by Are you a frequent Walmart shopper? Do you want to save money on your purchases? If so, you might be interested in the Walmart Credit Card.
This card offers cash back on Walmart purchases and comes with other perks. In this article, we’ll take a deep dive into the Walmart Card Offer.com/Prescreen program.
We’ll cover how to apply, the benefits, and what other people are saying about it. Let’s get started!
Walmart is a big name in retail. Many people shop there for groceries, clothes, and household items. The Walmart Credit Card is designed for these regular shoppers.
It gives them a chance to earn rewards on their purchases. The card is issued by Synchrony Bank, a well-known name in the credit card world.
The Walmart Card Offer.com/Prescreen is a way for some people to apply for this card. If you got an offer in the mail, it means you’ve been pre-approved.
This can make the application process easier. But even if you didn’t get an offer, you can still apply for the card.
WalmartCardOffer com Prescreen
In this guide, we’ll walk you through everything you need to know about the Walmart Credit Card.
We’ll look at how to apply, what benefits you can get, and what other cardholders think about it.
We’ll also compare it to some other credit cards to help you decide if it’s right for you.
Whether you’re a Walmart super-fan or just someone looking to save a little money, this article will give you all the info you need.
So, let’s dive in and learn more about the Walmart Card Offer.com/Prescreen!
Walmart Card Offer.com/Prescreen Credit Card Highlights:
Before we get into the details, let’s look at the main points of the Walmart Credit Card:
- It’s meant for people who shop at Walmart often.
- You need to be at least 18 years old and live in the United States to apply.
- If you got a pre-approval offer, you’ll need an 11-digit acceptance number.
- The card gives you cash back on your Walmart purchases.
- There’s no annual fee.
- It’s issued by Synchrony Bank.
These are the basics, but there’s a lot more to know. Let’s break it down further.
Who Can Apply?
The Walmart Credit Card is for:
- U.S. residents
- People 18 years or older
- Those who shop at Walmart regularly
What You Need to Apply
If you got a pre-approval offer, you’ll need:
- The 11-digit acceptance number from your offer
- Your last name
If you didn’t get an offer, you can still apply, but your chances of approval might be lower.
Credit Score Requirements
Walmart doesn’t say exactly what credit score you need. But here’s what we know:
- If you got a pre-approval offer, your odds are good
- If you have bad credit, you might want to look at other cards first
- Even with a pre-approval, you’re not guaranteed to get the card
Now that we know the basics, let’s look at how to apply.
How to Apply?
Applying for a Walmart Credit Card is pretty simple. Here’s what you need to do:
- Go to the website: Visit www.walmartcardoffer.com/prescreen
- Follow the instructions: The website will guide you through the process
- Enter your information: You’ll need to provide: Your acceptance number (if you have one) | Your last name | Your annual income | Your date of birth | Your phone number
Steps to Apply
- Open your web browser
- Type in www.walmartcardoffer.com/prescreen
- Click on the “Apply Now” button
- Enter your 11-digit acceptance number (if you have one)
- Type in your last name
- Fill in the rest of your personal information
- Review your application
- Submit your application
What Happens Next?
After you submit your application:
- Walmart and Synchrony Bank will review it
- They’ll check your credit score and other factors
- You’ll get a decision, usually within a few minutes
- If approved, you’ll get your card in the mail in 7-10 business days
Tips for Applying
- Double-check all your information before submitting
- Make sure you have a stable internet connection
- Have your details ready before you start
- If you get stuck, you can call 1-877-294-7882 for help
Now that we know how to apply, let’s look at what benefits you can get with this card.
Walmart Card Offer.com/Prescreen Credit Card Benefits
The Walmart Credit Card comes with several benefits. Here’s a breakdown of what you can get:
Cash Back Rewards
- 3% cash back on Walmart.com purchases
- 2% cash back on fuel at Walmart and Murphy USA gas stations
- 1% cash back on all other purchases
How Does the Cash Back Work?
- Your cashback comes as a statement credit
- This means it reduces your bill, rather than giving you actual cash
- There’s no limit to how much cash back you can earn
Other Benefits
- No annual fee
- Special financing options on some purchases
- Up to $100 cash back at Walmart checkouts
- Ability to make payments at Walmart stores
Let’s break down these benefits in more detail:
Cash Back Rewards
The main draw of this card is the cashback. Here’s how it works:
- 3% on Walmart.com: This is the highest reward rate. It applies to anything you buy on Walmart’s website.
