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Is there any ryhme or reason to getting the walmart mastercard upgrade?
No rhyme or reason. Usually as an individual's profile improves, and depending on any marketing efforts or promotions (varies on the card) and to provide additional revenue with a co-branded card, then that's typically when an upgrade offer typically generates.
There is no specific timeframe or score information (although most individuals received them with scores above the ~700 mark). Some get the invitation within a year, others around 12+ months and some after 2 years. .
Or, maybe their marketing group sits around and throws some darts and whichever name or account it lands, then there's your invite