurately. This will include questions about your income, employment, and financial information.
- Submit your application. If you meet the credit requirements, you should receive an instant decision on whether you are approved for the Walmart credit card.
If approved, you may be able to get a temporary card number to use immediately for purchases at Walmart. The physical card will then be mailed to you.
Maximizing Your Rewards with the Walmart Pay Credit Card
To get the most out of your Walmart Pay credit card, it's important to use it for all your Walmart purchases, both in-store and online. The 5% cash back on Walmart.com purchases, including grocery pickup and delivery, can add up quickly, especially for those who do a significant amount of their shopping through Walmart's online channels.
Additionally, the 2% cash back on in-store purchases at Walmart, as well as on restaurants and travel, can help you earn rewards on a wider range of your spending. By using the card for all eligible purchases, you can maximize your cash back and enjoy a more rewarding shopping experience.
Conclusion
The Walmart Pay credit card is a valuable tool for frequent Walmart shoppers looking to maximize their savings and earn cash back on their purchases. With its generous rewards structure, no annual fee, and the ability to use it both in-store and online, the Walmart Pay credit card is a compelling option for those who want to get the most out of their Walmart shopping experience.