Before I get started on this post, I want to get out of the way that most Synchrony Cards, if not all, cater to those with Not-So-Perfect credit and the Walmart Credit Card is no exception to that.
Right now, when you open the Walmart Store Credit Card, you’ll be able to reap $25 in Gift Card credit redeemable on Walmart purchases when you make a $75 first purchase at Walmart.com within the first day of account opening. Now, you’ll also get 3% the points on all Walmart.com purchases, save 2% on gas with Murphy USA or Walmart Gas, and get 1% cash back anywhere where the card is accepted.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
Alternative Credit Card Bonuses:
- Barclaycard Ring Mastercard
- Chase Freedom UnlimitedSM
- Blue Cash Everyday® Card from American Express
Walmart Credit Card Summary:
- Apply Now
- Maximum Bonus: 3% Cash Back + $25 Bonus
- Spending Requirements: For the $25 Bonus, spend $75 in qualifying purchases at Walmart.com within the first day of account opening
- Expiration: None
- Annual Fee: None
- Additional Advice: Rewards apply only to net purchases- not to balance transfers, cash advances, quick cash advance, or fees and interest charges
Walmart Credit Card Features:
- 3% Cash Back at Walmart and Walmart.com
- 2% Savings on Murphy USA and Walmart Gas
- 1% elsewhere
- No annual fee
- Fraud protection
- Gas discount
- Free FICO credit score
- Ability to add authorized users
- Special financing offers
- EMV chip technology
Conclusion:
The Walmart Store Credit Card is supposedly catered towards frequent Walmart Shoppers and that is the case with $25 in Gift Card Bonus, 3% the points on all Walmart.com purchases, and the ability to save 2% on gas at Murphy USA or Walmart, however, with a sky-rocketing 29.99% APR, holding a balance throughout a statement cycle is a big risk.
On top of that, a reader has pointed out that Walmart, nor Synchrony plans to incentivize you properly, even after promises of their decent rewards structure surfaced. Also, it’s worth reiterating that this is a card for those with less-than-perfect credit scores and may be a good card to build your credit score with if the credit line is decent, however, I still sway you towards getting your hands on a Barclaycard Ring Mastercard or Chase Freedom UnlimitedSM instead. Review our entire list of Credit Card Bonuses and Promotions for more options.
