Credit Score For Walmart Credit Card? (2022)

Last Updated: Apr 10, 2023

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Walmart is a retail giant that attracts consumers by their ability to offer consistently low prices on just about everything a consumer could need. Consumers who routinely shop at Walmart may consider applying for one of the credit lines offered by Walmart, including:

  • Walmart Mastercard®, or
  • Walmart Credit Card.

What Are The Minimum Credit Score Requirements For The Walmart Credit Card?

In order to be approved for a Walmart Mastercard applicants will have to meet various minimum requirements, particularly your credit score. You will need a minimum credit score of 650 or higher for approval. Your credit score will be the most influential factor in determining your eligibility, yet approval with even the highest credit score isn’t guaranteed.  

Walmart will consider various other factors when reviewing your Walmart Mastercard® application, including:

  • Debt,
  • Income, and
  • Negative items on credit report.

If you are unable to qualify for the Walmart Mastercard®, you may consider applying for the Walmart Credit Card instead. This line of credit has no minimum credit score requirement due to its limitations.

What Is The Walmart Credit Card?

Walmart Credit Card which is restricted to being used at selected outlets, being:

  • Walmart stores,
  • Sam’s Club stores,
  • Online at, and
  • Murphy USA gas stations.  

It is a line of credit designed to assist consumers with subprime credit scores and promote purchases at Walmart, or its associated outlets.

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How To Get Approved For Walmart Credit?

If you plan your application process to ensure you meet the minimum requirements for a Walmart Mastercard® your likelihood of success will increase exceptionally.

As a consumer you want to establish yourself as a reliable applicant, credit issuers look for:

  • Consistent credit history,
  • Steady income, and
  • Low credit utilization.

Incorporating these factors will inadvertently increase your credit score simultaneously. Consulting a credit repair specialist like Credit Sage would help streamline the process due to their exceptional experience, allowing you to get your financial life back on track.

Bottom Line

Walmart Mastercard® requires a minimum credit score of 650 or higher to be approved. Alternatively, consumers may consider the Walmart credit car which has more limitations yet less stringent approval requirements.

If your credit score is below the minimum Mastercard® approval requirements, consult Credit Sage today. Allow a team of credit repair specialists to get your creditworthiness on track to its optimal potential now.

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