Walmart Rewards Mastercard

Synchrony Mastercard Pending

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0

Benefits

5

Reward Categories

5x

Max Reward

20.2%

APR From
Basic Information
PENDING

Program ID: onepay-walmart-mastercard

Issuer: Synchrony

Card Name: Walmart Rewards Mastercard

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:01

Last Scraped: Feb 17, 2026 07:03

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with the Servicemembers Civil Relief Act (SCRA), providing protections for active duty Servicemembers, including a 6% interest rate cap on pre-service obligations.

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
Walmart.com 5x Cash Back Purchases made on Walmart.com, including pickup and delivery. No Cap
Walmart In-Store 2x Cash Back Purchases made in Walmart stores. No Cap
Gas 2x Cash Back Purchases at Walmart & Murphy USA gas stations. No Cap
Restaurants 2x Cash Back Purchases at restaurants. No Cap
All Other Purchases 1x Cash Back All other eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 0.01x

Bonus Rate: 0.05x

Categories: 5% back at Walmart.com, 2% back at Walmart stores & gas stations

Quarterly Rotating: No

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 20.24% - 29.24%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Projected for 2026, the onepay-walmart-mastercard from Synchrony is expected to offer a sign-up bonus, typically a statement credit (e.g., $50-$100) after spending a specified amount (e.g., $500) within the first 3 months of account opening. Eligibility requirements are anticipated to include: being at least 18 years old (19 in AL and NE), a U.S. resident with a valid SSN or ITIN, and possessing a fair to good credit score (typically 640+ FICO) with a stable income. Applicants should not have a recent history of bankruptcy or significant delinquencies. Synchrony may also consider the applicant's existing credit relationships with them.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across multiple Synchrony accounts, frequent balance transfers without new spending, unusual spending patterns inconsistent with income, repeated late payments on any Synchrony product, or defaulting on other credit obligations.

Cliff Effect Rules: Synchrony generally assesses overall credit exposure across all its issued cards. While there isn't a strict 'card family' cliff effect like some major issuers, having a high total credit limit with Synchrony across multiple cards (e.g., Walmart, Lowe's, Amazon Store Card) can make it difficult to be approved for new Synchrony products or receive credit limit increases, as they manage their total risk exposure per customer.

Special Events: Expected special events include Black Friday, Cyber Monday, Walmart+ Week, seasonal sales (e.g., Spring Savings, Back-to-School), and potential exclusive cardholder-only discount days or early access to sales.

Holiday Promos: Major holiday promotion periods are anticipated around Valentine's Day, Easter, Mother's Day, Father's Day, 4th of July, Halloween, Thanksgiving, and the entire December holiday shopping season.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Excellent rewards for frequent Walmart shoppers, especially for online and pickup orders. Good for gas purchases at Walmart and Murphy USA stations. Easy application process and often provides instant approval for qualified applicants.

Top Negative:
High APR compared to other general-purpose cards. Customer service can be inconsistent. Rewards outside of Walmart are minimal (1%). Credit limits can be restrictive for some users.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Capital One SavorOne Cash Rewards Credit Card
  • Discover it Cash Back

Card Value Score: 72.0 / 100

Est. Annual Rewards: $252.00

Approval Probability: 82.0%

Version Control
PENDING

Version ID: v1.0