Pay No Interest for 24 Months with these Walmart Credit Cards


Walmart offers two different credit cards: The Walmart® Discover® Credit Card and The Walmart Credit Card. Both cards offer savings on your gasoline purchases and have no annual fee. Let’s take a look at all the details.

Walmart® Discover® Credit Card

The Walmart® Discover® Credit Card is a cash back rewards card that can be used anywhere Discover is accepted. With this credit card offer you can earn up to 1% cash back on all purchases. The card gives no interest on purchases for $599 or more on electronic purchases if paid off in 24 months. Here’s an overview of what the card offers:

  • Earn up to 1% cash back on all purchases
  • Accepted everywhere you see the Discover® Network Acceptance Mark
  • Save 5¢ per gallon at participating Walmart gas stations in the U.S.
  • Receive your free monthly FICO® Score when you enroll in electronic statements online
  • Get a cash advance at the time of purchase
  • Pay no annual fee
  • $0 fraud liability

You can apply for the Walmart® Discover® Credit Card by completing an online application.

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Get 5% Cash Back Instead of 1%

If you are looking for a cash back card that earns more than 1% then consider the Discover it™ card which gives 5% cash back in rotating categories. The card also gives an introductory rate of 0% for 6 months. This works well if you need extra time to pay off the charges on a purchase and there are no dollar amount restrictions like with the Walmart® Discover® Credit Card. Check out our Discover it™ Card Review for more details.
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Walmart Credit Card

The Walmart Credit Card is a basic card that can be used at Walmart stores only. This card is not a cash back card, but it does offer some perks to cardholders. You can save 5¢ per gallon at participating Walmart gas stations in the U.S. and there is no annual fee.

  • Save 5¢ per gallon at participating Walmart gas stations in the U.S.
  • Receive your free monthly FICO® Score when you enroll in electronic statements online
  • Get a cash advance at the time of purchase
  • Pay no annual fee
  • $0 fraud liability

You can apply for the Walmart Credit Card by completing an online application.

Rates and Offers

Both Walmart Cards always have special rates that give you 0%. It’s important to check the offer before applying because they do change. Right now, you get 0% for 24 months on any electronic purchases totaling $599 or more. This offer is valid until February 8, 2013. This is perfect if you need some extra time to pay off your big purchase. The regular rate you receive is based on your creditworthiness.

The standard purchase APR is currently 9.87%, 15.87%, 18.87%, or 19.87%, based on your creditworthiness.

Credit Card Rewards

Both credit cards offer special bonus offers and rewards. Currently, when you open an account and make a purchase you get $20 back on a $100 purchase at Walmart.com. To qualify you have to apply online, make an online purchase and spend $100.

Walmart® Discover® Credit Card vs Walmart Credit Card

If you are interested in applying for the Walmart® Discover® Credit Card or the Walmart Credit Card visit the Walmart website.

Comments

  1. michael rawlins says:

    I would like to know if I can make a purchase of 299.00 at any time with my walmart discover card and get 12 months with 0 interest every time if I want.

    • Michael – The WalMart Discover card gives members 0% for the first 12 months on purchases of $299 or more. The 0% only applies for the first 12 months.

  2. can i apply 12 months with 0 interest by purchasing online with my new WalMart Discover card?

    • Jonex, that depends on the terms of the card. If you are unsure of the terms, you can call the telephone number on the back of the card and talk to a customer representative. They should be able to answer your questions.

  3. I have had my walmart (not discover) credit card for over 12 months and have already purchased over $300 of merchandise to receive the 12 months, in interest promotion. I have already paid the balance in full, but would like to use my walmart card again but would like to know if there is a possibility to receive the 12 months, no interest, seeings as my purchase will be, again, over $300.

    • Kellie – The 0% offer is only for the first 12 months. After the 12 months is up, the rate will be whatever you qualified for. Keep in mind you can always avoid interest charges by paying the card off in full each month. I know that doesn’t give you much time, but it is a way to not have to pay interest. Hope this helps!

      • I have had my walmart card for 6 years. I buy big ticket items all the time and get the no interest promotion. I have used the promotion many times hassle free/

  4. We received our Walmart Credit card after we responded to a mailing for the 0% interenst for 12 months minimum purchase of $299. We called to find out if we have to buy all $299 at one time and were told yes, and that we could buy online or at the store. We placed our order online, with some items being shipped directly to our home and some items delivered to the store. We went to pick up an item at the store yesterday and they could not find it. We went back today to pick it up and they still could not find it. So they credited our account. Since we were concerned about how this would impact our total purchase (which was $347), we called the number on the back of the card. The person we spoke to said the offer of $299 with 0% interest was only valid for purchases at the store and not online. We told them we were previously told it was applicable online. Now we do not know what is going to happen and if we should just cancel the rest of the orders, or return everything, as I think everything has shipped. I am so frustrated with Walmart now!

  5. Maria valdez says:

    I purchased a bike at walmart and it cost 254 using my walmart credit card how can i know if it is 6 months financing?

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