- 2% on Fuel: This applies at Walmart and Murphy USA gas stations. It’s a nice perk if you drive a lot.
- 1% on Everything Else: This isn’t the best rate out there, but it’s better than nothing.
Example of Cashback Earnings
Let’s say you spend:
- $500 on Walmart.com
- $200 on gas at Walmart
- $300 on other purchases
Your cashback would be:
- $15 (3% of $500)
- $4 (2% of $200)
- $3 (1% of $300)
Total cashback: $22
-
No Annual Fee
This is a big plus. Many reward cards charge an annual fee, but this one doesn’t. That means you can earn rewards without paying extra each year.
-
Special Financing
Sometimes, Walmart offers special financing on big purchases. This might mean no interest if you pay off your purchase within a certain time. But be careful – if you don’t pay it off in time, you could owe a lot in interest.
-
Cash Back at Checkout
You can get up to $100 cash back when you check out at Walmart. This is like using your card at an ATM but without the fees.
-
In-Store Payments
You can pay your bill at any Walmart store. This is handy if you prefer to pay in person. Just remember it can take up to 48 hours for the payment to post to your account.
Now that we’ve looked at the benefits, let’s see what other people are saying about this card.
Walmart Card Offer.com/Prescreen Reviews 2024
It’s always a good idea to see what other people think before you get a credit card. Here’s what some review sites say about the Walmart Credit Card:
Credit Karma
- Rating: 1.5 out of 5
- Based on 136 votes
- This is a pretty low rating
WalletHub
- Rating: 3.4 out of 5
- Based on 678 reviews
- This is a more positive rating
ValuePenguin
- Rating: 74%
- Review by Editor
- This is a fairly good rating
CreditCards.com
- Rating: 3.4 out of 5
- This matches the WalletHub rating
CardRates
- Rating: 2.7 out of 5
- Review by Ashley Dull
- This is a middle-of-the-road rating
NerdWallet
- Not a fan of the card
- They don’t like that the 3% rate only applies to Walmart.com purchases
Let’s break down what people like and don’t like about this card:
Pros
- No annual fee
- Good rewards for Walmart.com purchases
- Useful for frequent Walmart shoppers
- Easy to make payments at Walmart stores
Cons
- Low rewards for in-store purchases
- High interest rate if you carry a balance
- No sign-up bonus
- Not great for people who don’t shop at Walmart often
What Cardholders Say
- Some people love the cash back on Walmart.com purchases
- Others wish the 3% rate applied in Walmart stores too
- Many find the card useful for big Walmart purchases
- Some complain about high interest rates
- A few mention poor customer service experiences
Remember, everyone’s experience is different. What works for one person might not work for another. It’s important to think about your spending habits when considering this card.
Now that we’ve seen what others think, let’s look at our verdict on this card.
Walmart Card Offer.com/Prescreen Verdict?
After looking at all the details, here’s what we think about the Walmart Credit Card:
The Good
- 3% cash back on Walmart.com is pretty good
- No annual fee means you’re not paying to use the card
- It’s useful if you shop at Walmart.com a lot
The Not-So-Good
- The 3% rate doesn’t apply in Walmart stores
- There’s no sign-up bonus
- The rewards aren’t great for non-Walmart purchases
Our Recommendation
We can’t fully recommend this card. Here’s why:
- The best rewards only apply to Walmart.com purchases
- You can find better all-around reward cards
- It might be worth it if you spend a lot at Walmart.com, but not for everyone
Who Might Like This Card?
- People who shop at Walmart.com very often
- Those who want a simple cash-back card with no annual fee
- Walmart fans who want to earn rewards on their purchases
Who Might Want to Look Elsewhere?
