Walmart Credit Card: Bad Credit OK? (June 2023)

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. PREMIER Bankcard® Mastercard® Credit Card

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.0/5.0

Our Review »

• Don’t let a low FICO score stop you from applying – we approve applications others may not.
• You don’t need good credit to apply.
• Just complete the short application and find out in 60 seconds if you’re approved.
• When you need assistance our award-winning US-based Customer Service agents are there to help.
• FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

• 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

2. PREMIER Bankcard® Grey Credit Card

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.6/5.0

Our Review »

• You don’t need good credit to apply.
• We help people with bad credit, every day.
• Just complete the short application and find out in 60 seconds if you’re approved.
• You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
• Don’t let a low FICO score stop you from applying – we approve applications others may not.
• FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
• *Build credit by keeping your balance low and paying all your bills on time every month.

• 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. Capital One Platinum Secured Credit Card

BAD CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.0/5.0

• No annual or hidden fees. See if you're approved in seconds
• Building your credit? Using the Capital One Platinum Secured card responsibly could help
• Put down a refundable security deposit starting at $49 to get a $200 initial credit line
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	29.99% (Variable)	$0	Limited, Bad

4. Capital One Quicksilver Secured Cash Rewards Credit Card

BAD CREDIT RATING

★★★★★

4.6

OVERALL RATING

4.0/5.0

• No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
• Put down a refundable $200 security deposit to get a $200 initial credit line
• Building your credit? Using a card like this responsibly could help
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	29.99% (Variable)	$0	Limited, Bad

5. Milestone® Mastercard®

at Milestone Mastercard®'ssecure website

BAD CREDIT RATING

★★★★★

4.6

OVERALL RATING

4.1/5.0

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

• 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

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!