Walmart Mastercard

Doodlebug30 · ‎06-01-2023

Has anyone gotten approved for a Walmart Mastercard with a limit higher than $3,000? I ask this bc I see a lot of approvals for $2k-$3k and nothing higher. Anyone out there?? If so, DPs??

I am considering the card not bc I need a high limit but for the 5% online. But I don't want a tiny limit either ...

imaximous · ‎06-01-2023

@Doodlebug30 wrote:
Has anyone gotten approved for a Walmart Mastercard with a limit higher than $3,000? I ask this bc I see a lot of approvals for $2k-$3k and nothing higher. Anyone out there?? If so, DPs??

I am considering the card not bc I need a high limit but for the 5% online. But I don't want a tiny limit either ...

We got 2 cards. Initially, I got one because our business spends quite a bit on Walmart.com and the 5% was very enticing. Unfortunately, my initial limit was only $2k. After 3 YEARS, it's only at $4.5k. I've got denial after denial for CLIs with only 2 successful attempts.

My credit and income are fine, so it has nothing to do with that, and I've also spent a lot of money on it. I can't tell you exactly how much, but let's say deep into the 6 figures, and I don't mean $100k range. I mean wayyy beyond that. I've been cycling the limit several times a month, and Cap One doesn't seem to care so far.

DW got the second card about 6 months after me. She got approved for $3k, and now it's at $8k. Also plenty of CLI denials, but it's grown a bit better than mine. Spend is quite similar, in fact, it probably sees more charges since the limit is higher.

I don't understand the logic behind the lack of growth. They won't give me any significant CLI, but they did approve me for a Venture X with a $30k limit. This Walmart card in general is probably in a bucket of their crappy products, so they couldn't care less about it.

I wish I'd got in when it was still a SYNCB card because they were giving much higher limits. Oh well...

ptatohed · ‎06-02-2023

Mine was $3k too, my lowest to date.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/WTH-The-CLs-with-each-new-card-keep-dropping-...

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

ptatohed · ‎06-02-2023

Just checked and, even though I spend and pay off about $300 / mo, for the last 8 or so months, no auto CLI for me.

That's ok, $3k is more than enough for me.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Doodlebug30 · ‎06-02-2023

Wow @imaximous , I think I'm gonna pass on this one then. I mean, I guess 3k is fine except I don't really need the card. I was mostly looking for that 5%...

MileHigh96 · ‎06-02-2023

@Doodlebug30 wrote:
Wow @imaximous , I think I'm gonna pass on this one then. I mean, I guess 3k is fine except I don't really need the card. I was mostly looking for that 5%...

I got mine last fall and I got the $3K limit. While I wish it was higher, I don't spend $3K/month on it, so the limit is fine. The 5% rewards racks up quickly and I love all the cash back I get on the card, it's definitely worth it IMHO.

So if you don't need a high limit card and you are interested in it for the 5%, why pass on it? Having a $3K limit doesn't affect the 5% either way. The olnly thing that makes me sad is, the 5% back in-store for using Walmart Pay ends after 12 months and I'm about halfway through that promo and I will be sad when it ends.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $5700 CL (opened 7/21/21)

Mercury Mastercard $5060 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $4050 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $36000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $15000 CL (opened 5/23/23)

Canvas Select MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $27000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

Barclays GM Rewards Mastercard (converted from GS My GM Rewards Card Mastercard) $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $11000 CL (opened 12/8/23)

NFCU More Rewards AmEx $17000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Best Buy Platinum Visa $4000 CL (opened 10/17/25)

Liberty FCU Platinum Credit Rewards Mastercard $12000 CL (opened 11/5/25)

Capital One T-Mobile Visa $15000 CL (opened 11/7/25)

Lands' End Visa $5300 CL (opened 11/13/25)

Associated Bank Max Cash Preferred Visa $500 CL (opened 11/17/25)

Affinity FCU Cash Rewards Visa $7500 CL (opened 11/18/25)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

6/6, 6/12, 11/24 new accounts
TCL: $219.4K

Calistal · ‎06-02-2023

I got my card around a year and a half ago. Starting CL was 3k, but over the last 18 months I've gone from 3k up to 9.5k. YMMV but I've definitely seen growth on mine.

Spend through it is around 1.3-2k a month. I've got walmart+ as well so I end up with a good amount of cash back over a year. I'm a big fan of the card but I spend a lot through walmart on the average.

Starting Scores : EQ: 593 // TU: 571 // EX: 595 ~~5/2023 : TU: 823 // EX: 831 // EQ: 838
TCLs: 144k

imaximous · ‎06-02-2023

@Doodlebug30 wrote:
Wow @imaximous , I think I'm gonna pass on this one then. I mean, I guess 3k is fine except I don't really need the card. I was mostly looking for that 5%...

If you don't need a high limit, and you're going to spend a decent amount on Walmart.com, then it's not a bad idea to get it.

My case is completely different, so don't let me discourage you from going for it. I was only responding to your question regarding its growth. This isn't like BoA, Amex, etc., where you may start really low and end up with large limits. That's all.

Drifter73 · ‎06-02-2023

@MileHigh96 wrote:
The olnly thing that makes me sad is, the 5% back in-store for using Walmart Pay ends after 12 months and I'm about halfway through that promo and I will be sad when it ends.

The good news is, even when the 12 month in store expired, I was still able leverage 5% uncapped online orders for both, shipped to me and curbside pickup. So I could still go get fresh groceries curbside at 5%cb or have nonparishable items mailed at 5%cb.

That's all I use it for now, since it dropped to 2%cb instore card. It's definitely handy for when I need a new laptop, electronics, or office supplies at 5%cb still (online order).

Catbird_Seat · ‎06-02-2023

I haven't gotten any CLI on my Walmart card since I opened it almost two years ago, no matter if I put heavy spend on it, PIF or let a balance show, I tried all kinds of things but got nothing.

I do wonder if the general lack of CLIs or high CLIs people have experienced is due to parameters set by WM, I state that because back when they were with Synchrony, I remember out of all my Synch cards, the WM card was the stingiest.

With WM filling a lawsuit back in April against CapOne, I can see them being even less likely to increase CLs.