Walmart has always been among the favorite go-to options for enthusiastic shoppers.
Besides selling virtually everything, Walmart aims to reward shoppers for choosing them as their "everything store" and they've done so very well through the Walmart credit card over the years.
Once you're approved for this card, you can save on shopping and earn some of the best cashback rates in the market.
So if you're looking to apply for this credit card, I'll show you the tips you need to get an instant reply for your application.
Does Walmart Have a Credit Card?
Yes, Walmart has a credit card though it isn't as direct as it used to be following the changes made on the Walmart Rewards credit card.
The Walmart Rewards Credit Card Discontinuation and Transition to Capital One Quicksilver Mastercard
A partnership between Capital One and Walmart back in 2019 brought one of the popular credit cards to save on shopping. That credit card was the $0 annual fee Walmart Rewards Mastercard which could let you get cashback of up to 5% on all purchases made at Walmart.com and Walmart stores.
Yes, I said "was" because this card has been discontinued following the termination of the agreement made between Capital One and Walmart on May 24, 2024.
This doesn't mean there's no credit card available anymore—instead, the credit card has been transitioned to the new Capital One Quicksilver Mastercard that offers almost the same benefits as the preceding option.
What Does This Mean for Existing Cardholders?
If you're an existing Walmart Rewards Credit Card holder, you should probably have your funds transferred to the new Capital One Quicksilver Mastercard and mailed a new credit card to use. The transition started in September 2024 and should be done rolling within early 2025 as announced by a Capital One Spokesperson.
Don't worry if your card hasn't been transitioned yet because you can still use your Walmart Rewards Credit Card as you normally do until you receive your new card.
What About New Applicants Looking to Get a Walmart Credit Card?
If you don't yet have the Walmart credit card, which brings us to the main focus of this guide, you'll have to transition your application as well to the Capital One Quicksilver Credit Card.
In other words, you'll have to apply for a Quicksilver credit card on the Capital One website since they are no longer in partnership with Walmart.
Don't get fed up with all the stuff, I'll walk you through the complete application process.
How to Apply for Capital One Quicksilver (Walmart Credit Card) and Get Instant Reply
The application process for the Capital One Quicksilver credit card is more like that of the preceding Reward credit card with the only difference that you can only apply for the new card on the Capital One website.
One thing I love about applying directly from the Capital One website is they offer a pre-approval process that will help you better understand your status when it comes to getting approved for the credit card.
They don't only offer a pre-approval process for the Quicksilver credit card but do so for all the credit cards they offer. So I highly recommend you take the pre-approval steps before going in for the credit card application itself.
After you've taken the pre-approval steps, you should be sure whether or not you'll be approved for the card—but at times, the pre-approval results might be different from the original application results. So you shouldn't be discouraged if the pre-approval results don't meet expectations.
Now that you know about the pre-approval process, let's get into the real stuff—applying for the Capital One Quicksilver credit card and getting an instant reply.
- Go to the Capital One Quicksilver credit card application page.
- Enter your personal information, which includes:
- Your Legal Names.
- Your Date of Birth.
- Your SNN or Individual Tax ID.
- Once you're done with providing all of that click on "Continue" to proceed to the next page.
- On the next pages, you'll have to provide your employment and financial information.
- Once you provide all of that, you'll have to review and submit your application if everything is fine.
After submitting your application for review, you'll receive an email containing Capital One's decision or reply within a few seconds—approximately 90 seconds according to Capital One. However, this is only when you apply online or by phone. It will take longer if you submit a paper application.
How to Check Your Credit Card Application Status
There are two common ways to check your application status after you've applied for a Capital One credit card. These include:
- Online by clicking through the link in the mail you received upon submitting your application.
- By phone by calling 800-903-9177 and requesting your application status.
How Can I Increase My Chances of Getting Approved for the Capital One Quicksilver Credit Card?
There are a few tips you can follow to increase your chances of getting approved for Capital One's Quicksilver credit card, which include;
- Taking the pre-approval steps (as shown earlier).
- Make sure you haven't frozen your credit report.
- Applying for the card online (which will even speed up the approval time).
When Will I Receive My Capital One Quicksilver Credit Card?
You'll typically receive your Capital One Quicksilver credit card within 7 to 10 business days excluding the days preceding your application.
Final Thoughts
The Walmart Rewards credit card has offered a great way to save while shopping at Walmart—but not, it is being transitioned to the Capital One Quicksilver credit card following the termination of the agreement between Walmart and Capital One.
If you already had the Rewards credit card, you must have surely been transitioned to this new card and if you haven't been yet, you can still continue using your Walmart Rewards credit card anywhere Mastercard is accepted while waiting for your own transition.
If you are still to apply for a Walmart credit card, then you'll have to divert your attention to Capital One's Quicksilver credit card. Decision or reply is typically almost instantly within a few seconds and you'll receive your card within 7 to 10 business days once you get approved.