Walmart Credit Card: Bad Credit OK? (Dec. 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 receive a response in 60 seconds.
• 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 receive a response in 60 seconds.
• 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.

• 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. Mission Lane Visa® Credit Card

at Mission Lane'ssecure website

BAD CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.2/5.0

Our Review »

• $0 Annual Fee. Clear terms and transparent pricing.
• See if you qualify instantly without harming your credit score.
• Be automatically considered for a higher credit line in as few as 7 months.
• Free, online credit score access for cardholders.
• No interest on purchases when you pay in full and on time each month.
• No security deposit required – get started today!
• Enjoy coverage from Visa®.
• Access your account anytime, anywhere with our mobile app.
• If you are charged interest, the charge will be no less than $0.50.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	29.99-33.99% Variable	$0	Fair

4. Arro Card

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.0/5.0

Our Review »

• All credit types accepted.
• Arro's soft credit pull does not impact your credit score.
• Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
• Opportunities to decrease your interest rate.
• Use your Arro Card anywhere Mastercard is accepted.
• Application takes as little as 5 minutes.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	16% Variable	N/A	All Credit Types Accepted

5. Revvi Card

at Revvi'ssecure website

BAD CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.1/5.0

Our Review »

• Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
• Perfect credit not required
• $300 credit limit (subject to available credit)
• Checking account required
• Opportunity to request credit limit increase after twelve months, fee applies
• *See Rates, Fees, Costs & Limitations for complete offer details

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
See website for Details	N/A	35.99%	$75.00 1st year, $48.00 after	Fair

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!