Can Walmart Cards Be Used Anywhere?

This article answers the question of whether Walmart credit cards can be used at locations beyond Walmart stores, offering information about the card's usage and restrictions.

Walmart offers two main types of credit cards: the Walmart Store Card and the Walmart Mastercard. The acceptability of these cards and where they can be used depends on the type of card you have:

  1. Walmart Store Card: The Walmart Store Card is a closed-loop or store-specific credit card. It can typically be used only at Walmart stores, Walmart Supercenters,, and affiliated Walmart-branded properties. This means you can use the Walmart Store Card to make purchases at Walmart and its related stores. It's not a general-purpose credit card and cannot be used at other non-Walmart retailers.

  2. Walmart Mastercard: The Walmart Mastercard, on the other hand, is an open-loop or general-purpose credit card. This card is issued by Synchrony Bank or Capital One (depending on the version) and is affiliated with the Mastercard network. As a result, the Walmart Mastercard can be used not only at Walmart locations but also at any other merchant that accepts Mastercard. You can use it for purchases at a wide range of retailers, both online and in-store, worldwide.

When applying for a Walmart credit card, it's essential to be clear on which version you're applying for (Store Card or Mastercard) and what your credit needs are. The Walmart Store Card can be beneficial if you primarily shop at Walmart and are looking for store-specific rewards and benefits, but it has limited use elsewhere. In contrast, the Walmart Mastercard offers more versatility, allowing you to use it at various merchants and potentially earning rewards on a broader range of spending.

Keep in mind that each version of the card may have its terms, conditions, interest rates, and rewards, so be sure to review the specific details associated with the card you're considering and choose the one that aligns with your preferences and spending habits.

Clarifying the usage options and restrictions of Walmart credit cards..

Walmart credit cards can be used at Walmart stores,, and Sam's Club locations. They can also be used at Murphy USA gas stations, but only for fuel purchases.

Walmart credit cards cannot be used at other merchants, such as Target, Amazon, or Costco. Additionally, Walmart credit cards cannot be used to purchase certain items at Walmart, such as money orders, gift cards, and travel services.

Here is a summary of the usage options and restrictions of Walmart credit cards:

Usage options:

  • Walmart stores
  • Sam's Club locations
  • Murphy USA gas stations (fuel purchases only)


  • Cannot be used at other merchants
  • Cannot be used to purchase money orders, gift cards, or travel services

It is important to note that the Walmart Mastercard can be used anywhere that Mastercard is accepted. However, the Walmart Credit Card can only be used at Walmart stores,, Sam's Club, and Murphy USA gas stations.

Here are some additional things to keep in mind when using a Walmart credit card:

  • Walmart credit cards are issued by Capital One.
  • Walmart credit cards have a variable purchase APR of 26.99%.
  • Walmart credit cards have an annual fee of $0.
  • Walmart credit cards offer rewards on in-store and online purchases.
  • Walmart credit cards can be used to make payments on and in Walmart stores.

If you have any questions about the usage options or restrictions of Walmart credit cards, you can contact Capital One customer service.