Where and how to pay your Walmart credit card
You can pay your Walmart credit card bill online through the Walmart Credit Card website, by phone, by mail, or in person at a Walmart store. The online method is fastest — you can set up a one-time payment or enroll in automatic payments from your bank account. If you pay by phone, call the number on the back of your card. By mail, send a check to the address shown on your statement. In-store payments are accepted at the customer service desk at any Walmart location.
The due date appears on your monthly statement and is typically 25 days after your statement closes. Payments made online or by phone usually post within one business day. Mail payments take 5 to 7 business days to reach Walmart, so send them early if your due date is approaching. In-store payments post the same day.
Key Takeaways
- Online payments through the Walmart Credit Card website are the fastest method and can be set up as one-time or automatic transfers from your bank account.
- Your due date is listed on your monthly statement and is typically 25 days after your statement closes.
- Payments made online or by phone post within one business day, while mail payments take 5 to 7 business days.
- You can also pay in person at the customer service desk at any Walmart store, and those payments post the same day.
Setting up automatic payments online
Log into your account on the Walmart Credit Card website using your card number and PIN or password. Navigate to the payments section and select "Enroll in AutoPay" or "Set Up Automatic Payments." You will choose your payment amount — either the full statement balance, the minimum payment, or a fixed dollar amount you set — and the date each month when the payment should be taken from your bank account.
Automatic payments remove the risk of missing a due date. You can change or cancel automatic payments anytime through your online account, and you can also make additional one-time payments without affecting your automatic schedule. If your bank account changes, update it in your Walmart Credit Card account to prevent payment failures.
Making a one-time online payment
Go to the Walmart Credit Card website and log in. Select "Make a Payment" and enter the amount you want to pay. You will be asked to confirm the bank account or debit card you want to pay from. The payment will post within one business day, though it may show as pending for a few hours.
One-time payments do not affect any automatic payments you have set up. If you are paying from a bank account, the transfer is free. Paying from a debit or credit card may carry a fee depending on your card issuer, so check before you confirm.
Paying by phone or mail
To pay by phone, call the customer service number on the back of your Walmart credit card. A representative will ask for your account number and the amount you want to pay, then guide you through providing your bank account or debit card information. Payments by phone post within one business day.
To pay by mail, write a check for the amount you owe and include your account number or a payment coupon from your statement. Mail it to the address printed on your statement. Because mail takes 5 to 7 business days to arrive, send your payment at least 10 days before your due date to avoid a late payment. Do not send cash by mail.
Paying in person at Walmart
Visit the customer service desk at any Walmart location and tell the associate you want to pay your Walmart credit card bill. Bring your card or account number. You can pay with cash, a debit card, or another payment method the store accepts. The payment posts to your account the same day.
In-store payments are useful if you prefer to handle money in person or if you are already at Walmart. However, this method requires a trip to the store, so it is slower than online or phone payments if you are paying from home.
What happens if you miss a payment
A payment is considered late if it arrives after your due date. Late payments trigger a late fee, which Walmart adds to your balance. Your interest rate may also increase if you miss a payment. After 30 days past due, the late payment appears on your credit report and can lower your credit score.
If you realize you will miss a due date, contact Walmart Credit Card customer service before the date passes. In some cases, they may work with you on timing or waive a single late fee if you have a good payment history. The sooner you contact them, the more options may be available.
Frequently Asked Questions
Can I pay my Walmart credit card with a Walmart gift card?
No. Walmart gift cards cannot be used to pay your credit card bill. You must pay with cash, a bank account transfer, a debit card, or a credit card. In-store payments accept the same payment methods Walmart accepts at checkout.
Is there a fee to pay my Walmart credit card online?
No. Paying online through the Walmart Credit Card website is free when you transfer from your bank account. If you pay from a debit or credit card, your card issuer may charge a fee for the transaction, but Walmart does not.
What is the minimum payment on a Walmart credit card?
Your minimum payment is shown on your monthly statement. It is typically 1 to 3 percent of your total balance plus any fees and interest. Paying only the minimum means you will pay interest on the remaining balance and take longer to pay off your card.
Can I pay my Walmart credit card bill before my statement closes?
Yes. You can make payments anytime, and they will reduce your balance when ready. Paying before your statement closes lowers the balance that appears on your next statement and reduces the interest you owe.
What should I do if my online payment fails?
Check that your bank account information is correct in your Walmart Credit Card account. If the account details are wrong, update them and try again. If the payment still fails, contact your bank to confirm the account is active and has sufficient funds, then call Walmart Credit Card customer service for help.