Walmart Cards: 5 Steps for card benefits maximization
Walmart Cards are reloadable debit cards that offer cash back rewards, overdraft protection, early direct deposit, and more.
They can be used at Walmart stores, online, and anywhere else that accepts Visa or Mastercard.
In this article, I will discuss five places and special occasions where Walmart Cards can save you money and hassle.
What are Walmart Cards?
Walmart Cards are a type of reloadable debit cards that can be used for shopping at Walmart and other places.
They offer cash back rewards, overdraft protection, early direct deposit, and other benefits.
There are two kinds of Walmart Cards: the Walmart Rewards™ Card and the Capital One® Walmart Rewards™ Mastercard.
How to use Walmart cards?
Walmart gift cards are a type of prepaid card that can be used to shop at Walmart and other places that accept Visa or Mastercard. You can use them to buy products or services online, in-store, or at gas stations. You can also earn cash back rewards, get overdraft protection, and access your money early with some Walmart cards. Here are some steps on how to use Walmart gift cards:
- To use your Walmart gift card online, you need to register your card at www.walmartgift.com. You will need your card number and 3-digit security code. This will protect your card if it is lost or stolen, and allow you to shop online, by mail, or by phone.
- To use your Walmart gift card in-store, you just need to present it to the cashier at checkout. You can choose the “credit” payment option and sign the receipt, or the “debit” payment option and use the last 4 digits of your card as your PIN.
- To use your Walmart gift card at gas stations, you can swipe it at the pump and enter your PIN. You can also pay inside the station with your card.
- To check your Walmart gift card balance, you can visit any Walmart register, go online at www.walmartgift.com, or call 1-866-633-9096 using the automated phone system.
- To redeem your cash back rewards, you can go online at www.walmartgift.com and choose from various options, such as gift cards, travel, or other products or services.
- To activate your overdraft protection, you need to opt-in and have an eligible direct deposit. You can then use your card to pay for transactions up to $200 more than your balance without any fees or interest charges. You have to repay the amount within 24 hours.
- To access your paycheck or benefits early, you need to have an eligible direct deposit. You can then get your money up to 2 days before payday and up to 4 days before benefits day with your card.
What are the benefits of Walmart Cards
Some of the benefits of Walmart cards are:
- You can earn cash back rewards on your purchases at Walmart and other places. The Capital One® Walmart RewardsTM Mastercard® offers 5% cash back on Walmart.com purchases, 2% cash back on Walmart fuel stations purchases, and 1% cashback on Walmart stores purchases. The Walmart RewardsTM Card offers the same rates, except it can only be used at Walmart properties. You can redeem your rewards for gift cards, travel, or other options.
- You can get overdraft protection up to $200 with opt-in and eligible direct deposit. This means you can use your card to pay for transactions up to $200 more than your balance without any fees or interest charges. You have to repay the amount within 24 hours.
- You can access your paycheck or benefits early with your card’s early direct deposit feature. You can get your money up to 2 days before payday and up to 4 days before benefits day with your card.
- You can enjoy other benefits such as $0 fraud liability, quick cash, and special financing offers throughout the year.
- You can use your card anywhere that Mastercard is accepted if you have the Capital One® Walmart Rewards™ Mastercard®. If you have the Walmart Rewards™ Card, you can use it at Walmart stores, online, and at Walmart and Murphy USA gas stations.
How to Maximize Your Walmart Cards Rewards in 5 Easy Steps
If you have a Walmart card, you might be wondering how to get the most out of your rewards. Here are five easy steps to maximize your Walmart card rewards:
Step 1:
- Choose the right card for your needs.
- Walmart offers two types of cards: the Walmart Rewards™ Card and the Capital One® Walmart Rewards™ Mastercard®.
- The Walmart Rewards™ Card can only be used at Walmart stores, online, and at Walmart and Murphy USA gas stations.
- The Capital One® Walmart Rewards™ Mastercard® can be used anywhere that Mastercard is accepted.
- Both cards earn 5% back on Walmart.com purchases, 2% back on Walmart fuel stations purchases, and 1% back on Walmart stores purchases.
- However, the Capital One® Walmart Rewards™ Mastercard® also earns 2% back on dining and travel purchases.
- Depending on where you shop and what you buy, you might prefer one card over the other.
Step 2:
- Shop online and use the Walmart Pay app.
- One of the best ways to earn more rewards with your Walmart card is to shop online at Walmart.com or with the Walmart mobile apps.
- You can earn 5% back on your online purchases, including grocery pickup and delivery.
- You can also earn 5% back on in-store purchases made through the Walmart Pay app for the first 12 months after approval.
- After that, you will earn 2% back on in-store purchases with the app. The Walmart Pay app is a convenient and secure way to pay with your phone at checkout.
- You can also use it to check your balance, track your rewards, and access other features.
Step 3:
- Redeem your rewards for gift cards, travel, or other options.
- You can redeem your rewards for a variety of options, such as gift cards, travel, statement credits, and more.
- You can also use your rewards to cover recent purchases made with your card.
- To redeem your rewards, you need to go online at www.walmartgift.com and choose from the available options.
- You can also call 1-877-860-1250 to redeem your rewards over the phone.
Step 4:
- Opt-in for overdraft protection and early direct deposit.
- Another benefit of having a Walmart card is that you can opt-in for overdraft protection up to $200 with eligible direct deposit.
- This means that you can use your card to pay for transactions up to $200 more than your balance without any fees or interest charges.
- You have to repay the amount within 24 hours. This can help you avoid fees and penalties from your bank or other lenders.
