Walmart One Card

[AndySoCal]

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.

[Varsity_Lu]

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.

[Copenix]

Good for you. Congrats on your approval.

[Rebuild2019]

Congrats @AndySoCal on your approval. 

[Stuart89]

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.

[Zoostation1]

Congrats on the approval!

[AndySoCal]

@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 

[Varsity_Lu]

@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.

[Jessie]

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

[Vash]

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.