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Walmart Makes New Credit Cards Usable Immediately

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Customers approved for a Walmart credit card can now use their card before it even arrives in the mail. The Walmart Pay feature of the company’s mobile app allows you to use new credit card immediately, both online and in stores.

To access the new line of credit, set up a Walmart online account, if haven’t done it already. Then add your temporary shopping pass credentials, which is provided when you’re approved for the card, to Walmart Pay. You’ll need to update Walmart Pay again when the physical card arrives.

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.

Walmart credit cards earn 3% cash back on purchases at the website, 2% on purchases from Murphy USA and Walmart gas stations, and 1% cash back on all other purchases, including those in Walmart stores.

Melissa Lambarena is a staff writer at NerdWallet, a personal finance website. Email: Twitter: @LissaLambarena.