If you have a Walmart credit card, it’s useful to know how to pay it off. How do you make a Walmart credit card payment?
There are several Walmart credit card payment options available for you. You can pay your Walmart credit card online, by phone, in person, or even by mail.
Read on to learn more about Walmart’s credit card payment options, including the steps for each payment method.
Walmart Credit Card Payment
You can easily make payments to your Walmart credit card online, by phone, by mail, or in person.
When Walmart introduced its Capital One Walmart Rewards Mastercard credit card, shopping has become even more convenient for consumers. Walmart customers do not only get to use their credit cards when shopping, but they also get to earn rewards points. Walmart, indeed, has an excellent Customer Loyalty Program.
So, how do you make a Walmart credit card payment? In this article, we will talk about all the payment options available for Walmart credit cardholders.
Walmart Credit Card Payment Options
There are several ways you can pay your Walmart credit card. Your options include the following:
- Online Payment
- Payment by Phone
- Paying in Person
- Payment by Mail
Let’s discuss each one of them:
1. Online Payment
To proceed with your Walmart credit card payment online, you first need to register an online account. Here are the steps to do so:
- Go to the Walmart website.
- Navigate to its credit card login page and select “Set Up My Account.”
- Indicate your personal information such as your last name, birth date, bank account details, and Social Security number
- Click or tap “Find Me.”
- Create a username and password
Once your account has been set up, you may now proceed with your Walmart.com credit card payment. Here are the steps:
- Navigate to the Walmart credit card login page
- Sign in by indicating your username and password
- Click or tap the “Make a Payment” tab
- Indicate the amount you want to pay, the payment date, and the source of funds
- Follow the next instructions to complete your transaction.
2. Payment by Phone
If you think paying by phone offers more convenience, Walmart makes sure this is an available option for you.
To proceed with your payment by phone, you may call the Capital One Customer Service Hotline number 877-294-7880. Their automated system is offered for free. This means that you will not incur any charges whether you use your landline or your mobile phone. However, if you choose to talk to a Customer Service representative, a fee of $10 applies.
Before you call, make sure that you have prepared the following information:
- Last four digits of your Walmart credit card account number
- Your bank account details, such as your bank account number and bank routing number
3. Paying in Person
Paying in person is another viable option. This is usually preferred by Walmart credit cardholders who have other inquiries about their credit cards. At the same time, those who frequently visit Walmart stores typically prefer this option too.
To pay in person, visit the Walmart Credit Services area. There are also self-serve kiosks in Walmart stores that you can use if you find this more convenient. If you are a Sam’s Club member, you may also conveniently pay your Walmart credit card bill at any Sam’s Club location.
When paying, make sure that your Walmart credit card is with you. You will need to present it to make a payment using this option.
4. Payment by Mail
They will deliver your Capital One Walmart Rewards credit card billing statement by mail. In every billing statement, there is a payment coupon attached. So that if you wish to pay by mail, you can simply tear off the coupon and mail it back together with your payment.
If you lose your payment coupon or want to pay your bill in advance, you can still pay by mail. Simply write your credit card account number at the back of your check or on your money order. Then, send it to Capital One using the following delivery address:
Attention: Payment Processing
P.O. Box 71083
Charlotte, North Carolina 28272-1083
You also have an option to make an express payment by mail. The delivery address is as follows:
Attention: Payment Processing
6125 Lakeview Road, Suite 800
Charlotte, North Carolina 28269
What to Do If My Credit Card Payment Is Late?
In every billing statement you receive, there is a corresponding due date that you need to meet. In case your payment gets delayed, there will be a fine that you need to pay.
You may, however, still pay using any of the abovementioned payment options. That way, you can still choose the most convenient payment option for you.
Where Can I Use My Walmart Credit Card?
If you have a Capital One Walmart Rewards Mastercard credit card, you can use it at almost any store you go to. You can use it at Walmart Stores, Walmart.com, Walmart Neighborhood Markets, and Sam’s Club. But, most importantly, you can use it at any store that accepts Mastercard.
If you’re not a Sam’s Club member, you may still use your Walmart credit card. However, you need to pay a service fee of 10%.
Why Should I Use a Walmart Credit Card?
The Capital One Walmart Rewards Mastercard credit card is widely accepted. However, it is mainly designed for Walmart customers. If you shop at Walmart, you will earn rewards that you won’t be able to earn if you shop elsewhere.
Since Walmart is encouraging online shopping, there are more rewards in store for digitally inclined consumers. For instance, if you shop via the Walmart website or app, you will earn 5 reward points for every dollar you spent.
