What credit score is needed for Walmart?

Written by Editorial Team | Last Updated: August 2026

Walmart store credit cards and co-branded Mastercard products (issued by Capital One / Synchrony) are generally accessible to applicants with fair to good credit scores starting around 620 to 640. While qualifying for the basic store credit card is relatively forgiving, securing the open-loop Walmart Mastercard requires a stronger credit history and stable personal income.

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