What Credit Bureau Does Walmart Use? (All You Need To Know)

Walmart offers its customers the opportunity to reap various rewards and cashback benefits by applying for a special Walmart store credit card.

If you’re considering applying for this Walmart store credit card, you may be curious to know – what credit bureau does Walmart use to back this credit card? Here is what I’ve found out!

What Credit Bureau Does Walmart Use?

Walmart uses information from credit bureaus such as Equifax, Experian, and TransUnion in North America for its store credit card (supplied via Capital One Bank). Applicants for the Walmart store credit card need a credit score of around 690 and a Social Security number to be eligible.

If you want to learn more about the credit bureaus that determine an applicant’s eligibility, what benefits you get with Walmart’s store credit card, and much more, keep reading!

Does Walmart Offer A Store Credit Card?

Walmart stores offer customers the opportunity to apply for a store credit card, a MasterCard associated with Capital One bank.

With no annual fees, cashback bonuses, and dining and travel rewards, the Walmart store credit card is a great option for shoppers looking to expand their wallet choices.

What Bank Does Walmart Use For Its Store Credit Card?

Walmart’s store credit card is issued through Capital One bank, making it a reliable and institution-backed form of credit lending.

While Walmart store credit cards used to be issued through Synchrony, the company has recently switched to Capital One.

Capital One’s Walmart rewards card is a safe way to shop at Walmart and take advantage of this credit card’s benefits, cashback, and lowered interest rates.

What Credit Bureau Does Walmart Use For Its Store Credit Card?

Since Walmart’s credit card is serviced through Capital One bank, information is obtained from the top three credit bureaus in the country—Equifax, Experian, and TransUnion.

Note that the bank does not rely on just one credit bureau and has been known to pull information from more than one of these bureaus for a single application.

Through a combination of a candidate’s credit history and current credit score, Capital One bank decides on whether or not to issue a store credit card through Walmart.

Does Walmart Do A Hard Credit Check For Its Store Credit Card?

Does Walmart Do A Hard Credit Check For Its Store Credit Card?

Walmart does typically complete a hard credit check when determining the eligibility of store credit card applicants.

However, customers can check for Walmart credit card pre-qualification online to see if their credit score and personal information will allow them to successfully apply for the card.

This is especially helpful due to hard credit checks being somewhat problematic for a consumer’s credit score.

An unsuccessful hard pull will make the applicant’s credit score lower by 5-10%.

What Credit Score Is Required For A Walmart Store Credit Card?

Compared to other store credit cards like Lowe’s or Home Depot, the credit score required for a Walmart card is much higher.

Applicants need to have a credit score of between 690 and 700 to be successful in applying for the Walmart store credit card.

However, on the lower end, a FICO score of 670 can also be adequate.

Although this is not guaranteed to gain an applicant’s acceptance into the Capital One lending service, it is advised that the higher your credit score, the better.

Can A Walmart Store Credit Card Help Build Credit?

Using a Walmart store credit card does work like any other major credit card you can apply for, which means it can either help or hinder your credit building.

If you use the Walmart Capital One rewards card responsibly, maintain a low balance, and make monthly payments on time, users can build their credit with it.

Experts also recommend that you keep your Walmart credit card account open even when it is paid off or not in use because your credit score will improve with the length of your history.

If you want to know more about Walmart, you can also read our related posts on whether or not Walmart takes CareCredit, if you can use your Walmart credit card anywhere, and if Walmart accepts Google Pay & Samsung Pay.


Walmart store credit card applicants will have their financial eligibility determined by up to three major credit bureaus including Equifax, Experian, and TransUnion.

These are all used by the Capital One bank that backs Walmart’s store credit card to investigate applicants, their credit history, and credit scores, requiring a score of around 690 to 700 to be successful.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of QuerySprout.com.

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