Not only that, but you can also use your Walmart credit card when you travel. For your travel and dining purchases, you earn 2% rewards. Don’t worry about any foreign transaction fee as you will not be charged any. The fact that the credit card is a Mastercard allows you to use it worldwide.
Capital One Walmart Rewards Mastercard Bonus
In case you’re wondering if there are any cashback offers or any discounts when you use your Walmart credit card for the first time, there’s none. Walmart does not offer any traditional bonuses.
However, after signing up for a Walmart credit card, you are entitled to its 12-month promotional period. So, for all your in-store Walmart purchases using your credit card, you will earn 5 rewards points for every $1 spent. To quality, you must use your Capital One Walmart Rewards Mastercard through the Walmart Pay mobile app.
Rewards Earning Information
For your purchases done via the Walmart website or mobile app, you get to earn 5 points for every dollar spent. This applies to grocery pickup and delivery.
When you buy directly at Walmart stores, you get to earn 2 points for every dollar spent. This also applies when you gas up at Walmart and Murphy USA fuel stations, when you dine-in at restaurants and for your travel purchases.
For all other purchases, you get to earn one point for every dollar spent.
Rewards Redemption Information
The Capital One Walmart Rewards Mastercard credit card does not offer cashback. Instead, it allows you to redeem the points you have earned in the form of gift cards, ongoing statement credits, or travel purchases.
If you want a statement credit for a certain item you bought, you can get it upon request. Just make sure that you request within 90 days from the date of the transaction.
There are two ways of redeeming your points online. It can be through the mobile app or by coordinating with Capital Customer Service through their hotline number.
How Do I Maximize My Walmart Credit Card Rewards?
Once you get your Walmart credit card, there’s nothing else that you want to do with it but maximize its benefits. To do so, always use it when you shop at Walmart stores or when gassing up at accredited fuel stations. More than anything else, use it to shop via Walmart.com or the Walmart mobile app.
Make sure to download the Walmart Pay payment app too. Using it will make you eligible to join its introductory promotion of earning 5 points for every $1 spent.
Walmart Credit Card Standard Benefits
Here are the standard benefits that you can enjoy if and when you have a Walmart credit card:
- No foreign transaction fees
- Travel assistance services
- Complimentary concierge service
- Extended warranty protection
- Travel accident insurance
Can I Use My Capital One Walmart Rewards Mastercard Anywhere?
You may use your Capital One Walmart Rewards Mastercard credit card globally for as long as the merchants allow Mastercard as a payment method.
Walmart also offers a store-only credit card for its customers. You can use this card only at virtual and physical Walmart stores. It has its own terms and conditions about its rewards program and interest rate structure. It is not a Mastercard but offers convenience to Walmart customers.
Capital One Credit Card Customer Satisfaction
In the J.D. Power’s 2019 Credit Card Customer Satisfaction Study, Capital One ranked top three. It was behind American Express and Discover.
It provides 24/7 customer service to make it all convenient for its clients. Its Customer Service Hotline is 800-227-4825. There is also a Customer Service number at the back of your credit card, which you may refer to when you need to call them at any time.
Capital One also has an efficient website and mobile app. In fact, it ranked top two among all credit card issuers in the U.S., based on the 2019 U.S. Banking Mobile App Satisfaction Study conducted by J.D. Power.
Security Features of Walmart Credit Cards
Capital One credit has features that are standard among all major credit card issues. However, it offers additional security features for all its cardholders.
One of its best features is your ability to lock your credit card using the mobile app. This is useful, especially if you misplace your credit card. Then, you can unlock it once you have found your card.
Another best security feature is that Capital One allows cardholders to create virtual credit card numbers when doing online shopping. You have the option to create and assign a different credit card number for each online retailer. You can also lock and unlock your virtual credit card numbers anytime you need to.
What Credit Score Is Needed for a Walmart Credit Card?
If you have an Excellent/Good credit, you are most likely eligible to get a Capital One Walmart Rewards Mastercard. This means that you need a credit score of at least 600. If your credit score is below 600, they’ll likely disapprove of your Walmart Mastercard application.
However, if you can’t get a Capital One Walmart Rewards Mastercard, you can instead get a Walmart Rewards Card. It is Walmart’s store-only card which will also allow you to earn and redeem points.
Conclusion – Walmart Credit Card Payment Online, By Phone, In-Person
There are different methods in making a Walmart credit card payment. You can pay your Walmart credit card online, by mail, and in person. With these options, Walmart has made it all convenient for you.
Don’t worry if you can’t get a Capital One Walmart Rewards Mastercard. Walmart also offers a store-only card for its customers. Whichever type of card you get, you will have the opportunity to earn and redeem points.