by Hey there, savvy shopper! Are you always on the hunt for ways to save money at Walmart? Well, have I got news for you!
There’s this thing called the Walmart Card Offer prescreen credit card, and it might just be your ticket to some sweet savings.
But hold your horses – before you jump in, let’s take a good look at what this card is all about. Is it as good as it sounds? Who should get it?
And are there better options out there? Don’t worry, I’ve got you covered.
WalmartCardOffer com PreScreen
Let’s dive in and figure this out together!
What’s the Deal with This Walmart Card?
Alright, let’s start with the basics. The Walmart Card Offer prescreen credit card is exactly what it sounds like – a credit card from Walmart.
But here’s the kicker: it’s not just for any old Joe off the street. Nope, this card is special because it’s offered to people who’ve been “prescreened.”
That means Walmart thinks you might be a good fit for the card before you even apply.
Who’s It For?
Now, you might be wondering, “Is this card for me?” Well, here’s the scoop:
- If you shop at Walmart a lot (and I mean a lot), this card might be worth a look.
- It’s for folks who are at least 18 years old and live in the good ol’ USA.
- If you’ve got a credit score that’s not so high, you might want to look elsewhere. This card is pickier than your grandma at a buffet.
The Good Stuff: What You Get
Okay, let’s get to the juicy part – what does this card do for you? Here’s the breakdown:
- Cash Back at Walmart.com: You get a whopping 3% back when you shop at Walmart.com. Not too shabby!
- Gas Savings: Need to fill up your tank? You’ll get 2% back at Walmart and Murphy USA gas stations.
- Everything Else: For all your other purchases, you’ll still get 1% back.
- No Annual Fee: That’s right, you won’t pay a penny just to have this card in your wallet.
Here’s a handy table to break it down:
| Where You Shop | Cash Back |
|---|---|
| Walmart.com | 3% |
| Walmart/Murphy USA Gas | 2% |
| Everywhere else | 1% |
How to Get Your Hands on This Card?
So, you’re thinking this card might be for you. Great! Here’s how you can apply:
- Check Your Mail
- If you’ve been prescreened, you might get an offer in the mail. Look out for it!
- Go Online
- Head over to www.walmartcardoffer.com/prescreen. That’s where the magic happens.
- Have Your Info Ready
- You’ll need a few things:
- That special 11-digit acceptance number (it’s like a golden ticket!)
- Your last name
- Your annual income
- Your date of birth
- Your phone number
- You’ll need a few things:
- Cross Your Fingers
- Even if you’re prescreened, it’s not a done deal. Walmart will still check you out before giving you the thumbs up.
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The Good, The Bad, and The Walmart
Now, let’s get real for a minute. Every credit card has its ups and downs. Here’s the lowdown on the Walmart card:
The Good Stuff:
- Cash Back: Who doesn’t love free money? And 3% back at Walmart.com is nothing to sneeze at.
- No Annual Fee: Your wallet won’t get any lighter just for having this card.
- Easy to Use: You can pay your bill right at Walmart. How’s that convenient?
The Not-So-Good Stuff:
- Limited Rewards: That 3% is only for Walmart.com. In-store? You’re out of luck.
- No Sign-Up Bonus: A lot of cards give you a little extra for signing up. This one? Nada.
- High Interest: If you don’t pay your bill in full, watch out! The interest can bite.
How It Stacks Up?
Now, you might be wondering, “Is this the best card out there?” Well, let’s see how it compares to some other options:
- Capital One Cards: These guys offer a bunch of different cards. Some give you cash back on everything, not just at one store.
- Fortiva Credit Card: If your credit is not great, this might be an option. But watch out for fees!
- Maurices VIP Credit Card: Shop at Maurices a lot? This card might be worth a look.
- Exxon Mobil Rewards Plus: If you’re always filling up your gas tank, this card could save you some serious dough.
- American Express Magnet: This one’s got a sweet sign-up bonus and no annual fee. Pretty tempting, right?
- Shell Fuel Rewards: Another good one for the road warriors out there.
Here’s a quick comparison:
| Card | Best For | Sign-Up Bonus |
|---|---|---|
| Walmart Card | Walmart.com shoppers | None |
| Capital One Cards | General cash back | Varies |
| Fortiva | Bad Credit | None |
| Maurices VIP | Maurices shoppers | Varies |
| Exxon Mobil Rewards Plus | Gas buyers | 100 points |
| AMEX Magnet | General rewards | $250 |
| Shell Fuel Rewards | Gas buyers | Fuel savings |
What do the Experts say?
Now, don’t just take my word for it. Let’s see what the pros think about this card:
- CreditKarma: They give it a measly 1.5 out of 5. Ouch!
- WalletHub: A bit better at 3.4 out of 5.
- ValuePenguin: They’re more positive, giving it a 74% rating.
- CreditCards.com: Another 3.4 out of 5.
- CardRates: Not so hot, with a 2.7 rating.
- NerdWallet: They’re not fans, mainly because the 3% is only for Walmart.com.
The Application Process: Step by Step
Let’s say you’ve decided to go for it and apply for this card. What exactly does that look like? Here’s a detailed walkthrough:
- Check Your Mailbox
- Look for a prescreen offer from Walmart
- No offer? No problem! You can still apply
- Get Your Info Ready
- Find your 11-digit acceptance number (if you have one)
- Gather your social security number, annual income, birth date, and phone number
- Visit the Website
- Go to www WalmartCardOffer com PreScreen
- Make sure it’s the real deal – watch out for scams!
