Does Walmart Take Credit Cards in 2022?

A credit card is one of the most common and convenient payment methods. It can be used in convenience stores, supermarkets, grocery, and home improvement stores.

When it comes to grocery stores, Walmart is an undefeatable name. It is easily the most popular store in its category.

But, the real question remains, does Walmart take credit cards? Here’s everything you need to know about it!

Does Walmart Take Credit Cards?

Yes, Walmart does accept credit cards as of 2022. It is easily one of the most popular payment methods at Walmart.

You can use a credit card for payment at any Walmart location. All of them support the most common payment options, such as debit or credit cards.

You can use Visa, American Express, and Mastercard credit cards.

Additionally, Walmart also has its own credit card. It is based on the Mastercard network and can be used in various other stores.

What Payment Options Does Walmart Offer?

Walmart offers gift cards, checks, Capital One Walmart credit cards, debit cards, credit cards, EBT, and PayPal as its most popular payment options.

You can also use Walmart Pay. It is an application that offers contactless payment. Other than that, Walmart also accepts bills. You can pay them with MoneyGram, CheckFreePay, etc.

If you want to divide your Walmart payment, you can do so too! Generally, this service is offered by Affirm. You can make up to 4 payments of a larger amount at Walmart.

Note that PayPal and Affirm are only available at checkouts. You can not save these 2 methods in your Wallet.

Does Walmart Accept International Credit Cards Online?

You can only use an international credit card powered by American Express, Discover, Mastercard, or Visa online at Walmart.

Other than these 4, no debit cards are supported by Walmart. It is also important to note that Walmart does not ship overseas.

Hence, if you are using an international credit card, it should be by the 4 names mentioned above.

Are you confused about whether your credit card will work or not? You can always go to your nearest Walmart and ask an employee for help or call their customer service.

Related: Does Walmart Take Cash App?

Does Walmart Take Mastercard Credit Card?

Yes, Walmart will take Mastercard and debit cards with the Mastercard logo, no questions asked.

The same can be said for Visa credit and debit cards. You can use any card at Walmart as long as it has the logo of Mastercard or Visa.

Only the American Express card has some restrictions. It is most commonly used in diners.

Hence, it has limitations when it comes to grocery stores like Walmart.

Does Walmart Accept Credit Cards for Money Orders?

Unfortunately, you can not pay with a credit card for money orders at Walmart.

When it comes to money orders, Walmart only accepts 2 payment methods. These are debit cards and cash.

One must fill out the form to buy a money order at Walmart. It includes your name and the name of the recipient.

Why is My Walmart Pay Being Declined?

Many users face timeout issues when paying with Walmart Pay. It is the most common reason why the transaction fails.

Walmart did a test of its Walmart Pay application in 2019. During that, they found many errors. All of them were server timeout or unavailability issues.

Therefore, the problem lies in the backend of Walmart’s system. It could be the reason why your Walmart Pay is being declined.

When faced with this issue, re-enter your payment information after a few minutes.

Can Walmart Block Your Card?

Yes, Walmart can block your card. However, this decision should have a legal basis.

As of 2022, Walmart holds the right to block your card or account. As a result, it would prevent any new purchases with the card.

Blocking the card could also lock cash advanced. Customers are also allowed to freeze their Walmart credit cards at will.

How Does a Walmart Credit Card Work?

The Walmart credit card works the same as any other credit card. However, it has benefits, such as 5% cash back on purchases.

You can use the Walmart credit card during checkout. It works the same as other credit cards with swiping.

The Walmart card has rewards for online shopping and pickup. Moreover, the rewards you get with the card have no annual fee.

What Stores Accept Walmart Credit Card?

The Walmart credit card is eligible for Walmart only. But, that means you can use it in thousands of Walmart locations, gas stations, and online stores.

Yes, you read that right. Walmart credit card is also available online shopping, including delivery and pickup. You can use it to get rewards.

In contrast, Walmart also has Captial One Rewards Card. Since it is powered by Mastercard, it can be used anywhere that accepts the Mastercard logo.

To Wrap Up

And that brings us to the end of this detailed guide on Walmart and credit cards. The popular grocery store chain does accept this payment method.

In fact, it takes various credit cards, including Visa and Mastercard. If that’s not feasible, you can also get a Walmart credit card. This way, you can earn rewards with every purchase.

Win cash backs, order groceries, save money and use the cash backs to buy your favorite products. At this point, it is safe to say this is as good as it gets with Walmart.