- You can also access your paycheck or benefits early with your card’s early direct deposit feature.
- You can get your money up to 2 days before payday and up to 4 days before benefits day with your card. This can help you with cash flow and budgeting.
Step 5:
- Enjoy other benefits such as $0 fraud liability, quick cash, and special financing offers.
- Your Walmart card also comes with other benefits that can make your shopping experience more enjoyable and rewarding.
- You can enjoy $0 fraud liability, which means that you won’t be responsible for unauthorized charges made with your card.
- You can also get quick cash at checkout, which allows you to withdraw up to $100 per day in cash when you make a purchase at a Walmart store.
- You can also take advantage of special financing offers throughout the year, which let you pay for large purchases over time with no interest if paid in full within the promotional period.
How to buy Walmart Cards online
There are different ways to buy Walmart Cards online, depending on the type of card you want.
Walmart Cards are reloadable debit cards that offer cash back rewards, overdraft protection, early direct deposit, and more.
- They can be used at Walmart stores, online, and anywhere else that accepts Visa or Mastercard. There are two kinds of Walmart Cards: the Walmart Rewards™ Card and the Capital One® Walmart Rewards™ Mastercard.
- To buy a Walmart Rewards™ Card online, you need to visit the Walmart MoneyCard website and click on “Get a Card”. You will need to provide your personal information, such as your name, address, email, phone number, and Social Security number. You will also need to choose a card design and agree to the terms and conditions. You will then receive your card in the mail within two weeks. You can also buy a Walmart Rewards™ Card in-store at any Walmart register.
- To buy a Capital One® Walmart Rewards™ Mastercard online, you need to visit the Capital One website and click on “Apply Now”. You will need to provide your personal information, such as your name, address, email, phone number, date of birth, and Social Security number. You will also need to answer some questions about your income, employment, and credit history. You will then receive an instant decision on your application. If you are approved, you will receive your card in the mail within 7 to 10 days. You can also apply for a Capital One® Walmart Rewards™ Mastercard in-store at any Walmart register.
- To buy a Walmart gift card online, you need to visit the Walmart gift card website and choose from various options, such as eGift cards or plastic gift cards. You can also select the amount, design, and occasion of your gift card. You will need to provide your payment information, such as your credit card or debit card number. You will then receive an email confirmation with your order details. If you choose an eGift card, you will also receive an email with the eGift card code that you can use online or in-store. If you choose a plastic gift card, you will receive it in the mail within 5 to 7 days. You can also buy a Walmart gift card in-store at any Walmart register or kiosk.
How to Redeem Walmart Cards
Some of the ways to redeem Walmart cards are:
- To redeem a Walmart Rewards™ Card online, you need to visit the Walmart MoneyCard website and click on “Get a Card”. You will need to provide your personal information, such as your name, address, email, phone number, and Social Security number. You will also need to choose a card design and agree to the terms and conditions. You will then receive your card in the mail within two weeks. You can also redeem a Walmart Rewards™ Card in-store at any Walmart register.
- To redeem a Capital One® Walmart Rewards™ Mastercard online, you need to visit the Capital One website and click on “Apply Now”. You will need to provide your personal information, such as your name, address, email, phone number, date of birth, and Social Security number. You will also need to answer some questions about your income, employment, and credit history. You will then receive an instant decision on your application. If you are approved, you will receive your card in the mail within 7 to 10 days. You can also apply for a Capital One® Walmart Rewards™ Mastercard in-store at any Walmart register.
- To redeem a Walmart gift card online, you need to visit the Walmart gift card website and choose from various options, such as eGift cards or plastic gift cards. You can also select the amount, design, and occasion of your gift card. You will need to provide your payment information, such as your credit card or debit card number. You will then receive an email confirmation with your order details. If you choose an eGift card, you will also receive an email with the eGift card code that you can use online or in-store. If you choose a plastic gift card, you will receive it in the mail within 5 to 7 days. You can also redeem a Walmart gift card in-store at any Walmart register or kiosk.
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Conclusion
Walmart cards are a great option for anyone who wants to save money and earn rewards on their shopping.
They offer cash back rewards, overdraft protection, early direct deposit, and other benefits. They can be used at Walmart stores, online, and anywhere else that accepts Visa or Mastercard.
There are two kinds of Walmart cards: the Walmart Rewards™ Card and the Capital One® Walmart Rewards™ Mastercard.
Depending on your needs and preferences, you can choose the card that suits you best. You can apply for a Walmart card online or in-store and start enjoying the perks of being a cardholder.
If you want to learn more about Walmart cards, you can visit www.walmartgift.com or call 1-866-633-9096 for more information.
FAQs
What types of Walmart cards are available?
Walmart offers a variety of cards, including Walmart Gift Cards, Walmart MoneyCards (prepaid debit cards), and Walmart Credit Cards.
Where can I purchase a Walmart Cards?
Walmart Gift Cards can be purchased at any Walmart store location, as well as online on the Walmart website.
How can I check my Walmart Cards balance?
To check the balance of your Walmart Gift Card, you can visit the Walmart website and navigate to the gift card balance check page. Alternatively, you can call the phone number provided on the back of the card.
How do I activate my Walmart Cards?
To activate your Walmart Cards, you can visit the Walmart MoneyCard website or call the activation number provided with the card. Follow the instructions provided to complete the activation process.
What are the benefits of having a Walmart Cards?
Walmart Credit Cards offer various benefits, such as cashback rewards on purchases made at Walmart and Walmart.com, special financing options, and the ability to access your FICO credit score for free.
