That being said, if you visit physical Walmart stores frequently, the statement credit could quickly add up. For example, cardholders can only receive 2% cash-back for using their cards at a Walmart store. Other drawbacks certainly apply to this card. $10 or 3% of each cash advance amount (whichever is greater) There are a few cons to consider before applying for either card.įees: Here are the current fees/penalties that you might incur. Access to special 6-12 month financing optionsįees and Drawbacks of the Walmart Rewards Cards.$0 Fraud Liability for unauthorized charges.Other companies charge up to $20 to check your score, so this could be a handy advantage.Free online FICO ® credit score checks anytime by signing up to electronic statements.Additional Features of the Walmart Rewards Card Optionsīelow are additional perks offered with both Walmart cards: You can find out more about the application process below. Since the Capital One Walmart Rewards card is slightly more difficult to qualify for, some applicants will automatically receive the standard Walmart Rewards card, which targets consumers with low to fair credit scores looking to build their credit. And finally, Capital One Walmart Rewards cardholders are eligible for cash advances (with a variable APR), while standard Walmart Rewards cardholders are not eligible. The standard Walmart Rewards card is only accepted at Walmart stores,, and Walmart and Murphy USA gas stations.Īnother difference: some Capital One Walmart Rewards cardholders may receive a lower APR depending on account type. The Capital One Walmart Rewards card can essentially be used anywhere you like - meaning that you’ll get rewarded for purchases made virtually anywhere Mastercard is accepted (albeit marginally, at 1%). Walmart has 2 branded cards, which have virtually the same benefits with just a few main differences. 5% Walmart Pay for 12 months on in-store purchases. 2% at Walmart Stores, Walmart, and Murphy USA Fuel Station.5% at and in the Walmart app, including Grocery Pickup and Delivery.5% with Walmart Pay for 12 months on in-store purchases.2% at Walmart Stores, Walmart and Murphy USA Fuel Stations, Restaurants, and Travel.5% at and Walmart app, including Grocery Pickup and Delivery.
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