Can I Use My Walmart Credit Card Anywhere? 3 Things to Know

"Can I Use My Walmart Credit Card Anywhere?" 3 Things to Know

credit card advice

Ashley Dull
By: Ashley Dull
Posted: January 11, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Walmart is the largest retail company in the world and has remained in the top position among other American retail chains since 2002. Known for its “Everyday Low Prices,” people love the convenience and affordability Walmart brings to the (dinner) table. With everything from clothing and furniture departments to full-service pharmacies and delis, Walmart is a one-stop shop for many families.

So naturally, it makes sense to get a credit card from a store you visit often — each week, nearly one-third of the US population will go to a Walmart store! But what about when you want to go to Target, or literally anywhere else? We’ve done some research on the Walmart credit cards and where they can be used to make purchases, the rewards you can (and can’t) earn, along with some comparable (and superior) credit card options.

1. It Depends on Which Walmart Credit Card You Carry

Photo of Walmart Credit Card and Walmart MasterCardThere are two Walmart credit cards you can apply for — the Walmart Credit Card and the Walmart MasterCard. The Walmart Credit Card can only be used at Walmart stores, Walmart.com, Sam’s Club, and its associated gas stations. The Walmart MasterCard, however, can be used anywhere MasterCard is accepted.

Being MasterCard is one of the largest and most popular global networks, you can bet your card will be accepted most everywhere, at least in the US.

If you buy your gas from a Walmart or Murphy USA gas station, using your Walmart-branded card to complete the purchase will earn you 2% cash back (Murphy Express stations excluded), which is a pretty fair deal in comparison to other gas station cards available. If you’re using the card to make purchases from Walmart and Sam’s Club stores, however, you’re probably shorting yourself of the best rewards-earning potential, as we’ll explain next.

2. Both Carry High APRs, So You Might Have Better Options

While known for low prices, Walmart isn’t necessarily known for low-interest rates. The Walmart credit card carries a variable 23.65% APR, while the Walmart MasterCard begins at a 17.65% APR up to 23.65%, at the time of this article, based on creditworthiness “and other factors” per the terms and conditions. The card, however, isn’t known to approve those with bad credit in the first place.

Screenshot of Walmart's Everyday Rewards Program

The Walmart 3-2-1 Save Program represents cash back rewards available per qualifying purchase. The Walmart MasterCard can be used everywhere MasterCard is accepted, and will earn 1% on qualifying purchases.

If you make most of your purchases online at Walmart.com, both cards can provide great cash-back value at 3% for all qualifying transactions. If you’re making the bulk of your purchases in-store, the cash-back value isn’t so appealing, sitting at just 1% per qualifying purchase. This is less than ideal when cards like the Chase Freedom and Discover it® Cashback Match offer 5% back in rotating quarterly categories.

Your Walmart rewards can only be redeemed as a statement credit and are applied automatically each billing period (unless your balance is past due, in which case you won’t see rewards applied until your payments are up to date.) If you carry a balance, this means the rewards you’ve earned are only helping to lessen the interest you’re paying, so you’re not really earning much at all, or at least it won’t feel like it.

Not only can the following cards be used everywhere Visa and Mastercard are accepted, most offer lower APRs and better cash back rewards that can be redeemed for a check, travel rewards, gift cards, merchandise, or statement credit if that’s what you prefer — and there are options for all credit types — no bad credit denials to worry about!

Good Credit (700+) | Fair Credit (650+) | Poor Credit (<650)

Rewards Cards for Good Credit

Those with good credit scores have the best offers to choose from, especially when it comes to cash back. Instead of earning 1% on outside purchases with the Walmart MasterCard, earn up to 5% cash back with one of these.

Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.24% - 24.24% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.24% - 24.99% Variable
$0
Excellent/Good
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.24% - 24.99% Variable
$0
Excellent/Good

+ See More Cards for Good Credit

Rewards Cards for Fair Credit

“Fair” credit means you’re kind of sitting there right in the middle of the credit score spectrum between “good” and “bad.” By using one of the following cards responsibly (always paying on time, keeping your balance low), you can increase your credit score over time, and still earn comparable rewards to that of the Walmart Credit Card. The primary difference, of course, being merchant acceptance — earn rewards everywhere, not just at Walmart.

FAIR CREDIT RATING
★★★★★
4.9
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Unsecured Visa® with Cash Back Rewards Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
3.8/5.0
  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Enjoy the flexibility to choose your payment due date, terms apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
Fair
Credit One Bank® Unsecured Visa® with Free Credit Score Tracking Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.8/5.0
  • Find the card that’s right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
Fair

+ See More Cards for Fair Credit

Rewards Cards for Poor Credit

Regardless of your credit rating, you still have options for earning cash back rewards on all of your qualifying purchases — the caveat being you may be required to pay an annual fee. This is the price you’ll quite literally pay to have a card that isn’t restricted to one store when you have less-than-perfect credit. These cards can also be used to mend your credit score with responsible use, and you can eventually qualify for better offers.

Credit One Bank® Platinum Visa® for Rebuilding Credit Review

at Credit One'ssecure website

BAD CREDIT RATING
★★★★
4.0
OVERALL RATING
3.7/5.0
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Receive opportunities for credit line increases, a fee may apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
Bad Credit
Credit One Bank® Platinum Visa® with Cash Back Rewards Review

at Credit One'ssecure website

BAD CREDIT RATING
★★★★
4.0
OVERALL RATING
3.7/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Enjoy more buying power with credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
Poor
Credit One Bank® Visa® Credit Card Review

at Credit One'ssecure website

BAD CREDIT RATING
★★★★
4.0
OVERALL RATING
3.7/5.0
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Give your credit a boost with credit line increase opportunities, a fee may apply.
  • Eligible purchases such as gas, groceries, mobile phone, internet, cable and satellite TV will automatically earn 1% cash back rewards. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
Poor

+ See More Cards for Bad Credit

3. Special Financing & New Account Purchases = No Rewards

When the holidays roll around, or really any time you want to make a large purchase, it’s nice having the option to “buy now and pay later” with Walmart special financing. Special financing allows you to pay no interest on your purchase, so long as you pay with your Walmart Credit Card or Walmart MasterCard and pay the balance off within six to 12 months, depending on the original purchase price.

One drawback, though, is that these purchases do not qualify to earn rewards. Nor do purchases made at the time of opening a new credit card account, because you’ll receive an in-store discount instead. Once you have your card, you can always apply a Walmart promo code to your purchase for a discount and still earn rewards.

If interest-free financing appeals to you, you’re better off with a 0% intro APR credit card, allowing you to purchase anything — not just a qualifying Walmart product — and pay no interest for up to 15 months or longer! The Walmart credit cards have their perks, especially when buying online, but every wallet should have a more versatile option that allows cardholders to earn rewards everywhere.