Applying for a Walmart credit card online is quick and convenient. This card gives you access to exclusive rewards and valuable financial protections.
Whether you're shopping for groceries or electronics, the Walmart Rewards Mastercard can help you save more. In this guide, you'll learn how to apply and what benefits to expect.
Types of Walmart Credit Cards You Can Apply For
Walmart offers two Mastercard options to suit different shoppers needs. Both versions offer rewards and have no annual fee.
Walmart Rewards™ Mastercard
This standard card is available to a broad range of applicants. You can earn cashback in the form of Walmart Reward Dollars.
The earnings vary by category, helping you maximize savings on everyday purchases. It also includes security protections and basic cardholder benefits.
Walmart Rewards™ World Mastercard
This upgraded version offers higher earning rates on online purchases. It includes extra travel benefits and enhanced warranty protection.
You need a stronger credit profile to qualify. The base rewards structure remains similar but offers more flexibility.
Step-By-Step Guide to Apply Online
Applying online is fast and requires just a few minutes. You need to provide your personal and financial information.
- Go to the official website.
- Choose the card that matches your needs and click "Apply Now".
- Fill out your name, address, SIN, income, and employment details.
- Review the terms, check the consent boxes, and submit the form.
- If approved, you may get a temporary shopping pass to use instantly.
Earn a $45 Bonus with Your New Card
You can earn up to $45 in reward dollars by completing a few simple tasks. This bonus is divided into three parts.
- $20 Reward Dollars: Spend $50 or more using your temporary shopping pass after approval.
- $15 Reward Dollars: Make one Walmart purchase and one outside Walmart.
- $10 Reward Dollars: Enroll in paperless statements within your account.
Each part of the bonus is issued separately. Ensure you fulfill all conditions to receive the full amount.
Rewards Structure for Each Card
Both cards reward you for shopping at Walmart and at other retailers. The earning rates vary depending on the purchase type.
Walmart Rewards Mastercard
This card offers simple rewards for everyday spending. It's designed for those who want to earn on gas, transit, and Walmart purchases.
- 5% on select Walmart brands
- 2% on gas, transit, and other categories
- 1.25% at Walmart stores and online
Walmart Rewards World Mastercard
This card is ideal for online Walmart shoppers. It includes elevated rewards and added convenience for digital purchases.
- 5% on select Walmart brands
- 2% on gas, transit, and more
- 3% at walmart.ca
- 1.25% at Walmart stores in Canada
You earn rewards in the form of Walmart Reward Dollars. These can be used for future Walmart purchases.
How to Redeem Walmart Reward Dollars?
Using your earned rewards is simple and flexible. You can redeem rewards in-store or online.
First, make sure you have accumulated enough Walmart Reward Dollars. At checkout, you can choose to apply all or part of your balance.
The reward amount will reduce your final total. There is no minimum redemption amount listed. Rewards do not expire as long as your account stays active.
Interest Rates and Fees You Should Know
Interest rates vary based on your credit profile. Neither card incurs annual fees.
- Purchase APR: 19.89% to 26.99% (variable)
- Cash Advances: Additional fees and interest may apply
- Balance Transfers: Not all offers support transfers
Late payments may result in higher interest charges. Always review the terms carefully before submitting your application.
Flexible Installment Options for Big Purchases
For larger purchases, you can split your total into six equal payments. This option makes expensive items more affordable over time.
To use this feature, spend a minimum of $199.99 in a single transaction. Then, choose the Installment Plan option at checkout.
You must pay using your Walmart Rewards Mastercard. This option is available both in-store and on walmart.ca.
Important Cardholder Protections and Coverage
These cards include several protections at no extra charge. They help safeguard your purchases and personal finances.
- Zero Liability: Covers any unauthorized charges on your account.
- Balance Protection Plan: Helps cover your balance in case of death, illness, or job loss.
- Extended Warranty: Adds up to three extra years to the manufacturer's warranty.
- Purchase Assurance: Covers theft or damage within 90 days of purchase.
- Global Services: Access emergency cash and card replacement worldwide.
These benefits offer real peace of mind for everyday cardholders.
Extra Protection Products You Can Add
Walmart also offers optional insurance services for cardholders. These can be useful if you travel frequently or want added identity protection.
Optional Protection Features
- Accident Insurance: Pays a benefit if you suffer an unexpected accident.
- Travel Insurance: Helps if your trip is delayed or disrupted.
- InfoProtector360®: Monitors your credit and secures sensitive data.
- ID Assist: Gives tools to recover and protect your identity.
You can add these services during your application or through your account dashboard.
Mobile Wallet Compatibility
You can link your Walmart Rewards Mastercard to Apple Wallet or Google Wallet. This makes contactless payments faster and more secure.
Just add the card using the Apple or Android Wallet app. You can pay in-store, online, or in an app using your phone.
This feature also allows you to earn rewards on mobile purchases. Many users prefer this method for its speed and convenience.
Card Eligibility and Application Requirements
Before applying, make sure you meet the basic requirements. You’ll need to provide valid personal and financial info.
- Be a Canadian resident with a credit file
- Be of legal age in your province or territory
- Have proof of income and employment
- World Mastercard requires a stronger credit score
Approval is subject to a review by Fairstone Bank of Canada.
How to Contact Walmart Credit Card Services?
If you have questions or need help, you can contact support through several methods. Walmart and Fairstone offer assistance via phone and digital platforms.
- Customer Service Line: Check the back of your card for the number
- Online Help: Visit their website for FAQs
- Mail: Contact Fairstone Bank of Canada by post for formal inquiries
You can also manage your account online or through the Walmart mobile app.
Disclaimer: Information in this article is based on details available at the time of writing. Rates, terms, and promotions may change without notice. Please check the official Walmart Rewards Mastercard website for the most updated information.
Maximize Your Walmart Rewards Experience
Applying for the Walmart Credit Card online is a smart move if you shop often at Walmart. The process is simple, the approval is fast, and the rewards start immediately.
With strong earning potential and zero annual fees, the card fits many household budgets.
Choose the version that suits your needs and take full advantage of the included benefits.
