Is it hard to get a Capital One Walmart card?

Asked by: Daphnee Stiedemann  |  Last update: February 9, 2022
Score: 4.2/5 (31 votes)

There is no hard and fast number when it comes to the credit score required to get a Capital One Walmart Rewards™ Card or Walmart Rewards™ Card.

What credit score do you need for a Walmart card Capital One?

The Capital One Walmart Rewards® Mastercard® credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for the Walmart Credit Card.

Are Walmart cards hard to get?

It is not very hard to get a Walmart Credit Card. Walmart has credit card offerings for people with fair credit or better. ... Both cards accept applicants with fair credit, so a score of 640 or higher. Requirements also include being a U.S. resident and at least 18 years of age to get either card.

How can I get approved for a Walmart Capital One card?

Make sure your credit score is at least 640 if you want the Walmart Store Card, or 700+ for the Walmart Mastercard. Otherwise, your chances of instant approval will be slim.

Can I get a Walmart credit card with a 600 credit score?

Credit Score For Walmart Credit Card

Walmart reports that you're "more likely to be approved" for their Mastercard credit card with a score of 640 or higher. There are user reports of being approved with a score as low as 600. Ensuring your revolving balances are low and that you have less than six inquiries will help.

Walmart Credit Card Review 2021 - Walmart Mastercard & Walmart Rewards Store Card

22 related questions found

What credit score do you need for the Amazon credit card?

You must have a good credit score—at least 670—to be considered for either of the co-branded Amazon Signature Visa cards. Amazon also offers two store cards, but these cards are not credit cards. The cards are used for purchases on Amazon.com but eligible for use in Whole Foods markets.

Can my Walmart Capital One credit card be used anywhere?

The Capital One® Walmart Rewards™Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™Card can only be used for Walmart purchases (Walmart.com, in the Walmart App(s), in stores, and at Walmart and Murphy USA Gas Stations).

Does Walmart credit card do a hard pull?

Walmart does typically complete a hard credit check when determining the eligibility of store credit card applicants. ... An unsuccessful hard pull will make the applicant's credit score lower by 5-10%.

Is Capital One prequalify a hard pull?

Instead of a hard inquiry, pre-approval at Capital One uses what's known as a “soft inquiry.” A soft inquiry involves a simple review of your credit, which doesn't affect your credit score. And it isn't reported to lenders.

Does applying for a Walmart credit card affect credit score?

The Walmart Rewards Mastercard and its in-store credit card are issued by Capital One, and cardholders can earn rewards for shopping at Walmart. ... Data, such as your account balance and list of late payments, will appear on your credit history, which the credit bureaus use to calculate your credit score.

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

It can take 7-10 business days to get approved for a Walmart Credit Card if you're not approved instantly when you apply. Once you are approved, you will receive your Walmart Credit Card by mail within 10 business days. So from the moment you apply, it can take up to 20 business days to get the Walmart Credit Card.

Which credit bureau does Walmart use?

Walmart pulls information from all three major credit bureaus — TransUnion, Equifax, and Experian. Do you have inaccurate items on one of those reports & it's pulling your score down?

Is Capital One Walmart card a credit card?

The Capital One Walmart Rewards Mastercard is a co-branded cash back credit card. Unlike some retail cards, you're not limited to only purchases at Walmart. Since it's a Mastercard credit card, you can use it anywhere Mastercard is accepted — and you'll even earn bonus rewards in some non-Walmart categories.

What does your credit score need to be to get approved for a Walmart credit card?

What credit score is needed for a Walmart credit card? The Walmart Rewards Card specifies that it is looking for applicants with Excellent/Good credit. That generally specifies a credit score of 700 or higher.

Can I get a credit card with 540 credit score?

Credit Cards for a 540 Credit Score

The one thing anyone with a 540 credit score should do is open a secured credit card. Even if you don't use it to make purchases, a secured card can help improve your score by adding positive info to credit report on a monthly basis. It won't give you an emergency loan, though.

Does Capital One hurt your credit score?

With the pre-approval tool from Capital One, for example, you can find out whether you're pre-approved for some of Capital One's credit cards before you even apply. ... And it won't hurt your credit scores since it only requires a soft inquiry.

How can I get approved for Capital One?

You can get approved for a Capital One credit card if you are at least 18 years old, have proof of enough income to make your monthly minimum payment, and meet the specific card's credit score requirement. Capital One will also take into account your monthly housing payment, all sources of income, and other factors.

Does pre-approval hurt credit score?

Inquiries for pre-approved offers do not affect your credit score unless you follow through and apply for the credit. ... The pre-approval means that the lender has identified you as a good prospect based on information in your credit report, but it is not a guarantee that you'll get the credit.

What bank does Walmart Capital One use?

The Walmart Rewards Card cannot be used for online purchases at samsclub.com, or on Sam's Club's app or for purchases from in-store sellers. Capital One is the new provider of Walmart Rewards cards, as of Oct. 11, 2019; previously Synchrony Bank administered the cards.

Does Walmart do a credit check?

Walmart do not do a credit check on their employees. It is not required.

How often does Walmart credit card give increases?

We've seen reports that Walmart usually approves most requests for a credit limit increase after about 6 months of regular/successful payments; some have seen approvals earlier.

Can I pay my Capital One Walmart card at Walmart?

Yes, you can pay any Capital One credit card bill at Walmart.

Can I use my Walmart Capital One card at Target?

Only the Capital One® Walmart Rewards™ Card can be used everywhere Mastercard is accepted. Being Mastercard is one of the largest and most popular global networks, you can bet your card will be accepted most everywhere.

What credit score is needed for an Apple card?

What credit score do you need for the Apple Card? According to Apple, customers with a credit score lower than 600 might not be approved for the Apple Card. This means that some applicants with fair or average credit (scores ranging between 580-669) might be accepted for the Apple Card, while others might be declined.

What credit score do you need for PayPal credit?

The minimum PayPal Credit Card credit score required is 700, which is good credit. As long as you have at least good credit, you should qualify for the PayPal Credit Card. If you use PayPal and eBay a lot, or like to eat at restaurants, it's worth the hard inquiry.