Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.
Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.
Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.
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:
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.
5 Walmart Card Alternatives (Bad Credit OK)
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:
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
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.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Adjustable credit limit based on what you transfer from your Chime Checking account to the secured deposit account
No interest* or annual fees
To apply for Credit Builder, you must have an active Chime® Checking Account. 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. ViewThe Bancorp agreement orStride agreementfor details; see back of card for issuer.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
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.
Raise your credit score by 30+ points.
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.
27.49% Variable APR Rates as of December 12, 2024.
$0
New/Rebuilding
Did Walmart Approve Your Poor Credit?
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!
Advertiser Disclosure
CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
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