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The Daily Insight Hub

How do you know if you get approved for a Walmart credit card?

Author

Isabella Turner

Updated on February 01, 2026

Here’s how to check your Walmart credit card application status:

  • Call Walmart Credit Services.
  • Press 1 for service in English.
  • Press 1 for application status.
  • Press 1 if you applied online, 2 if in a store, or 3 for any other method.
  • Verify your identity with the Walmart representative.

What credit score do you need to get approved for the Walmart credit card?

640+
Here’s what you need to know about the Walmart Credit Card credit score: Both the Walmart Credit Card and the Walmart® Store Card require fair credit for approval. That means a score of 640+. The Walmart Credit Card can be used anywhere Mastercard is accepted.

How long does it take to get a Walmart credit card?

Walmart Credit Card applications are typically approved or denied instantly, or later the same day. But if you don’t get instant approval, it could take another week or two to hear back. For example, your application might get flagged as fraudulent. Or, Capital One might need more time to verify your information.

What are my chances of getting a Walmart credit card?

Your Walmart Credit Card approval odds are decent if you have at least a fair credit score and a steady income. The store card version can only be used at Walmart and the Mastercard can be used anywhere.

What credit score do I need for Amazon card?

What credit score do I need to qualify for the Amazon Prime Rewards card? The Amazon Prime Rewards Visa Signature Card is recommended for those with good to excellent credit, which generally means a credit score above 690.

Can I get a Walmart credit card with bad credit?

You probably can’t get a Walmart credit card with bad credit because it requires fair credit for approval. That means your chances are best if your credit score is 640+. That’s not to say getting a Walmart credit card with bad credit is impossible. That said, a Walmart credit card isn’t out of your reach forever.

What credit score is needed for a Amazon credit card?

640 or higher
The Amazon.com Store Card credit score requirement is 640 or higher; this means that you need at least fair credit to get this card. The better your credit score is, the higher your approval odds will be.

What bank does Walmart credit card use?

Capital One
Your Credit Score Matters Those with lower scores may qualify for the Walmart credit card, which is an affiliated, store-only card. Both cards are issued by Capital One, one of the major banks in the U.S.

Does Amazon do a hard credit check?

Yes, the Amazon Store Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months.

How do you check your Walmart credit card application status?

The only way to check your Walmart® Credit Card application status is to call Walmart Credit Services. That goes for both the Walmart® Store Card, which can only be used at Walmart, and the Walmart Mastercard. The issuer decides which version you get based on your credit when you apply.

How can I use my new Walmart credit card?

Customers approved for a Walmart credit card can use their card before it even arrives in the mail. The Walmart Pay feature of the company’s mobile app allows you to use your new credit card both online and in stores as soon as you’re approved. Apply for the Walmart card.

How long does it take to get approved for Walmart credit card?

Thank you for applying for the Walmart Credit Card. You will receive a decision on your application by mail within 7-10 days. If you have provided us with a valid email address, you may receive a response by email within 3-4 days I guess I’m not approved.

What should my credit score be for a Walmart credit card?

Credit score TU 636 EX 624 Approved for Capital One Walmart CC Had to verify via text msg: Image, back of Govt Issue I.D./Driver License Credit Score: 600Credit Limit: 300Age: 55-64 Approved 1 monthafter Bankruptcy Posted 11/07 2019 Overall Rating: