topic Re: Walmart One Card in Credit Card Approvals

Walmart One Card

AndySoCal — Thu, 04 Dec 2025 17:32:51 GMT

I was approved for $5,000 credit limit. My usual spend at Walmart is between $100 to $200 a month that would be around 2 to 4 percent credit utilization on the card. I am buying for just me only. I will see if that credit limit changes or not. This is my second lowest credit limit I have.

Re: Walmart One Card

Varsity_Lu — Thu, 04 Dec 2025 18:58:14 GMT

Congrats. I have found OnePay CashRewards to be useful, especially with the bump up to 5% with Walmart+. I was only approved for $4,000, so you beat me.

Re: Walmart One Card

Copenix — Thu, 04 Dec 2025 20:26:23 GMT

Good for you. Congrats on your approval.

Re: Walmart One Card

Rebuild2019 — Thu, 04 Dec 2025 22:59:46 GMT

Congrats @AndySoCal on your approval.

Re: Walmart One Card

Stuart89 — Fri, 05 Dec 2025 00:13:54 GMT

Nice! I wouldn’t get too hung up on the relatively low limit. It sounds like it’s plenty, and store-affiliated cards usually have fairly low limits.

Re: Walmart One Card

Zoostation1 — Fri, 05 Dec 2025 00:33:17 GMT

Congrats on the approval!

Re: Walmart One Card

AndySoCal — Fri, 05 Dec 2025 01:48:23 GMT

@Varsity_Lu @Stuart89 I was somewhat second guessing myself after the 5,000 limit approval. I had a second card UMB Bank in mind but it is not availible in all 50 states just where they have branches for the most part. This card gives a max 3% percent in certain catagories one of which is discount stores which is what my Walmart is coded as. I thinking what I would have gotten if I went with them . The 3% is what I am getting now with Redstone.Analitically speaking the analysis is correct but it will take time to adapt.

The link to the card is below it is the first one shown.

https://www.umb.com/personal-banking/credit-cards

Re: Walmart One Card

Varsity_Lu — Fri, 05 Dec 2025 10:35:28 GMT

@AndySoCal

UMB offers their Simply Rewards Visa card through affiliates, too. I looked into it a while ago, but decide to try NFCU More Rewards instead. They have very, very similar reward structures. Here are a few ways to get the Simply Rewards card without living inside their fence:

classicindustries.com/simply-rewards-classic-visa-credit-card

hereford.org/visa/

Personally, I'd go with the cow card. Because, you know, cows.

Re: Walmart One Card

Jessie — Sat, 06 Dec 2025 00:29:48 GMT

Sweet! It's a little annoying they keep switching issuers though. I thought the walmart card went away for good.

Re: Walmart One Card

Vash — Sat, 06 Dec 2025 20:11:21 GMT

Just be aware that Walmart might go seowrste way with Credit One just kike they did with capital one. We had a Capital One Walmart card for 5% cash back at Walmart, before they “divorced”, and the card automatically changed to 1.5% Quick Silver lol.

But now I had AAA Daily Advantage Visa Signature for 5% at grocery stores again.

Re: Walmart One Card

Varsity_Lu — Sat, 06 Dec 2025 20:17:09 GMT

@Vash wrote:
Just be aware that Walmart might go seowrste way with Credit One just kike they did with capital one. We had a Capital One Walmart card for 5% cash back at Walmart, before they “divorced”, and the card automatically changed to 1.5% Quick Silver lol.
But now I had AAA Daily Advantage Visa Signature for 5% at grocery stores again.

Walmart owns OnePay, so it's unlikely to change anytime soon.

Re: Walmart One Card

ElvisCaprice — Sun, 07 Dec 2025 02:10:49 GMT

@Varsity_Lu wrote:
@Vash wrote:
Just be aware that Walmart might go seowrste way with Credit One just kike they did with capital one. We had a Capital One Walmart card for 5% cash back at Walmart, before they “divorced”, and the card automatically changed to 1.5% Quick Silver lol.
But now I had AAA Daily Advantage Visa Signature for 5% at grocery stores again.
Walmart owns OnePay, so it's unlikely to change anytime soon.

You can have all the middle men you want, but the final decisions come down to Synchrony. And how did that relationship end the first time?