Walmart MasterCard

[Beast26]

What is the general consensus on the walmart MasterCard when it comes to new accounts, inquiries, etc?  It's definitely not an easy card to get but is there any rules you need to follow to get it like the chase 5/24, or us bank 1/12 new account rules for example.  I can't find anything set in stone for it.

[AverageJoesCredit]

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@Beast26 wrote:

What is the general consensus on the walmart MasterCard when it comes to new accounts, inquiries, etc?  It's definitely not an easy card to get but is there any rules you need to follow to get it like the chase 5/24, or us bank 1/12 new account rules for example.  I can't find anything set in stone for it.

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Ime / imo  expect a low/lowish sl or even with a decent sl, which is debatable,  expect no growth on this card. Ive read  people getting 2 or 3 pylls so expect upwards up to 3 pulls for a card that wont grow. Honestly if someone shops alot at Walmart i feel there are better cards out there despite its rewards. 

People with 800 scores have been denied so i would just go with if you feel confidant in your current scores, aaoa, debt load etc and see if you feel its worth its C1 headaches. On the plus side, being C1 at least the card itself should be reliable

[Beast26]

I shop at Walmart for the bulk of my groceries since it's so close to me and the cheapest out of the other stores in my area.  What are better cards for Walmart groceries?  I don't want a card that doesn't grow and I'm not the biggest fan of capital one right now.  I spend around $250/month on groceries at walmart.  From what I understand the AMEX BCE doesn't code Walmart or the Walmart grocery center as a supermarket.  What else is there?

[AverageJoesCredit]

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@Beast26 wrote:

I shop at Walmart for the bulk of my groceries since it's so close to me and the cheapest out of the other stores in my area.  What are better cards for Walmart groceries?  I don't want a card that doesn't grow and I'm not the biggest fan of capital one right now.  I spend around $250/month on groceries at walmart.  From what I understand the AMEX BCE doesn't code Walmart or the Walmart grocery center as a supermarket.  What else is there?

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im not 100% sure but often times there are cards with rotating cats that get you rewards at walmart. One example one be Discover who i know has walmart.com for last quarter this year. You know of Amex but like you said maybe doesnt code well?. Plenty of cards that have different reward cats that might not get you 5% but still give you something. If you want maybe start a thread in cc asking for alternatives to Wally Mc. It might still be a good card for you  but only you can decide. Id give you mine but thats not allowed lol. 

[Beast26]

How much do gift cards cost with the discover it cash back when the walmart.com category is available?

[Beast26]

Also I would be completely satisfied with a $3000+ credit limit even if it didn't grow much further.  But I can't imagine I'd be happy with the walmart MC if they stuck me with a credit line less than $3000.  

But honestly I'm more afraid of a denial than anything.  I'd be happy just getting approved for the MC.  I got denied 5 months ago and I think It was because of the low limits on the two cards that I had.  Opensky and capital one.  The triple whipple denial hurts!