- Fill Out the Form
- Enter your information carefully
- Double-check before you submit
- Wait for an Answer
- You might hear back right away
- If not, give it a few days
- If You’re Approved
- Your card will arrive in 7-10 business days
- Activate it as soon as you get it
- If You’re Denied
- Don’t worry – there are plenty of other cards out there
- You’ll get a letter explaining why
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The Rewards Program: A Closer Look
We’ve talked about the rewards, but let’s dig into how they work:
- 3% Cash Back at Walmart.com
- This includes grocery pickup and delivery
- But remember, it doesn’t count for in-store purchases
- 2% Cash Back on Gas
- This works at Walmart and Murphy USA gas stations
- It doesn’t apply to other gas stations, so keep that in mind
- 1% Cash Back Everywhere Else
- This is your catch-all category
- It’s not the best rate out there, but it’s something
Here’s how the cashback works:
- You earn “statement credits” for your purchases.
- These credits show up on your monthly statement.
- They reduce the amount you owe.
- If your credits are more than you owe, you’ll get a check or account credit.
Let’s look at an example:
| Purchase | Amount | Cash Back |
|---|---|---|
| Walmart.com order | $100 | $3 |
| Gas at Walmart | $50 | $1 |
| Groceries at another store | $100 | $1 |
| Total Cash Back | $5 |
In this scenario, you’d get $5 off your next credit card statement. Not too shabby for just doing your regular shopping!
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The Fine Print: Fees and Interest
Now, let’s talk about the not-so-fun stuff: fees and interest. Here’s what you need to know:
- Annual Fee
- $0 (That’s good!)
- Late Payment Fee
- Up to $38 (Ouch! Pay on time to avoid this.)
- Interest Rate
- As of 2023, it’s pretty high. We’re talking about 26.99% variable APR.
- “Variable” means it can change based on the market.
- Minimum Interest Charge
- If you’re charged interest, it’ll be at least $1.
- Even if you only owe a few cents in interest, they’ll round up to $1.
- Foreign Transaction Fee
- 3% of each transaction in U.S. dollars.
- If you travel internationally, this isn’t the card to take with you.
The Perks Beyond Cash Back
While the cashback is the main attraction, there are a few other perks worth mentioning:
- Special Financing Offers
- Sometimes Walmart offers special financing on big purchases.
- Be careful with these! If you don’t pay off the full amount in time, you could get hit with a lot of interest.
- Free FICO Score
- You can check your FICO credit score for free.
- This is a nice perk to help you keep an eye on your credit health.
- Zero Liability Protection
- You’re not responsible for unauthorized charges.
- But you need to report them promptly!
- Digital Wallet Compatible
- You can add this card to Apple Pay, Google Pay, or Samsung Pay.
- This makes checkout a breeze, especially for online purchases.
Who Should Get This Card (And Who Shouldn’t)
Let’s break down who this card is really good for, and who might want to look elsewhere:
This Card Might Be Great For You If:
- You shop at Walmart.com all the time.
- You frequently buy gas at Walmart or Murphy USA.
- You’re looking for a store card with no annual fee.
- You want a simple rewards program without too many categories to track.
You Might Want to Skip This Card If:
- You prefer to shop in-store at Walmart.
- You’re looking for a card with a sign-up bonus.
- You want higher cash-back rates on all purchases.
- You carry a balance from month to month (that high interest rate will hurt!).
- You travel internationally often.
Alternatives Worth Considering
If you’re not sold on the Walmart Card, here are some alternatives that might be a better fit:
- Target RedCard
- 5% off at Target and Target.com
- No annual fee
- Great if you’re more of a Target shopper
- Amazon Prime Rewards Visa Signature Card
- 5% back at Amazon and Whole Foods (for Prime members)
- 2% back at restaurants, gas stations, and drugstores
- 1% back on all other purchases
- No annual fee (but requires Prime membership)
- Citi Double Cash Card
- 2% cash back on all purchases (1% when you buy, 1% when you pay)
- No annual fee
- Great for simplicity and higher overall rewards
- Chase Freedom Unlimited
- 1.5% cash back on all purchases
- 3% on dining and drugstore purchases
- 5% on travel purchased through Chase
- No annual fee
Here’s a quick comparison:
| Card | Best Feature | Annual Fee |
|---|---|---|
| Walmart Card | 3% at Walmart.com | $0 |
| Target RedCard | 5% at Target | $0 |
| Amazon Prime Rewards | 5% at Amazon/Whole Foods | $0 |
| Citi Double Cash | 2% on everything | $0 |
| Chase Freedom Unlimited | 1.5-5% tiered rewards | $0 |
Wrapping Up: Is the Walmart Card Right for You?
So, there you have it – the full scoop on the Walmart Card Offer. Is it the best card out there? Not for everyone.
But if you’re a frequent Walmart.com shopper, it could put some extra cash in your pocket. Just remember to pay your bill on time and in full to avoid those hefty interest charges.
Before you decide, think about your shopping habits and compare this card to others. There might be a better fit out there.
Whatever you choose, use your credit wisely. A credit card is a tool – it can help you build credit and earn rewards, but only if you use it responsibly.
