Looking to get your own Walmart credit card? In this article, you’ll learn everything you need to know—from eligibility criteria to how to apply and the benefits of becoming a cardholder.
Walmart is one of the world’s leading retail giants, with a presence in over 20 countries and nearly 10,000 stores. To enhance the shopping experience, Walmart offers a branded credit card that brings exclusive perks for frequent customers.
In this guide, you’ll discover:
- Key features of the Walmart Credit Card
- Pros and cons of using the card
- Who is eligible to apply
- Step-by-step application process
- Fees and interest rates
- Customer service contact info
Main Features of the Walmart Credit Card
In Mexico, the Walmart credit card is issued in collaboration with Grupo Financiero Inbursa. This partnership provides customers access to the Walmart–Inbursa Credit Card, which includes the following benefits:
Exclusive Rewards and Promotions
Cardholders earn 3% cashback directly on their statement when shopping at Walmart stores and other affiliated retailers such as Bodega Aurrera, Superama, and Sam’s Club. You’ll also receive access to special member-only deals and seasonal offers.
Flexible Payment Options
Through the “Skip Your Payment” program, you can postpone the minimum monthly payment once every six months, offering more breathing room when managing your finances.
Additional Features
- Make large cash withdrawals at select ATMs partnered with Walmart
- Pay in installments of up to 36 months for purchases
- Gain access to ongoing discounts without extra charges
- Enjoy free home delivery on purchases above $10,000 MXN for home items, as long as delivery is within 15,000 km
Advantages and Disadvantages
Benefits
- Earn 3% cashback on purchases made at participating Walmart Group stores
- Access promotional pricing and interest-free financing offers
- Eligible to skip your minimum payment once every six months with good standing
- Save an extra 2.3% when shopping at Sam’s Club, where card payments are treated as cash
- Accepted internationally at any retailer that honors MasterCard
- Debt cancellation in the event of the cardholder’s death
- Includes theft and loss protection
- No credit history required to apply—ideal for first-time credit users
Drawbacks
- Interest rates are comparatively higher than some other co-branded credit cards
- You must apply in person or over the phone—online applications are not available
- The card is most beneficial for loyal Walmart Group shoppers; casual customers may not find enough value
Eligibility Criteria
To apply, you’ll need to meet the following requirements:
- A completed application form
- Valid government-issued ID
- Proof of income (minimum $5,000 MXN/month)
- A utility bill or similar proof showing your current address (dated within the last 3 months)
- Contact details, including phone number and email
- Date of birth, Social Security Number, and driver’s license
- No previous credit history required
How to Apply
The process is straightforward:
- Visit a Walmart or Inbursa branch with the required documents
- Alternatively, you can visit the official Walmart or Inbursa website for further information
- Speak with a representative to complete the application process
Fees and Interest Rates
Before applying, it’s important to understand the financial costs associated with the card:
- Annual Fee: $550 MXN + VAT
- Average Interest Rate: 74.3%
- Total Annual Cost (CAT): 103.9% excluding VAT
- Cash Withdrawal Fee: 6% of the amount withdrawn
- International Withdrawal Fee: Up to $399 MXN
You can request two additional cards free of charge. From the third card onward, each comes with a $100 MXN annual fee plus VAT.
Customer Support
For help or questions, Walmart and Inbursa offer several contact options:
- Walmart Customer Service: Call 1 801 0096 722
- Head Office Address: Av. 1 Mayo y Rio Hondo #200, Estado de México, México
For Inbursa-related card inquiries:
- Mexico City/Metro Area: 55 5447 8000
- Rest of the country (toll-free): 01 800 90 90000
- Inbursa HQ Address: Avenida Insurgentes Sur #3500, Mexico City
Final Thoughts
The Walmart Inbursa Credit Card is a solid option for those who frequently shop at Walmart-owned stores like Sam’s Club, Bodega Aurrera, and Superama. With 3% cashback, flexible payments, and exclusive discounts, it rewards customer loyalty.
However, if you don’t shop regularly at Walmart-affiliated stores, the card’s benefits may not justify the fees and interest rates. In that case, exploring alternative credit cards might be a better fit for your spending habits.
Note: Always review the full terms and conditions before committing to any credit product.
