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Walmart Discover Card

Written by Steven Merkel

Walmart Discover Card

Intro
APR


Intro
Period


Regular
APR


Annual
Fee


N/A N/A 22.90% None

Benefits:

  • Earn 1% cash back on all purchases
  • Receive $0.15 off each gallon purchase at Walmart stations
  • $20 off if you spend $100 the day your account opens
Walmart discover card

Quick Links

Apply Online

Pay Bill Online

Customer Service #
877-294-7880

Issuer: GE Capital
Retail Bank



Review

If you have read our review on the regular Walmart credit card, you could see that we are not big fans. We decided to go ahead and take a look at the Walmart Discover to see if it was any better than its sibling.

Where Can I Use It

At all Walmart locations and anywhere Discover is an accepted payment method. 

APR

Currently 22.90%[1]

The offered interest rate is above average where other store cards are concerned.  Where as other issuers will give you a range of rates, this is only one offered by Walmart. 

Gas Reward

One of the biggest advantages is the gas reward, which currently gives customers $0.15 off per gallon.[2] This reward changes throughout the year and presently is valid from April 1, 2013 until July 7,2013.

Cash Back Rewards Program
At first we thought the rewards program sounded average at one percent cash back, but then we dug a little deeper and found that it’s not a flat one percent on all purchases. Let’s break it down to see how much you actually get back.

Spent in a Year Percent of Cash Back
Up to $1,500.00
.25
$1,500.01 to $3000.00
.50
Over $3000.00
1.00

Only if you spend more than three thousand dollars in a year will you be earning one percent. Plus this resets every year. After you make ten dollars in cash back you will automatically be mailed a check.

Who This Card is For

The person that is looking for an above average gas reward that they can use everywhere, and comes with a cash back rewards program.

Overall Recommendation

We didn't recommend this credit card previously, however the outlook of the reward options has changed dramatically over the years, now you would be hard-pressed to find a card that offers the same range of benefits, including its excellent gas discount combined with it's average cash back and zero interest offer.

A note of caution; as with all GECRB issued cards, if you fail to pay off your entire balance before the end of the introductory offer, you will be charged interest for each month you carried a balance.

Citations

1. GECRB, (2013) "WMT eFOD Application" Retrieved May 13th 2013.

2. Wal-Mart Stores, Inc., (2013) "Walmart.com" Retrieved May 10th 2013.