Walmart Rewards Card

Synchrony Pending

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Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: onepay-walmart-private-label-credit-card

Issuer: Synchrony

Card Name: Walmart Rewards Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:03

Last Scraped: Feb 17, 2026 07:05

Apply URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA). Eligible Servicemembers may qualify for a 6% interest rate on Synchrony Bank credit card accounts opened prior to active duty.

Rewards Program (Detailed)
No Reward Data Available

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

Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 3x

Categories: 3% on Walmart.com purchases, 2% on fuel purchases at Walmart & Murphy USA stations, 1% on purchases in Walmart stores

Quarterly Rotating: No

Expiration Policy: Rewards do not expire as long as your account is open and in good standing.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by the end of the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The onepay-walmart-private-label-credit-card is a store-specific credit card issued by Synchrony, primarily for use at Walmart stores, Walmart.com, and associated brands within the United States. **Eligibility Requirements (for 2026):** * Applicants must be at least 18 years of age (19 in Alabama and Nebraska). * Must possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). * Must have a verifiable U.S. street address (P.O. Boxes are generally not accepted). * Must have a stable and verifiable source of income. * Creditworthiness: Synchrony will review the applicant's credit report. While store cards can sometimes be approved with fair or limited credit history, approval is subject to Synchrony's underwriting criteria. **Bonus/Benefits (Typical for Private Label Store Cards):** * Ongoing rewards or discounts exclusively for purchases made at Walmart and its affiliates (e.g., a small percentage back on all Walmart purchases, or special financing offers). * Exclusive cardholder promotions, early access to sales, or deferred interest options on qualifying purchases.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for ongoing benefits; no sign-up bonus spend interval.

Shutdown Risk Triggers: Common triggers for account review or shutdown by Synchrony include: high cumulative credit limit across multiple Synchrony accounts, excessive returns, unusual spending patterns inconsistent with typical consumer behavior at Walmart, missed or consistently late payments, suspected manufactured spending (though less common for a store card), and any activity deemed fraudulent or abusive of card terms.

Cliff Effect Rules: Holding the onepay-walmart-private-label-credit-card generally does not create a 'cliff effect' preventing eligibility for other Synchrony-issued cards or even the co-branded Walmart Mastercard. However, Synchrony may deny new applications if an applicant has too many existing accounts or a high overall credit exposure with the issuer, regardless of card type.

Special Events: Expect special cardholder-exclusive events such as: early access to major sales (e.g., Black Friday, Cyber Monday), exclusive discounts on specific product categories or brands, and special promotional financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases).

Holiday Promos: Key promotional periods typically align with major retail holidays: Black Friday/Cyber Monday (late November), Christmas/Holiday Season (November-December), Back-to-School (July-August), Mother's Day/Father's Day (May/June), and other national holiday sales (e.g., Memorial Day, Labor Day, New Year's).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy to get approved, offers good rewards for frequent Walmart shoppers, especially online purchases. Useful for building credit.

Top Negative:
Only usable at Walmart and Walmart.com, high APR, customer service can be inconsistent, rewards structure can be confusing after the first year.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Target RedCard (Store Card)
  • Amazon Store Card
  • Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $130.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: October 2023