- People who prefer to shop in Walmart stores
- Those who want high rewards on all purchases
- Anyone looking for a sign-up bonus
Walmart Card Offer.com/Prescreen Notes of Interest
Here are some extra details you might want to know about the Walmart Credit Card:
Contact Information
- Phone number: 1-877-294-7880
- Available: 24 hours a day, 7 days a week
Online Account Management
- Website: synchronycredit.com Walmart
- You can check your balance, make payments, and more
Fees to Know About
- Late payment fee: $38
- Annual fee: $0
- Minimum interest charge: $1 (if you’re charged interest)
Other Things to Note
- Walmart doesn’t offer a business credit card
- The card is issued by Synchrony Bank, not Walmart itself
- You can use the card anywhere, not just at Walmart
Important Dates
- Payment due date: At least 23 days after the end of each billing cycle
- Grace period: 23 days on new purchases if you paid your last bill in full
Credit Limit
- Your credit limit will depend on your credit history
- Walmart doesn’t publish a minimum or maximum limit
Foreign Transaction Fee
- This card does charge a fee for foreign transactions
- The fee is 3% of each transaction
Balance Transfers
- This card doesn’t offer balance transfers
These details are important to know if you’re thinking about getting this card. They can affect how much the card costs you and how useful it is.
Now, let’s look at some other credit cards you might want to consider.
Alternatives to the Walmart Credit Card
If you’re not sure the Walmart Credit Card is right for you, here are some other options to consider:
1. Exxon Mobil Rewards Plus Credit Card
This card is good for people who spend a lot on gas.
Benefits:
- 100 bonus points when you sign up
- 15 points per gallon for the first 30 days
- Good for frequent drivers
2. American Express Magnet Credit Card
This is a good all-around rewards card.
Benefits:
- $250 sign-up bonus
- No annual fee
- Good for various types of spending
3. Shell Fuel Rewards Credit Card
Another option for people who buy a lot of gas.
Benefits:
- Save up to 10 cents per gallon
- 10% Shell rebates on non-fuel purchases (up to $1,200 per year)
- 2% rebates on dining and groceries (up to $10,000 per year)
Now, let’s answer some common questions about the Walmart Credit Card.
FAQs:
Here are some questions people often ask about the Walmart Card Offer.com/Prescreen:
- 1. What is the Walmart Card Offer.com/Prescreen?
It’s a way for pre-approved people to apply for the Walmart Credit Card online.
- 2. Do I need to be pre-approved to apply?
No, but having a pre-approval offer might increase your chances of being accepted.
- 3. What credit score do I need?
Walmart doesn’t say exactly, but generally, you’ll need fair to good credit.
- 4. Can I use this card anywhere?
Yes, you can use it anywhere that accepts credit cards, but you’ll get the best rewards at Walmart.
- 5. How do I get my cashback?
Your cashback comes as a statement credit, reducing your bill.
- 6. Is there an annual fee?
No, this card has no annual fee.
- 7. Can I get cash back at Walmart stores?
Yes, you can get up to $100 cash back when you check out at Walmart.
- 8. How long does it take to get the card?
If approved, you should get your card in 7-10 business days.
- 9. Can I make payments at Walmart stores?
Yes, you can pay your bill at any Walmart store.
- 10. Is this a good card for building credit?
It can be, but there might be better options if that’s your main goal.
If you have more questions, you can always call the customer service number: 1-877-294-7880.
Now, let’s wrap up what we’ve learned about the Walmart Card Offer.com/Prescreen.
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Conclusion:
We’ve covered a lot about the Walmart Card Offer.com/Prescreen.
Here’s a quick recap:
- It’s a credit card for Walmart shoppers
- You get 3% cash back on Walmart.com purchases
- There’s no annual fee
- You can apply online, especially if you have a pre-approval offer
- Reviews are mixed, with some people loving it and others not so much
Is that right for you? That depends on your shopping habits. If you buy a lot from Walmart.com, this card could save you some money.
But if you prefer shopping in Walmart stores or don’t shop at Walmart much, you might want to look at other cards.
Remember, the best credit card is one that fits your lifestyle. Think about where you shop, what kind of rewards you want, and how you’ll use the card.
If you decide to apply, make sure you understand all the terms. Pay your bill on time and in full each month to avoid interest charges.
And if you’re not sure, it’s okay to take your time. Compare this card with others. Look at your spending habits. Make the choice that’s best for you.
Thank you for reading this guide to the Walmart Card Offer.com/Prescreen. We hope it helps you make an informed decision about whether this card is right for you. Happy shopping!
