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Walmart Discover Card
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Annual Percentage Rate (APR)

Interest Rate for Purchases and Balance Transfers: 22.90%
Minimum Interest Charge: $1.00
Periodic Financing Offers Available for 6, 12, 18, or 24 months with a minimum purchase of $150.

Credit Card Fees

Annual: None
Balance Transfer: $5 or 3% or amount transfer whichever is greater
Late Payment: Up to $35.00

Sign-up Bonus and Benefits

Receive a $25 statement credit if you spend over $75 the day you open the account.
  • Earn up to 1% cash back on all purchases
  • Receive $0.05 off each gallon purchased at Walmart stations


Apply Online or In-store
Issuer: Synchrony Bank
Where Can I Use This Card: At all Walmarts nationwide and everywhere Discover is accepted.
Click to Pay Your Bill Online


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.

Editor review

Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel May 05, 2014
#1 Reviewer  -   View all my reviews (21)

Do You Recommend This Credit Card?

Previously we didn't recommend this credit card, however the reward options have improved 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 GE Capital Retail Bank issued accounts, if you fail to pay off your entire balance before the end of the financing offer, you will be charged interest for each month that carried a balance.
Who Will Get the Most Out of This Credit Card
The person that is looking for an above average gas reward that they can use everywhere, and it comes with a cash back rewards program.

Is The Interest Rate Competitive

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 through Walmart.

How Do You Like the Rewards

One of the biggest advantages is the gas reward, which currently gives customers $0.05 off per gallon.

Cash Back Rewards

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 save.
Spent in a YearPercent of Cash Back
Up to $1,500.00.25
$1,500.01 to $3,000.00.50
Over $30001.00
Only if you spend more that three thousand dollars in a year will you earn one percent. Plus this rate resets every year on your accounts anniversary. After you accrue ten dollars in cash back you will receive a check in the mail.
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