How to Apply for a WalMart Credit Card

A credit card can be a way to save money and build credit.

For Walmart shoppers, procuring a Walmart credit card is a way to receive rewards and cash back for shopping. Benefits to the Walmart credit card include cash back on purchases, as well as savings of three cents per gallon on gasoline at certain stores. There is no annual fee to the card and a Walmart customer can easily apply online or in the store at the customer service desk.

Instructions

Apply In-Store

1. Go to customer service.

2. Request a credit card application. This may be done on a computer or by hand, depending upon the store. If the application is on the computer, the customer service representative will fill out the application for you. If it is done by hand, it will be a part of a brochure.

3. Fill out the credit card application. Include your full legal name, address, Social Security number and date of birth. Give the application back to the customer service representative for processing. You should be given a response as to your approval in just a few minutes.

Apply Online

1. Go to Walmart.com. Scroll to the bottom of the page and click on the "apply now" link under "Walmart Credit Cards."

2. Select "apply now" on the next screen. Enter your Walmart login information or create a new account by selecting "create account." Enter your login and password preferences to create a new account.

3. Fill out the application, including your full legal name, address, date of birth and Social Security number. Press "accept and submit" at the bottom of the page to see if you are approved. If you are, you will be able to shop with the card the same day as you applied, as long as you logged into your customer account.

Tips & Warnings

• Be sure to fill in the application legibly if filling it out by hand at the store to ensure the proper information is entered into the computer by the customer service representative. Review your online application before submitting to ensure that it is correct.

• Approval is based upon credit score and income. If you are denied, request a copy of your free credit report--information is included on your denial letter as to how to get your copy--and review your credit information to see how to improve your scores.

References

• Walmart: Open a Credit Card & Buy Today