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.
Disclosure: When you apply through links on our site, we may earn a referral fee from our partners. For more, see our ad disclosure and review policy.
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 experts rate credit cards for bad credit based on APRs, fees, approval ease, rewards, educational resources, and issuer reputation. We focus on providing the best options for those rebuilding credit and compare similar offers to find a balance between accessibility and affordability. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for bad credit based on APRs, fees, approval ease, rewards, educational resources, and issuer reputation. We focus on providing the best options for those rebuilding credit and compare similar offers to find a balance between accessibility and affordability. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for bad credit based on APRs, fees, approval ease, rewards, educational resources, and issuer reputation. We focus on providing the best options for those rebuilding credit and compare similar offers to find a balance between accessibility and affordability. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for bad credit based on APRs, fees, approval ease, rewards, educational resources, and issuer reputation. We focus on providing the best options for those rebuilding credit and compare similar offers to find a balance between accessibility and affordability. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit cards for bad credit based on APRs, fees, approval ease, rewards, educational resources, and issuer reputation. We focus on providing the best options for those rebuilding credit and compare similar offers to find a balance between accessibility and affordability. Issuers have no influence on our ratings.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
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.
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.