Tips for getting Walmart card upgraded to MC?

[Anonymous]

So DH and I both have Walmart cards we put money through fairly frequently.. they are both just store cards. I was wondering is it random as to if you get an offer to upgrade to the mastercard? or do they base it on time you've had card, usage, limits, etc? Curious as to if there is a formula to getting it upgraded or not. Thanks!

[Anonymous]

wait...

[Anonymous]

I don't have either the Walmart store or MC but I was under the impression that they just issued you a brand new account with a brand new age and it isn't an upgrade, just saves you the inquiry.

Or has that changed since?

[simplynoir]

It hasnt changed. Any Synchrony product where it changes from a store to MC version is a new tradeline with the old store card being closed.

[Anonymous]

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@simplynoir wrote:

It hasnt changed. Any Synchrony product where it changes from a store to MC version is a new tradeline with the old store card being closed.

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Good to know.  While a Walmart MC would be better than the store card, I bet the reward rate for non-Walmart purchases is likely poor, so it may not be that useful of a card.  Plus a new account penalty can hurt rebuilders (lowers AAoA, 0-6 months new account penalty on FICO score, etc).

OP -- you may qualify for a superior rewards card elsewhere, unless the Walmart MC gives you a better reward on Walmart spending than the store card.

[simplynoir]

For a datapoint on this: few months ago JCPenney sent me an upgarde offer to the MC version of their store card. Called customer service and they informed me (with double check on the forums to be sure) once the card is activated the old card/account is closed and the new tradeline is created to take its place.

[marty56]

IMHO use often and PIF.  Sam's has MC offer at checkout sometimes and thats how I got mine.  Not sure about Walmart.

[SunriseEarth]

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@Anonymous wrote:

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@simplynoir wrote:

It hasnt changed. Any Synchrony product where it changes from a store to MC version is a new tradeline with the old store card being closed.

---

Good to know.  While a Walmart MC would be better than the store card, I bet the reward rate for non-Walmart purchases is likely poor, so it may not be that useful of a card.  Plus a new account penalty can hurt rebuilders (lowers AAoA, 0-6 months new account penalty on FICO score, etc).

OP -- you may qualify for a superior rewards card elsewhere, unless the Walmart MC gives you a better reward on Walmart spending than the store card.

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The Walmart MC offers 3% when used at walmart.com, 2% on Murphy USA/Walmart gas, and 1% in-store and everywhere else.   Depending on what features you like about the Walmart store card, you have a lot of other worthy options to consider:

If you like the cash-over purchase feature, you could also get that with Discover It and you'd have the same 1% cashback rate.   If you use the in-store special financing feature of the Walmart cards, you could get that with Blispay.   Blispay has a better cashback rate of 2%, but has a higher threshold for special financing (purchases over $199 vs. Walmart's $149 threshold).  It should also be noted that special financing purchases on the Walmart cards do not offer cashback, whereas Blispay does.

And yes, there are plenty of cards that offer better than 1% at Walmart, if you don't care about the special features above.   There are a good amount of gen spend cards with 1.5% to 2% rates and better.  Also, if your Walmart codes as "grocery", you have many 3%+ options as well.  

[Anonymous]

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@SunriseEarth wrote:

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@Anonymous wrote:

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@simplynoir wrote:

It hasnt changed. Any Synchrony product where it changes from a store to MC version is a new tradeline with the old store card being closed.

---

Good to know.  While a Walmart MC would be better than the store card, I bet the reward rate for non-Walmart purchases is likely poor, so it may not be that useful of a card.  Plus a new account penalty can hurt rebuilders (lowers AAoA, 0-6 months new account penalty on FICO score, etc).

OP -- you may qualify for a superior rewards card elsewhere, unless the Walmart MC gives you a better reward on Walmart spending than the store card.

---

The Walmart MC offers 3% when used at walmart.com, 2% on Murphy USA/Walmart gas, and 1% in-store and everywhere else.   Depending on what features you like about the Walmart store card, you have a lot of other worthy options to consider:

If you like the cash-over purchase feature, you could also get that with Discover It and you'd have the same 1% cashback rate.   If you use the in-store special financing feature of the Walmart cards, you could get that with Blispay.   Blispay has a better cashback rate of 2%, but has a higher threshold for special financing (purchases over $199 vs. Walmart's $149 threshold).  It should also be noted that special financing purchases on the Walmart cards do not offer cashback, whereas Blispay does.

And yes, there are plenty of cards that offer better than 1% at Walmart, if you don't care about the special features above.   There are a good amount of gen spend cards with 1.5% to 2% rates and better.  Also, if your Walmart codes as "grocery", you have many 3%+ options as well.  

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What they said☝️☝️☝️☝️☝️

[Meanmchine]

Blispay suxs.  So far, no CLI options for Blispay so whatever SL you get, youre stuck at it. You can be approved for a $500 Wally MC and a 6 months later, your CL could be $10k+ Personally, Id rather have the upward mobility. Wally MC can be opened with a 630ish TU score where Blispay you need a 680 EX score