Walmart Credit Card — “Bad Credit OK?”

By: Toby Sembower • 8/15/2018

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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, 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:

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

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Toby Sembower

Toby Sembower has been a leading national expert on credit cards since 2004, authoring advice, reviews, and comparisons of credit card offers for millions of readers in that time. His consumer-focused advice has appeared in Yahoo! Finance,,,, and other popular publications. In addition to sharing the personal lessons he’s learned from having used credit cards responsibly to raise his own FICO Score from 550 to 820, Toby’s regular interactions with top issuers like Chase, Capital One, HSBC, and Wells Fargo, enable him to provide readers with unique insights into upcoming card offers, rewards programs, and approval criteria.