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What are the Different Walmart Credit Cards?

Lily AldridgeVerified
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Summary：Learn about the different types of Walmart credit cards, including the basic Walmart Credit Card, the versatile Walmart Mastercard, the Walmart Store Card, and the high-reward Walmart Mastercard - Cashback Rewards.

Walmart is a popular retail chain in the United States that offers a range of credit cards to its customers. These credit cards are designed to provide different benefits and offers to customers who shop at Walmart. In this article, we will discuss the different Walmart credit cards and their features.

Walmart Credit Card

The Walmart Credit Card is a basic credit card that is designed for customers who shop at Walmart frequently. This card offers a cashback of 3% on purchases made at Walmart.com, 2% cashback on fuel purchases made at Walmart or Murphy USA gas stations, and 1% cashback on all other purchases. The card also offers a signup bonus of $25 when you spend $75 or more on your first purchase.

Walmart Mastercard

The Walmart Mastercard is a more versatile credit card that can be used anywhere Mastercard is accepted. It offers the samecashback rewardsas the Walmart Credit Card, but also provides additional benefits like free FICO credit score access, extended warranty coverage, and travel accident insurance. The card also offers a signup bonus of $25 when you spend $75 or more on your first purchase.

Walmart Store Card

The Walmart Store Card is a credit card that can only be used at Walmart stores. It offers the same cashback rewards as the Walmart Credit Card, but does not provide any additional benefits. The card also offers a signup bonus of $25 when you spend $75 or more on your first purchase.

Walmart Mastercard - Cashback Rewards

The Walmart Mastercard - Cashback Rewards is a credit card that offers higher cashback rewards than the other Walmart credit cards. It offers 5% cashback on purchases made at Walmart.com, 2% cashback on purchases made at Walmart stores, and 1% cashback on all other purchases. The card also offers a signup bonus of $25 when you spend $75 or more on your first purchase.

Tips for Applying for a Walmart Credit Card

When applying for a Walmart credit card, there are a few tips to keep in mind. First, make sure you have a good credit score, as this will increase your chances of approval. Second, apply only for the card that best fits your needs. Third, be sure to read the terms and conditions carefully, including the APR, fees, and rewards program.

Saving Money with Walmart Credit Cards

Walmart credit cards can help you save money on your purchases. By using the card for all your Walmart purchases, you can earn cashback rewards that can be redeemed for statement credits or Walmart gift cards. This can help offset the cost of your purchases and save you money in the long run.

Annual Fees and Risk Mitigation

Most Walmart credit cards do not have an annual fee, but it is important to check the terms and conditions carefully to make sure. Additionally, it is important to practiceresponsible credit card usageto avoid accruing high-interest charges and risking damage to your credit score. This includes paying your bill on time and in full each month.

Recommended Credit Card Companies

There are many credit card companies to choose from, but some of the most highly recommended include Chase, American Express, and Capital One. These companies offer a range of credit cards with different benefits and rewards programs, making it easy to find one that fits your needs and spending habits.

Conclusion

Walmart credit cards offer a range of benefits and rewards to customers who shop at Walmart frequently. By choosing the right card for your needs and using it responsibly, you can save money on your purchases and enjoy additional benefits like free credit score access and extended warranty coverage. When applying for a Walmart credit card, be sure to read the terms and conditions carefully and practice responsible credit card usage to avoid fees and risks.

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Walmart credit cardsMastercardcashback rewardsannual feesresponsible credit card usage
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