Walmart Credit Card: Bad Credit OK? (April 2024)

Walmart is world-famous for its deep discounts on everything from bath soaps to bicycles, making it one of the nation’s most popular stores for credit card users.

The discount retailer is also known for promoting its own Walmart-brand credit card to its shoppers, which leads many potential applicants to ask the question:

“Will Walmart approve me if I have bad credit?”

The answer, most likely, is no.

While there are a handful of reports from those with credit scores in the 600 range getting approved for the Walmart Credit Card, the general consensus is that Walmart largely declines applications from those with low FICO scores, past bankruptcies, repossessions, and high levels of debt.

While Walmart may turn down bad credit applicants at a high clip, the Walmart Credit Card isn’t the only way to get credit with a low credit score. The following cards specifically tailor to consumers who need to build (or rebuild) credit. And, yes, these cards can be used at Walmart, too:

1. Milestone® Mastercard®

at Milestone Mastercard®'ssecure website

BAD CREDIT RATING

★★★★★

4.9

OVERALL RATING

3.8/5.0

Our Review »

• Greater access to credit than before - $700 credit limit
• Get a Mastercard accepted online, in store and in app
• Account history is reported to the three major credit bureaus in the U.S.
• $0 liability* for unauthorized use
• Access your account online or from your mobile device 24/7
• *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	See terms	See terms	Fair/Good

2. PREMIER Bankcard® Mastercard® Credit Card

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★

4.9

OVERALL RATING

3.0/5.0

Our Review »

• PREMIER Bankcard credit cards are for building credit.
• Start building credit by keeping your balance low and paying all your bills on time each month.
• When you need assistance our award-winning US-based Customer Service agents are there to help.
• Credit Limit Increase Eligible after 12 months of consistent responsible account management.
• We report monthly to the Consumer Reporting Agencies to help you build your credit.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	See Provider Website	See Provider Website	Fair/Poor

3. Secured Chime Credit Builder Visa® Credit Card

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.5/5.0

• No credit check to apply
• Adjustable credit limit based on what you transfer from your Chime Checking account to the secured deposit account
• No interest* or annual fees
• Chime Checking Account and qualifying direct deposit of $200 or more required to apply. See official application, terms, and details link below.
• The secured Chime Credit Builder Visa^® Card is issued by The Bankcorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
• *Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	$0	None

4. Brink’s Armored™ Account

at Netspend'ssecure website

BAD CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.1/5.0

Our Review »

• Brink’s knows Security! 24/7 access to a suite of security benefits to help keep your account armored.
• Get access to over 100,000 Brink’s Money ATMs.
• Get paid faster than a paper check with direct deposit.
• Add funds to your Brink’s Armored Account and use Brinks Armored debit card anywhere Debit Mastercard is accepted.
• Account opening is subject to registration and ID verification. Terms & fees Apply. Deposit Account is established by Pathward®, N.A., Member FDIC.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	Variable Monthly Fees	Not applicable

5. Discover it® Secured Credit Card

at Discover Card'ssecure website

BAD CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.0/5.0

Our Review »

• No credit score required to apply.
• No Annual Fee, earn cash back, and build your credit history.
• Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
• Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
• Terms and conditions apply.

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	10.99% Intro APR for 6 months	28.24% Variable APR	$0	New/Rebuilding

If Walmart starts approving those with negative credit histories, we’d love to be the first to know. Please reach out to us on Twitter (@CardRates) or Facebook to let us know your experiences in applying for a Walmart credit card. We know how challenging it can be if you’ve had some credit missteps in the past. Thankfully, there are plenty of options out there when it comes to credit cards, so even if you shop at Walmart, you can swipe a card from a different issuer.

We’ll update this post if Walmart’s approval standards change. In the meantime, happy shopping!