Ways to Make Walmart Credit Card Payment

May 26, 2025 By Kelly Walker

If you own a Walmart card tucked away in your wallet, you have several convenient payment choices. Walmart provides customers with various alternatives for making payments with their credit cards, such as in transactions, etc. The global retailer accepts in-store payments for its store and general-purpose credit cards.

In addition, Walmart gift cards can also be utilized in Sam's Club locations. However, you won't be able to make payments on your Walmart payment there. On the other hand, if you have a Membership card from Sam's Club, you may pay for your purchases at the assistance desks inside the stores.

Walmart Credit Card Payment Choices

Walmart offers consumers several options when paying down their credit card debt. At the front desk of customer service, which can be found at any Walmart shop, all types of payments are accepted. If a customer is also a member of Sam's Club, they can make payments at any of the chain's stores. A customer's credit card account is credited with an amount earned at the business during the next 48 hours. An actual credit card is required to make a payment using this option, and Walmart cannot search your credit card details while you are in the shop.

Send a Payment Online for Walmart Credit Card Payment

You may pay on your Walmart credit card bill right through their website. Payments made by customers using their Walmart credit cards are shown in their accounts within approximately two to three working days after the payment is made. Unfortunately, online payment systems cannot establish one-time or recurring transactions.

Paying off your Walmart credit card debt with electronic payments is also possible by setting up direct debits from your bank account. No one can get by in our world without a working checking account. Credit card companies typically accept phone payments from customers. Using their automated payment platform won't cost you a dime, but getting a live person on the line to take your payment will cost you an additional $10.

You must sign up for an online account before paying through the website. Follow these steps:

  • Go to the screen where you may log in using your Walmart credit card.
  • Choose the option that says "Create Up My Account."
  • In your response, please mention your full name, birth date, and SSN or bank account information.
  • Choose the "Get Started" option.
  • Continue to follow the on-screen prompts to select a password and your username.

Pay Over Call for Walmart Credit Card Payment

If you'd like to pay over the call, you can reach our representative by calling Capital One's helpline number at 1-800-227-4825. However, there may be a cost associated with this option. Keep the following details in mind before making your call:

  • These are the last four numbers of one's Walmart credit or debit card.
  • The digits of your bank account and the routing number of your bank.

Send Your Payment in Person for Walmart Credit Card Payment

Paying your credit card debt in-store saves you time and effort if you plan to go to Walmart for something else. Your payment may be made at Walmart Credit Services. You may also use the self-service kiosk if that is more convenient for you. Locate the closest Walmart by using their handy store finder.

Send Your Money via the Mail for Walmart Credit Card Payment

When you get the monthly statement of account for your Walmart Points or Capital One Walmart Cashback card in your mailbox, you will discover a payment coupon attached to the statement that you may pull out, then re-enclose with your payment. If you have misplaced your payment voucher or just want to make an additional payment, simply put your bank details on a cheque or terms of trading volume and send it in the mail.

Card of Rewards from Capital One for Walmart

Walmart makes available two distinct sorts of gift cards. A Mastercard that can only be used inside of Walmart and Membership Sam's Clubs, as well as a standard Mastercard issued by Capital One. If you are a frequent customer at Walmart, get the Walmart Reward points bank card. Also, these might be useful for accumulating reward points for future purchases.

You may get 5% money back on your items bought at Walmart.com using your Capital One Loyalty card, which applies to in-store pick-up and delivery options. When you use your card in-store at Walmart, as well as at petrol stations, transportation venues, and eateries, you will receive 2% cash back. In addition, you will get 1% cash back wherever you take Mastercard.

Additionally, during the first year, you may get 5% cash back whenever you use the Walmart Pay method on your mobile devices to make purchases at Walmart. The amount on this card, which has no annual fee, can be settled in full at any Walmart, either at the cash register or the assistance desk.

When Should You Inform Walmart About Dues on Credit Cards?

If you have a debt on your credit card from Walmart at the end of the month, you must pay in full by the deadline on your report. A Walmart credit card overdue payment can be paid with any acceptable method. On the other hand, a penalty fee of up to USD 39 can be charged.

Bottom Line

If you own a Walmart credit card, you can pay off your balance in person by visiting any Retail outlet. Moreover, you can pay your bills digitally, using the Walmart Secure Payment application from your mobile device, or in the "traditional" manner by sending your billing amount in the mail through the postal service at your nearest post office.