How to Apply for the Walmart Credit Card (OnePay)

Phone showing a credit card application form with a green check mark beside a blue card and a shopping cart

How do you apply for the Walmart credit card? You apply for the OnePay credit card, which Walmart promotes, online at Walmart.com, in the Walmart app, or at select Walmart stores. This guide walks through the steps and what OnePay says you will need, using only official pages.

Not the official Walmart or OnePay site. Walmart Savings Guide is an independent information website. It is not run by, affiliated with or endorsed by Walmart Inc. or OnePay. Terms and offers can change, so read the official OnePay application guide before you apply. Last verified: October 16, 2026.
Quick answer: Apply through Walmart.com, the Walmart app or select Walmart stores. Checking if you pre-qualify uses a soft credit check. Submitting the full application triggers a hard credit check. Credit approval is decided by Synchrony Bank.

Where can you apply for the Walmart OnePay credit card?

OnePay says you can apply on Walmart.com, in the Walmart app, or at select Walmart stores. Walmart's own help page also points to an "Apply Now" button to get started and a pre-qualification check.

What do you need to apply?

  • Phone number and email address
  • Full name and mailing address
  • Date of birth
  • Social Security number or ITIN
  • Income
  • Your agreement to the card terms before you submit
Magnifying glass over a blue credit card with a shield check mark, a calculator and a paper form

Does pre-qualifying hurt your credit score?

OnePay says checking if you are pre-qualified uses a soft credit check and does not affect your credit score. If you then submit an application, a hard credit check is done, which may affect your credit score.

Can you choose between the two Walmart cards?

No. OnePay says you are automatically considered for the OnePay CashRewards Card. Based on your application and Synchrony's review, you may be approved for either the CashRewards Card or the Walmart Spend Card, and you cannot pick which one. See how they differ in our OnePay CashRewards vs Walmart Spend Card guide.

What if your application is declined?

OnePay says Synchrony Bank emails you more information if you are declined. You can also call Synchrony Bank at (866) 796-1537, which OnePay lists as available 24/7. Check the official page for the current number.

Step by step: how to apply

  1. Open the official Walmart OnePay card page on Walmart.com or the Walmart app.
  2. Select the option to check if you pre-qualify (soft credit check).
  3. Enter your personal details and income.
  4. Read and accept the card terms.
  5. Submit the application and wait for the decision from Synchrony Bank.

FAQ

Can I apply in a Walmart store?
Yes, at select Walmart stores, according to OnePay.

Is there a welcome bonus?
Walmart says a welcome bonus is available from time to time to qualifying cardholders. Check the current offer on Walmart's official page.

Does applying always affect my credit?
Pre-qualifying uses a soft check. Submitting an application uses a hard check, per OnePay.

Who approves the card?
Synchrony Bank decides credit approval.

Related guides

Official sources

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