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Customers approved for a Walmart credit card can use their card before it even arrives in the mail. The Walmart Pay feature of the company's mobile app allows you to use your new credit card both online and in stores as soon as you're approved.
Here's how it works:
The app works with iOS or Android phones. You can load all major credit, debit, prepaid or Walmart gift cards onto Walmart Pay. To make a purchase in a store, you use your phone to scan a QR code that appears at the register.
The has no annual fee and earns:
New cardholders also get 5% back on in-store purchases made with Walmart Pay in the first 12 months.
Rewards on the card are earned as points that can be redeemed for 1 cent apiece. A purchase at Walmart.com, for example, earns 5 points, or the equivalent of 5% cash back. You can cash in points to reduce your balance with a credit, apply them during online checkout to make purchases, redeem them for gift cards, or use them to book travel through Capital One.
The Walmart card is one of a number of credit cards that allow you to start using them as soon as you're approved. See our roundup of for other options.