If you know the steps, applying for a credit card at Walmart online is quick and simple. This guide walks you through the process so you can complete your application without confusion.
You’ll also learn about eligibility, benefits, and interest rates. Follow this step-by-step guide to get started and make the most of your new card.
Overview of the Walmart Credit Card
The Walmart Credit Card is designed for frequent shoppers. It provides a way to earn reward dollars on purchases.
The card can be used for both in-store and online transactions. Interest rates and fees vary depending on the type of card.
There are additional protection plans and benefits. Understanding the details helps you decide if this card is right for you.
Eligibility Requirements
To apply, you must meet specific criteria. These include age, residency, and credit standing.
Who Can Apply?
Applicants must be at least 18 years old. Residency in Canada is required. A valid government-issued ID and personal information must be provided.
A good credit score improves approval chances. Approval is subject to financial background checks. Meeting these conditions increases the likelihood of getting approved.
Benefits of This Credit Card
This card comes with perks that help save money on purchases. It also includes protection plans for added security.
Earn Discounts and Cashback
Cardholders earn 5% in reward dollars when shopping for select brands. Purchases from George, Athletic Works, Equate, and Great Value qualify.
Rewards can be redeemed for future purchases. There is also a $45 bonus when signing up.
Cashback applies to both in-store and online transactions. Savings increase the more you use the card.
Special Offers and Early Access
The card includes zero liability protection for unauthorized transactions. A balance protection plan covers financial risks due to illness or job loss.
An extended warranty plan adds up to three extra years to manufacturer warranties. Purchase assurance protection covers theft, loss, or damage within 90 days of purchase.
The card also provides 24/7 emergency services like cash advances and replacements. These features add security and peace of mind for cardholders.
How to Apply Online?
The online application process is quick and simple if you follow the proper steps. You need to provide personal and financial details to complete the form.
Step 1: Visit the Official Website
Go to the official website to begin your application. Look for the section that features credit card options.
Make sure you are on the correct and secure page before proceeding. This ensures your information is safe.
Step 2: Navigate to the Credit Card Section
Find the credit card section on the website. Look for the option that allows you to apply now.
Click on it to start filling out your details. Make sure you read the provided information carefully.
Step 3: Complete the Application Form
You will be asked for basic personal information like name, address, and date of birth. Financial details, including income and employment status, are required.
Make sure everything is entered correctly. Any errors may delay the approval process.
Step 4: Review and Submit the Application
Double-check all the information provided before submitting. Ensure that your details are correct and up to date.
Once you submit, your application goes for immediate processing. You will receive an update on your approval status shortly.
What to Expect After Applying?
Once you submit your application, it will go through a review process. You may get an instant decision or need to wait for further checks.
Immediate Notification of Approval or Further Review
Some applicants get instant approval after submission. Others may need additional verification, which could take longer.
If approved, you will receive details about your credit limit and benefits. If further review is needed, you might have to provide extra documents.
You will be informed by email or mail. Always check your inbox for updates.
Receipt of the Card and Activation Instructions
Once approved, your credit card will be mailed to your address. Delivery times depend on your location.
The card comes with activation instructions, which must be followed before use. Activation can be done online or by phone.
After activation, you can start using your card immediately. Keep the provided details safe for future reference.
Interest Rates and Fees
Understanding the interest rates and fees is important before applying. Different cards have different rates based on location and approval.
APRs for Purchases, Cash Advances, and Balance Transfers
For residents outside Quebec, the Preferred Rate Card has a 21.89% interest rate and a 22.97% cash interest rate. In Quebec, both rates are 21.89% and 21.97%.
The Standard Rate Card has higher rates at 26.99% for purchases and 27.99% for cash advances. If not approved for the Preferred Rate Card, you are considered for the Standard Rate Card.
These rates affect how much you pay on carried balances. Always check your approval details carefully.
Other Fees to Consider
Some transactions and penalties have extra charges. A cash advance costs $4 at a bank or teller. Balance transfers under $1,000 cost $4, while those over $1,000 or international transfers cost $8.
A dishonored payment fee is $20. A declined balance transfer or convenience cheque also costs $20. A credit balance inactivity fee is less than $10 or the remaining balance after 12 months.
A $29 fee is charged per statement period if you exceed your credit limit. These charges add up fast, so avoid unnecessary fees.
Managing Your Account Online
Online access makes it easier to manage your credit card. You can track spending, make payments, and adjust settings anytime.
How to Register for Online Access?
Go to the official website and find the account registration page. Enter your card details and personal information to set up an account.
Choose a secure username and password to protect your account. Once registered, you can log in anytime to check transactions.
Activation is required before you can make online payments. Always keep your login details safe.
Features Available Online
Once registered, you get access to several important features that help you stay in control of your account:
- View statements – Check your monthly statements online instead of waiting for mail.
- Make payments – Pay your bill online to avoid late fees.
- Set up alerts – Receive notifications for due dates and transactions.
- Manage spending – Track your purchase history and spending habits.
- Update account details – Change personal information, passwords, and security settings.
- Request assistance – Contact customer support through your online account.
Customer Service and Support
If you need help, contact customer service at 1-877-860-1250. Support is available for account issues, lost cards, and billing questions.
You can also visit the main office at 702 S.W. 8th St., Bentonville, AK 72716. Always have your account details ready when calling for faster assistance.
Summary of the Walmart Credit Card Application
Applying for a Walmart credit card is simple if you follow the steps. Make sure your information is correct to avoid delays.
Understanding the interest rates and fees helps you manage costs. Always check for updates on terms and benefits before applying.
Disclaimer: Interest rates and terms may change at any time. Always check the latest agreement and conditions before applying.