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Walmart & Sams

Frequent Contributor

Walmart & Sams

Are these the same cards and is it better to apply in store or online? Also what kind of score should I look to have to have a chance of approval?
Message 1 of 12
11 REPLIES
Valued Contributor

Re: Walmart & Sams

Not the same card though you can use them at either store, but you can only get cashback from the store the card is from, so you can only get cash back at Walmart with the Walmart card, and only get cash back at Sam's Club with the Sam's club card.

 

Only the Walmart card comes with free TU fico once a month. Both will grow with you even if you start out small it will grow.

 

I think they give out cards with about a 650 or higher, possibly lower with a good relationship with GE money bank and/or high income. If you fico is above 720 they may offer you the discover version. Upgrades of the Walmart store card to Discover card usually takes a year or two.  And are GE initiated no way to request as a customer.

 

You may find an instore offer of $20 or more cash back with your approval for the card and you spend $100, getting such deals when you apply online is more difficult.
So in store is usually best, a pre-approved offer may pop-up when you are checking out at Sam's club.

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 2 of 12
Established Contributor

Re: Walmart & Sams

I started out with the Walmart store version and it upgraded to a Discover in a little over a year. I like the free TU score and they give 1% back on purchases which isn't much but it's something. Once you are upgraded to the Discover then go to SAMs and apply for their discover because there's a 99% chance you'll be approved, ( unless something crazy happens in your credit profile), and they will give you a generous limit to boot...that's what I did...

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 3 of 12
Mega Contributor

Re: Walmart & Sams

AFAIK if you are willing to take a HP if you have the store card they can look into an upgrade on a HP.



EQ FICO 548 3/3/16
Message 4 of 12
Frequent Contributor

Re: Walmart & Sams

On the Walmart card, better to apply in store or online or does it really matter?
Message 5 of 12
Mega Contributor

Re: Walmart & Sams

IMO It doesn't matter ive seen it go good either way.



EQ FICO 548 3/3/16
Message 6 of 12
Frequent Contributor

Re: Walmart & Sams

Did you have a high score when you applied? Just not sure how much I trust the TU credit score of 764 it gave me.
Message 7 of 12
Mega Contributor

Re: Walmart & Sams


HYPASS33 wrote:
Did you have a high score when you applied? Just not sure how much I trust the TU credit score of 764 it gave me.

Mine was around 700 when I got the Sams Discover $2500 CL




EQ FICO 548 3/3/16
Message 8 of 12
New Contributor

Re: Walmart & Sams

I got the in store offer for 20.00 credit off my first 100. purchase. But I didnt get the credt. I waited for a few months thinking it would take a while. When I called the number on the back of my card and explained the situation they were nice enough to credit my account the 20.00 .

Also as a side note/fyi I accidentally missed a payment by one day,so when I called to ask if it would hurt my account at all (it didnt) the person actually took off the late fee without me even asking. Since I just pif that day it resulted in a negative balance lol . So when I go on my manills APP ,or sign into my account online is has a negative number.
Trying to garden again: Myfico Experian: 621, Myfico Equifax : 613, MyFico transunion: 639
Goal : 780

Message 9 of 12
Valued Contributor

Re: Walmart & Sams

The Sams version usually gets a higher CL but the Walmart version gets you the free FICO.  Get the Walmart version.  The CL will climb very fast being a GE card.

Message 10 of 12