Walmart Discover Card

The Walmart Discover card is an option for shopping at your favorite discount retailer. This particular credit card offered by GE Money through Walmart and Discover is a cash back rewards card. It is typically provided to those who have a better than average credit score.

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The Walmart card provides users with good to excellent credit history the ability to earn cash back on the purchases they make at Walmart while using this card. The lowest standard APR offered on this credit card is 9.87 percent, available only for applicants with the best credit history. The APR charged depends on the credit worthiness of the applicant. This rate can change as the U.S. prime rate changes.

The cash back offer also changes based on the credit worthiness of the applicant. The credit card's average cash back offer is one percent on all purchases made with the credit card. This includes purchases made at Walmart, Sam's Club and other Walmart outlets. In addition to this cash back offer, individuals who qualify may also receive up to three cents per gallon savings at Walmart gas stations nationwide.

The current offer for this Discover card outlines any special offers. For example, the current offer allows individuals to make purchases without interest charges. Purchases of $250 or more will have no interest applied to those purchases if they have payment within 12 months. It is important to note that when payments occur, the payment may or may not cover the oldest purchases. Check the terms and conditions to determine what the current offer for discounted or zero percent interest is.

Before applying for this credit card, applicants should read the terms of service and all applicable information because some of the key important details of this card are listed there.

• There is no annual fee associated with the card for qualified members.
• Cash advances are possible using this Discover card, but there may be applicable fees.
• Individuals using their Walmart card for purchases at Walmart or Sam's Club may request up to a $100 cash advance at the time of purchase.
• This credit card is for consumers for personal use only, as opposed to business use.
• The account has a grace period of at least 25 days. If payment occurs on all purchases within the grace period, no interest will be charged to the consumer.
• Discover recommends those with a credit score over 700 to apply for the card, though this is not required to apply.
• There is no introductory APR offered with this credit card. The interest rate provided at the beginning of the account services remains the same for all purchases on the account indefinitely.
• Note that GE Money has the right to adjust interest rates based on payment practices. Check the terms of service to determine the rules for APR changes.

Currently, Walmart offers two types of credit. The Walmart Discover Card is the better opportunity over the traditional Walmart Credit Card. Both of these credit cards offer:

• $0 liability for fraudulent purchases.
• No annual fee.
• A savings of three cents per gallon at participating Walmart gas stations.
• The ability to receive up to a $100 cash advance when a purchase occurs (within an available credit limit).

Individuals will also receive the one percent cash back on all purchases when obtaining the Walmart Discover Card. In addition, this particular card also allows users to use their credit card any place that Discover Network Acceptance is available. The standard Walmart credit card is only available for Walmart or Sam's Club purchases. Those considering either of these credit cards should read the terms of service for each. This can be found at the Walmart Money Center website. The offer may change over time and not everyone will qualify for this credit card offer.

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