That said, this card really only makes sense if you spend a substantial amount on purchases. And if you're approved for the World Elite Mastercard version of the card, you'll receive even more perks, including cell phone protection. Cardholders also earn 2% back in Walmart stores, at Murphy USA and Walmart gas stations, and on restaurants and travel, and 1% back on all other eligible purchases.įor a no-annual-fee card, the Capital One Walmart Rewards® Mastercard®† comes with surprisingly good benefits, including purchase protection, price protection, and extended warranty. You can use it anywhere Mastercard is accepted, and it earns strong rewards in certain categories - including 5% cash back at (including pickup and delivery) with no cap. The Capital One Walmart Rewards® Mastercard®† doesn't quite fit the store credit card mold. This is one of the reasons why we normally recommend avoiding store credit cards. You could also end up getting stung by exorbitant fees and interest if you end up carrying a balance, because one drawback of store cards is that they are notorious for charging extremely high rates. While it can be tempting to apply for a store credit card to get a discount upfront, in many cases, the benefits of opening a store card are short-lived. Store credit cards are usually not the best option if you want to maximize credit card rewards based on your spending. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities.Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Help Me Build Credit and our advertising partners may receive a commission from card issuers. Please see our Advertisement Disclosure for more details.Īdvertiser Disclosure: Help Me Build Credit has partnered with advertising partners for our coverage of credit card products. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please note: Although, I put a lot of effort to give my readers unbiased information. You can find out more on how we value points here You might need to be reward-savvy to achieve the proper value. *The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. Capital One physical credit cards cannot be expedited, only sometimes for replacement cards for a fee Quickest way to get my card: Your new card will be available in your Capital One app immediately after you get approved (you might need the 3 digit security code on the back of your card to access it, which means you must wait for your physical card to arrive). Reconsideration: If declined you can call 1 8 to be reconsidered (Capital One will usually only reconsider an application due to application error).Check application status: You can check your application status by calling 1 8 or 1 8.( Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one) Note, Capital One will only approve you for one credit card application within every six months. Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined. If you freeze one credit bureau you can still get approved (the credit bureau you freeze cannot be Transunion).Credit bureau: Capital One will usually pull your Experian, Transunion, and Equifax credit reports.You can only get approved for 1 Capital One card every 6 months (not always enforced).(This excludes co-branded credit cards like this one, the Capital One Walmart Rewards card.) Max cards: Capital One will only let you have a maximum of 2 personal Capital One branded credit cards.Recommended credit: Fair to good credit is usually needed.
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