Analyzing Walmart's Credit Card

WalMart Credit Card

In 2014, the Federal Reserve estimated that 72% of all Americans had at least one credit card. If you consider how many people are in the United States, then you can estimate that 167 million Americans own at least one credit card. There are millions of people who have multiple cards, which speak to the fact that Americans enjoy the convenience and flexibility credit, charge, and prepaid cards offer.

One of the most popular credit cards offered is the Walmart credit card. With millions of people shopping at WalMart each day, their credit card offers consumers the ability to save more on their purchases. Additionally, since WalMart eliminated their layaway, the WalMart credit card gives people the opportunity to make purchases

The ability to save more off purchases sweetens the pot. With the WalMart credit card, consumers can save an extra three percent off purchases at WalMart.com, two percent off gas purchases at Murphy USA and Walmart, and one percent anywhere their card is accepted. WalMart also offers additional savings opportunities to their cardholders, including the ability to save extra when they open their cards and when they make a payment.

In addition to WalMart’s credit card, WalMart offers three store cards. People who may not get approved for their credit card may find that they can easily get approved for their store charge card. Unlike WalMart’s credit card, the store charge cards can’t be used to make purchases at other retailers. However, it can be used to make purchases at WalMart.com and in their retail stores.These three cards are also based on credit and other factors; therefore, it’s possible to be declined for these cards as well.

WalMart credit cards and store cards are a great way for people to improve their credit rating. WalMart reports to all three major credit bureaus. Therefore, with on-time payments and an improved credit report, cardholders can receive periodic increases on their credit line, allowing them to spend more at

After visiting Walmart.com, would-be cardholders can go to the WalMart credit card application by clicking “Credit Cards” in the top menu. From there, an “Apply Now” button will take them directly to the credit card application.

People who already have a Walmart credit card can follow the same steps to manage their account. Instead of choosing “Apply Now,” they simply select “Access Account.” Once prompted, they simply supply their Walmart credit card login, and they have access to their account. While logged in, they can make their WalMart credit card payment, review activity, and check their balance. Everything they need to manage their account is right at their fingertips.

Returning credit cardholders can take similar steps to access their accounts. Once they visit Walmart.com, they can log in with their Walmart credit card login to review their account.

Like other types of cards, WalMart credit card is a great option for people who shop a lot at WalMart. In addition to financing purchases, cardholders can save extra money off their purchases, including their gas purchases. To get started on the WalMart credit card application, people should visit WalMart.com. From there, they can choose “Credit Cards,” and apply. The online account manager is perfect for both new and returning users. It gives them easy access to common transactions, including making their WalMart credit card