Lots of people are looking for the Walmart credit card reviews so I decided to write about the detailed guide on the reviews of Walmart credit cards. So this guide is going to a little bit longer and if you truly want to get the knowledge then stay with me.
Indeed Sams Walton had no idea that the single Walmart store will become the reason to earn the $480 billion revenue per year. Now the Walmart has expanded their hand in the 12000 plus locations in 28 countries with the estimated 2.2 million employees. Nobody can imagine the biggest success and there is no doubt that it’s really the big success story for the whole world. Walmart provides the several general things that you can purchase from Walmart stores. From clothes to IT products and from grocery to home maintenance stuff you can easily buy anything easily. Therefore, if you people have Walmart credit cards then you can save lots of money from your monthly expenses.
Walmart Credit Rewards – Walmart Card Reviews
As you people already know that Walmart provides the two types of credit cards the first one is Walmart credit card and the second one is Walmart MasterCard. If we talk about the rewards then let me give you the idea that both cards have the rewards program and you people can use them as per terms and conditions of both cards.
Walmart credit cards reward program is good and they offer the 3% cash back rewards for the online shopper who make purchases through www.Walmart.com and Walmart app.
Lots of people don’t prefer to make purchases online while having the Walmart credit card and if you are one of them then you can also get the 2% cash back on the Walmart superstores USA Murphy gas stations but keep one important thing in your mind that this is just the competitive rate for those who live nearby Walmart. Here is another important thing is that this option is not available in every state of America but you people can check this option at your nearest Walmart superstore.
On the other hand, Walmart company also give the 1% rewards to their cardholder who makes purchases on stores but believe me it’s not good even if you add 1% of Samas Club.
Biggest Perk Of Walmart Credit Cards
Now let’s take this conversation ahead and talk about the Walmart credit Card biggest Perk that is the signup bonus of Walmart Credit card. Yes its true, whenever you will do the sign up for your nee Walmart credit card you will get the $25 bonus in the statement credit after your first purchase on the same day when you get the approval. Although it’s not the big bonus that Walmart is giving to the card holders but still its better and you don’t need to pay an annual fee of Walmart credit card.
Indeed the bonus that Walmart is providing is very less and you people can just get this when you apply for the signup or you make any purchase on www.walmart.com, Walmart superstores And USA Murphy Gas Stations on the same day of approval. However, you will also not get the rewards on your initial bonus on earning purchases.
Other then this, if you have applied for Walmart credit card and not get the approval instantly then you can get the Walmart credit card certificate to get the Walmart credit card on urgent bases. It means that you can get the Walmart card discount by using that particular certificate.
Walmart Credit Card Requirements And Approval
Its the big miss conception in the market that getting the Walmart credit card is not an easy task. Do you think its true? But I don’t think so. Let me clear you here that getting the Walmart credit card is very simple you just need to fill the application form with all your authentic details with the 620 or above credit score. You won’t need the highest credit score to get the approval. Minimum 620 or above will help you to get the Walmart credit card easily. Therefore, you people can apply for Walmart credit card in Walmart stores. But I will recommend you to must apply for the Walmart credit card online because by applying for Walmart credit card online you can get $25 sign up bonce.
If you have no idea how to apply for Walmart credit card online then you can read my complete guide to Apply for Walmart Credit Card online along with other applying methods. As well as you can also read about Walmart credit card payments methods and Walmart credit card login.
What Type Of Walmart Credit Cards Are Good To Use At Walmart
Being the cred cards expert, I always suggest that use the Walmart credit cards in order to do shopping from Walmart. But if you are not the regular shopper of Walmart then I will tell you this card is not beneficial for you. If you are used to doing shopping regularly from Walmart then you can get huge discounts through the Walmart credit cards. I will also suggest to you, people, that not limit your self if you have others options in your pocket. Like the open loop credit cards that you can use wherever the credit cards are accepted.
Open loops cards are those card that you can use wherever the credit cards are acceptable such as MasterCard, Discover cards, and American Express Cards.
If you are not the regular Walmart shopper then use these cards at Walmart instead of using Walmart credit cards. These type of credit cards can be very beneficial for you guys and you can avail lots of discount through open loop cards.
Walmart Credit Card Cash Back
Now its time to discuss something about Walmart credit card cash back feature. As you already know that basic Walmart credit card can give you just 1% cash back on in-store purchasing. But let me give you one idea. There are lots of cash back cards that can give you 2% 3% rewards or even there are few cards that can give you 5% cash back rewards in the form of bouns category.
Final Thoughts – Walmart Credit Card Review
Walmart credit cards are the best for those people who have the low credit score and cant get better credit card rewards from anywhere. As well as your Walmart MasterCard will also help you to get 1% saving on all type of purchases.
Other then this if your fico score is below 630, then you can get few discounts with no annual fee.
See the below comparison to make the more understanding.
Walmart Credit Card Good For
Those who buy gas from Walmart
People with below 630 credit score
Walmart Credit Card Bad For
Those who have the good credit score
Individuals who carry the balance from one month to another month
Walmart Credit Card Reviews From Others
The Walmart Credit Card is a solid option for people who need to improve their credit score and who shop regularly on Walmart.com, Walmart stores, and Walmart gas stations. Walmart’s credit cards provide the opportunity to repair your credit while receiving in-store financing, a signup bonus, and bonus cash back rates of up to 3%. supermoney
While store cards are not usually a good idea for staying on budget, the Walmart Credit Card can be used for things like groceries and household necessities. The card may also be good for someone who is looking to rebuild their credit and can’t qualify for other credit cards as the required credit score to qualify for a Walmart Credit Card is typically low, although a specific score needed is not stated on their website. magnifymoney
Although the Walmart credit card is limited in where you can use it, the company has over 11,000 stores globally, making it relatively easy to find a place to shop. If you frequent Walmart, and especially if you do your regular grocery shopping there, this could be the best store credit card for you, as you’ll rack up cash rewards quickly. gobankingrates
The biggest problem with Walmart’s credit cards is that they don’t give you any extra rewards for actually shopping at Walmart stores, which should be the main benefit of a store-branded card. The 3% rewards rate is available only at Walmart.com. Go to the physical store, and you get 1%. If you do a ton of online shopping through Walmart, this card might be worth your while. But if your Walmart experience is mostly in-store, you can get a better rate on many other cards. nerdwallet
Well, guys, these were the complete Walmart credit card reviews. I hope that this guide will help you guys to understand the Walmart credit cards un the better way. As well as you people can also observe that Walmart credit card is good for you guys or not. Becuase you better know about your financials. So always make the decision as per the above comparison of Walmart credit card.