Does Walmart Have A Credit Card Now? | What It Offers

Yes, Walmart offers credit cards in the U.S., including a Walmart-focused option and a Mastercard you can use beyond Walmart.

Walmart still has credit cards, and the setup has shifted since the older Capital One partnership. If you’re shopping for a new card today, what you’ll see is tied to OnePay, a Walmart-backed finance app, with Synchrony as the issuer for the latest program.

This guide breaks down what “a Walmart credit card” means right now, how to spot the version you’re looking at before you apply, and how to decide if it’s worth a spot in your wallet.

Does Walmart Have A Credit Card Now? What’s Available

In the United States, Walmart’s newer card program runs through OnePay and is issued by Synchrony. The general-purpose version runs on the Mastercard network, so it can be used anywhere Mastercard is accepted. Walmart summarizes the earn structure and Walmart+ tie-in on its OnePay CashRewards Card details page.

When you hear “Walmart credit card,” you’re usually talking about one of two types:

• General-purpose Mastercard: works at Walmart and beyond, suited to mixed spending.
• Store-only card: works only at Walmart and Walmart.com, suited to Walmart-first spending.

If you live outside the U.S., Walmart-branded cards can be run by a separate local program. So, always match advice to your country and the issuer name shown on the application screen.

Walmart Credit Card Options Right Now In The U.S.

The clearest official explanation of the current setup comes from the issuer. Synchrony’s announcement spells out the OnePay partnership, the embedded in-app experience, and the two-card structure: a general-purpose Mastercard plus a private-label card for Walmart-only use. See Synchrony’s OnePay-Walmart card program announcement for the issuer’s language on how the program is organized.

What You’ll Notice During Sign-Up

Older retail cards often had a single “apply” page that stayed stable for years. The newer flow is more app-centered, and that shifts what you should double-check:

• The issuer name on the offer screen
• The network logo (Mastercard, if present)
• Where you’ll manage payments and alerts

How The Two Card Types Usually Differ

The general-purpose Mastercard is built for flexibility. The store-only version is built for focus. That difference shows up in where you can use the card and, at times, in approval routing.

General-purpose Mastercard

Pick this if you want one card for a lot of purchases, then still want boosted rewards when you check out at Walmart. It also keeps things simple if you don’t want a separate store card that only works in one place.

Store-only card

Pick this if you mainly want savings tied to Walmart purchases and you don’t care about using the card elsewhere. Some applicants may be routed to a store-only offer after the issuer reviews the application.

What Happened To The Capital One Walmart Cards

Many people still hold a Capital One Walmart account from the older program. Those accounts are managed under Capital One until the account terms change or the issuer converts the product. Capital One still publishes a Walmart Rewards card agreement with pricing and disclosures, which helps you identify the legacy terms and structure. You can view the Capital One Walmart Rewards card agreement (PDF) for the disclosures tied to that older setup.

So, a fast mental model is this: existing Capital One accounts are “legacy,” and new sign-ups are “OnePay/Synchrony.” Before you apply, confirm which system you’re joining.

Rewards, Fees, And The Cost That Can Eat Your Cash Back

Rewards are only a win when you pay your statement in full. If you carry a balance, interest charges can outrun cash back fast. That’s why this decision starts with how you pay, not how you earn.

How Rewards Usually Stack Up

Walmart’s current earn pitch centers on higher rewards at Walmart, with a bigger rate for Walmart+ members. Non-members can still earn, just at a lower rate. If you already have Walmart+, the member earn rate can be a clean fit because you’re not adding a new subscription just to chase a higher percentage.

Where A Walmart-Focused Card Can Make Sense

A Walmart card tends to shine when Walmart is a heavy chunk of your monthly spending: groceries, household basics, pharmacy pickups, and online orders. If your spend is split across many stores, a flat-rate cash-back card may be easier.

Comparison Table: Which Option Fits Your Shopping Pattern

Use this as a quick filter. It’s not a ranking. It’s a way to match a card type to your habits.

