Walmart credit cards and co-branded Mastercard programs are issued by Synchrony Bank. Following strategic program realignments, Walmart partnered with Synchrony to manage its retail credit portfolios, providing both private-label store cards usable exclusively at Walmart and general-purpose co-branded Mastercard products. These financial products integrate tightly with digital shopping ecosystems and loyalty applications, providing cardholders with cash-back rewards, seamless digital bill management, and secure transaction processing backed by Synchrony's robust consumer lending infrastructure.