Does the Walmart Credit Card Approve Bad Credit? – There are two Walmart branded cards. And consumers can now choose between the two any one. A Walmart master card is there which can be used anywhere and it accepts the master card logo, and the next is Walmart credit card, which can only be used at Walmart stores, Sam’s Club stores, Walmart.com online and lastly at Murphy USA gas stations.
Each card has its own approval criteria just like a Guaranteed Loans for BadCredit, there are some requirements, and similarly here also one will accept the applicants with less than perfect credit scores. But the cards differ as to where they can be used when they both have similar features and benefits.
There is no annual fee and each of them will offer a cash back reward. Though the cash back rewards are thin, only on purchases which are made online at Walmart.com the bonuses are high. Compared to similar other cards, the late fees and interest rates are applicable which are on the high side in Walmart Credit Card Approve Bad Credit.
10 Better Cards for Bad Credit –
- Total Visa Card
For people with bad credit the credit cards are not the only cheapest option or more flexible cards around, but the application is easy and also the approval is fast. Total visa card is one of the examples. You will need to have a checking account and are required to pay a program fee upon approval, as well as an annual fee of $75 the first year and $48 a year after that.
With better features down the road like raising your credit score and qualifying for a credit, your payments shall be reported to the credit bureaus. So, this will give you an opportunity. And, since this is a Visa-branded card, it can be used at Walmart or anywhere that accepts Visa.
- Capital One Secured Mastercard
There is no annual fee in this card system. You also get access to higher credit line after making your first 5 monthly payments in time. It is one of the great choices for someone with bad credit. Additionally, it also helps build credit scores when used responsibly.
This secured card offers an initial minimum credit line of $200, and a maximum approved line of $1,000. The minimum security deposit is $49, $99, or $200, based on credit history and financial information you provide.
This card bears the Mastercard logo, so you can use it at Walmart or any other store which accepts MasterCards.
- Fingerhut Credit Account
You can now make purchases from the extensive online list of products with the help of this credit card, which is just like any other credit card. This is one of the great ways in rebuilding your credit as your payments will be reported to all the 3 credit bureaus. This card cannot be used at Walmart. So you can use this card to raise your score and qualify for a traditional credit card. The APR for purchases is rather high, so it’s best not to carry a balance on this card.
- First Access Solid Black VISA Credit Card
This is one of the options for those people with poor credit and it offers all the benefits of the visa network, means you can use it anywhere. It is being reported monthly to all 3 credit reporting agencies, and this will help you in rebuilding credit. And the best part about this is that it accepts those with bad scores.
On the other side, it comes with a high APR, + substantial fees that include 1 time program fee + annual fee + monthly servicing fee that starts after the 1st year. And the next part is that you can use this for Walmart purchases/anything which can help build credit.
- Surge Mastercard
Individuals with all credit types are welcome for this credit card. For people who make monthly on time payment and maintain balances below the credit limit, it helps them especially in rebuilding and building the credit. The card is unsecured, but if your credit score is really poor, approval may be contingent upon a $50, $100, $150, or $500 refundable security deposit. This is known as a partially secured card. It comes with a high APR, an annual fee, and monthly maintenance fees.
- Milestone Mastercard with Choice of Card Image at No Extra Charge
Prequalify for a card today and it will not impact your credit score, Less than perfect credit is okay, 24/7 access to your account information, even on mobile, Card designs to fit your personality at no extra charge, Account history is reported to the three major credit bureaus in the U.S.
- Indigo Platinum MasterCard Credit Card
Easy pre-qualification process with fast response, Less than perfect credit is okay, Online servicing available 24/7 at no additional cost, unsecured credit card, no security deposit required, Account history is reported to the three major credit bureaus in the U.S.
- Credit One Bank Unsecured Platinum Visa
1% cash back rewards on eligible purchases, Free online access to your Experian credit score, Automatic account reviews for credit line increases, Customization account notifications.
- Credit One Bank® Unsecured Visa® for Rebuilding Credit
1% cash back rewards on eligible purchases, Free online access to your Experian credit score, Automatic account reviews for credit line increases, Customization account notifications.
- Discover it Secured
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, Can be used anywhere Discover is accepted, No annual fee
The Bottom Line: Known for Deals, but Not its Credit Cards
You have better choices when it comes to credit cards. Any person who is questionable with credit, it cannot be guaranteed to that person that he/she may qualify even for Walmart Credit Card Approve Bad Credit and also Capital One® Walmart Rewards™ Card. Through recommendations for best credit card for bad credits, even the most difficult person can find many offers. And in that there are many such cards which will help you rebuild your credit, as you can gain access to some of the premium cards out there.
