Walmart Credit Card Approval: Credit Score and Requirements

Walmart credit card approval: pre-qualify with a soft check that won't hurt your score, hard check when you apply, Synchrony Bank decides.

Thinking about applying for the Walmart credit card? Here is what OnePay officially says about credit checks and approval, so you know exactly what to expect before you apply, with no myths and no made-up score cutoffs.

walmart credit card approval credit score requirements
Disclaimer: Walmart Savings Guide is an independent informational site and is not affiliated with, sponsored by, or endorsed by Walmart, OnePay, or Synchrony Bank. Card terms can change, so always confirm details on the official pages linked below.

Does checking if you pre-qualify hurt your credit score?

No. According to OnePay's official help center, checking whether you are pre-qualified uses a soft credit check, which does not affect your credit score. If you then choose to submit a full application, a hard credit check is performed, and that can impact your credit score.

What credit score do you need for the Walmart credit card?

OnePay does not publish a minimum credit score for the card. Approval is decided by Synchrony Bank, the card issuer, based on your full application. Any website that quotes an exact required score is guessing, not citing an official number.

What do you need to apply?

Per the official OnePay help center, you will be asked for:

  • Your phone number, full name and mailing address
  • Date of birth
  • Social Security number or ITIN
  • Income and email address

You can apply through Walmart.com, the Walmart app, or at select Walmart stores, and you must review and accept the card terms before submitting.

Can you choose between the CashRewards Card and the Spend Card?

No. When you apply, you are automatically considered for the OnePay CashRewards Card. Based on Synchrony's review, you may be approved for either the CashRewards Card or the Walmart Spend Card. You cannot pick one over the other yourself. We compared both cards here: OnePay CashRewards Card vs Walmart Spend Card.

What happens if your application is declined?

If Synchrony declines your application, you will receive an email from Synchrony Bank with more information. You can also call Synchrony Bank directly at (866) 796-1537; phone support is available 24/7.

FAQ

Does the Walmart credit card do a hard pull?

Pre-qualification is a soft check with no score impact. A full application triggers a hard credit check, which may affect your score.

Who issues the Walmart credit card?

The OnePay CashRewards Card and Walmart Spend Card are issued by Synchrony Bank, which also makes the approval decision.

How long does an approval decision take?

OnePay describes the application as quick, with a decision in just a few steps. Exact timing is at Synchrony's discretion.

Sources: OnePay Help Center - Credit Card Application Process and OnePay CashRewards Card page. Last verified: 17 October 2026.

Related guides: How to apply for the Walmart credit card | Walmart credit card rewards explained

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