WalMart Credit Card Customer Service

Phone Number & Contact Info

WalMart Credit Card's Best Phone Number

Toll-free·Calls Customer Service·Most popular WalMart Credit Card number

How do I talk to a live human at WalMart Credit Card?

A:Press 0 two times, then say "Why you are calling."

Does WalMart Credit Card offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Friday.

How long will I wait on hold?

A:The average hold time is 16 minutes. The longest hold times are on Wednesday, and the shortest are on Friday. How is this calculated?

WalMart Credit Card Customer Phone Numbers

Member Services

Toll-free · 24 hours, 7 days · Calling this WalMart Credit Card number should go right to a real human being · Say or enter your 16-digit card number.

Card Activation

Toll-free · 24 hours, 7 days · Don't press or say anything. ·

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this WalMart Credit Card phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 0 two times, then say "Why you are calling."
Here is how our research team describes the way the WalMart Credit Card phone system greets you: Say or enter the last 4 digits of your card number.
Below are some clips we've found from WalMart Credit Card's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"Thank you for calling Capital One about your Walmart credit card. This call is being recorded. Say"
Excerpt from a call with WalMart Credit Card
Wednesday, January 17, 2024 4:22 PM

They may ask you to enter information with the dial pad

"You can also say apply for a new account. If you need to go get your account number, say hold on, and I'll wait for you.
It looks like we're having some trouble.
Let's try another way. Using the keypad on your phone, please enter your sixteen digit card number."
Excerpt from a call with WalMart Credit Card
Wednesday, June 5, 2024 6:15 PM

They may ask you to say or enter information

"Thank you for calling Capital One about your Walmart credit card.
This call will be monitored and recorded for quality assurance, training, and authentication purposes.
Please say or enter your sixteen digit card number."
Excerpt from a call with WalMart Credit Card
Thursday, May 30, 2024 5:13 PM

What are the hours and when should I call?

WalMart Credit Card operates the call center for this 877-294-7880 phone number 24 hours, 7 days. The short answer is that you should call on a Tuesday. This observation and the following section are based on analysis of a sample set of 539 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this WalMart Credit Card phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like WalMart Credit Card staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call WalMart Credit Card is Sunday. The most busy day to call is Friday, which averages 76% more phone calls by comparison. Again, this is based on a sample of 539 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Wednesday.

The best time to call WalMart Credit Card

In summation, the best day to call WalMart Credit Card is Tuesday.

Why Customers Call WalMart Credit Card

If you have time to do a bit of reading before you call WalMart Credit Card, we recommend you read over some of our problem-specific articles.

What is the credit limit on a Walmart Credit Card?

The credit limit on a Walmart Credit Card varies depending on multiple factors. These factors include your creditworthiness, income, and other financial information provided during the application process. While there is no specific minimum or maximum credit limit mentioned, Walmart reserves the right to set an initial credit limit based on their evaluation. However, it is important to note that responsible credit usage and timely payments can potentially lead to credit limit increases over time. If you are interested in obtaining a Walmart Credit Card, it is recommended to apply and complete the application process to determine the specific credit limit you will be granted.

Is there an annual fee for a Walmart Credit Card?

No, there is no annual fee for the Walmart Credit Card. With the Walmart Credit Card, customers can enjoy the convenience of shopping at Walmart and benefit from various rewards and savings without any additional cost. The card allows users to earn cashback rewards on their purchases, providing added value and savings on everyday items. Additionally, cardholders have access to special financing options at Walmart stores, allowing for flexible payment plans on larger purchases. The Walmart Credit Card is designed to provide a rewarding and cost-effective shopping experience for customers, making it an excellent choice for individuals who frequently shop at Walmart or online at

What are the benefits of having a Walmart Credit Card?

Having a Walmart Credit Card comes with several benefits that make it a convenient and money-saving option. Firstly, cardholders can enjoy a 5% cashback on purchases made on and the Walmart app, including groceries, fuel, and other essentials. Additionally, there is a 2% cashback on qualifying purchases made at Walmart stores in the United States and Puerto Rico. This allows customers to earn rewards on everyday shopping. The Walmart Credit Card also provides a $0 annual fee, which means there are no extra costs for ownership. Lastly, cardholders have the advantage of accessing their FICO credit score for free each month, helping them track their financial health. With these benefits, the Walmart Credit Card offers customers a chance to save money and manage their finances effectively.

Top WalMart Credit Card customer service problems

Click the link above to get answers to just about any WalMart Credit Card customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to WalMart Credit Card, and their purpose. Are any of these similar to the reason you are trying to call?
Lost card: "I lost my phone along with my card."
- From a call lasting 6m 55s , May 13, 2024 12:39 PM
Request to stop credit card: "I need you to stop my credit card."
- From a call lasting 6m 56s , Feb 12, 2024 1:17 AM
Inquiring about Walmart Credit Card application: "Yes. I was trying to find out how do I apply for the application for the credit card."
- From a call lasting 24m 47s , Feb 6, 2024 8:40 PM

More WalMart Credit Card Customer Service Contacts

There are of course other ways to contact WalMart Credit Card customer service besides the phone. Below we list the best ones, by medium.

WalMart Credit Card Customer Help Desk / Web Support - Customer Service
Online customer service support
As a last, sometimes only, resort- WalMart Credit Card customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is WalMart Credit Card's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a WalMart Credit Card agent. This phone number is WalMart Credit Card's best phone number because 39,540 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 877-294-7880 include Setup account, Cancel account, Lower rate, Complaint, Overcharge/Strange charge and other customer service issues. The WalMart Credit Card call center that you call into has employees from Florida, Ohio, Puerto Rico and is open 24 hours, 7 days according to customers. In total, WalMart Credit Card has 3 phone numbers. It's not always clear what is the best way to talk to WalMart Credit Card representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for WalMart Credit Card. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like WalMart Credit Card. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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