Option	Where It Works	Best Fit
OnePay CashRewards card (U.S.)	Anywhere Mastercard is accepted	Walmart shoppers who also want one card for mixed spending
OnePay store-only card (U.S.)	Walmart stores and Walmart.com	Walmart-first spending with no need for use elsewhere
Legacy Capital One Walmart account	Depends on product type and account status	Existing cardholders who want to keep the current setup for now
Flat-rate cash-back card	Broad acceptance, varies by network	People who want one simple earn rate everywhere
Grocery-focused cash-back card	Broad acceptance, varies by network	Households with heavy grocery spend outside Walmart
Fuel-focused cash-back card	Broad acceptance, varies by network	Drivers whose budget is dominated by fuel
Debit plus strict budgeting	Where debit is accepted	Anyone avoiding interest while building steady habits
Card you already own	Where your network is accepted	People whose current card already beats the Walmart earn rate

How To Confirm You’re Applying For The Right Version

Branding can stay the same while issuers and terms shift. Use these checks on the offer screen before you submit:

1. Issuer name: Synchrony signals the OnePay-linked program; Capital One signals a legacy account flow.
2. Network logo: Mastercard usually signals use beyond Walmart; no logo often signals store-only use.
3. Rewards trigger text: Walmart+ language signals a membership-linked earn rate.
4. Account management: confirm where payments, statements, and alerts live.

Approval Basics: What Issuers Look At

No issuer publishes a single score that guarantees approval. Most reviews weigh your on-time payment history, current card balances, recent applications, and stated income. A store-only card can be an entry point for some shoppers, yet it can still carry a high purchase APR.

Moves That Usually Help

• Pay every account on time
• Bring balances down before applying
• Space out new applications
• Report income accurately, including eligible household income when allowed

Issues That Often Cause Denials

• Recent late payments, charge-offs, or collections
• High utilization across multiple cards
• Thin credit file with little track record
• Several hard inquiries in a short window

If you want to check your credit reports before you apply, use the official U.S. portal at AnnualCreditReport.com and look for errors, wrong balances, or accounts that aren’t yours.

Account Safety And Day-To-Day Management

A store-linked card is only pleasant to use when you keep control of it. Turn on purchase alerts, set a payment reminder a few days before the due date, and review each statement line by line. Small test charges and subscription renewals are where problems often hide.

If you spot a charge you don’t recognize, report it right away through the issuer’s app or phone channel listed on your statement. Also consider keeping the card saved only in places you trust, then removing it from old accounts you no longer use.

One more tip that saves headaches: keep your email and mobile number current on the account. When your issuer can reach you fast, you’ll catch suspicious activity sooner and you’ll have an easier time resetting access if you get locked out.

Second Table: Pre-Apply Checklist That Prevents Regret

This checklist is the fastest way to avoid the “wrong card” problem.

Check	What To Look For	Why It Matters
Issuer	Synchrony / OnePay or Capital One	Sets who runs the account and how you pay
Where it works	Mastercard logo or store-only wording	Decides if you can use it beyond Walmart
Rewards rules	Walmart+ member rate vs. non-member rate	Keeps your reward math honest
Fees	Annual fee and late fee disclosures	Fees can erase rewards fast
APR terms	Purchase APR range on the offer page	Shows the cost if you carry a balance
Payment tools	Autopay options and alerts	Makes it easier to avoid late payments

Rules For Using A Walmart Card Without Losing Money

These guardrails keep a store-linked rewards card from turning into an expensive habit.

Pay It Like A Utility Bill

If you can, set autopay for the full statement balance. If that’s not workable, set autopay for the minimum and schedule a second payment mid-month. Two smaller payments can keep balances from creeping up.

Use It Only Where It Wins

Use the Walmart card for Walmart purchases and any bonus category it clearly beats. Use a different card for categories where you already earn more. That split keeps rewards strong without forcing extra spending.

Watch The Walmart+ Tie-In

If your earn rate depends on Walmart+, track renewal dates. If you stop using the membership and forget to cancel, your card’s top earn rate can drop while the subscription keeps charging.

A Five-Minute Decision Method

1. Add up your Walmart spend from last month.
2. Decide if you pay cards in full each month. If not, focus on debt payoff first.
3. Check if you already pay for Walmart+ and plan to keep it.
4. On the offer screen, confirm issuer and where the card works.
5. Apply only if the offer matches your spend and your payment habits.

If Walmart is a steady part of your budget and you pay in full, a Walmart-branded card can be a clean way to earn cash back on purchases you were already making.