Paying your Walmart credit card bill online, by phone, by mail, or in person
You can pay your Walmart credit card bill through Walmart's website, by phone, by mail, or in person at a Walmart store. The fastest method is online through your account at walmart.com or the Walmart mobile app — payments typically post the same day if you pay before the cutoff time, which is usually 8 p.m. Eastern time. By phone, you can reach Walmart's payment line at the number on the back of your card; by mail, send a check to the address printed on your statement; in store, you can pay at the customer service desk with cash or a debit card.
Your payment due date appears on your monthly statement. Paying at least the minimum amount by that date keeps you current and avoids a late fee. If you pay after the due date, Walmart will charge a late fee (the amount varies by state) and may report the late payment to credit bureaus, which can lower your credit score. Paying the full balance each month avoids interest charges on purchases.
Key Takeaways
- Online payment through walmart.com or the Walmart app is the fastest method and posts the same day if submitted before 8 p.m. Eastern time.
- Payments by phone, mail, or in-store customer service are also available, though they take longer to post to your account.
- Your payment due date is listed on your monthly statement; paying after that date triggers a late fee and may damage your credit score.
- Paying only the minimum amount keeps you current but leaves you carrying a balance that accrues interest each month.
- Setting up automatic payments from your bank account ensures you never miss a due date.
Paying online through your Walmart account
Log into your account at walmart.com using your username and password, or download the Walmart mobile app and sign in there. Once logged in, look for "Credit Card" or "Manage My Card" in the menu, then select "Make a Payment." Enter the amount you want to pay and confirm the payment method — you can pay from a checking or savings account, or with another debit card. Review the details and submit.
Walmart will show you a confirmation number immediately after you submit. The payment posts to your account the same business day if you submit before 8 p.m. Eastern time on a weekday; payments submitted after that time or on weekends post the next business day. You can also set up automatic payments from your bank account so the same amount withdraws on the same day each month, which removes the risk of forgetting a due date.
Paying by phone or mail
To pay by phone, call the number on the back of your Walmart credit card. A representative will ask for your card number and the amount you want to pay, then confirm the payment method — usually a checking or savings account. The payment takes 1 to 3 business days to post after you call.
To pay by mail, write a check for the amount you owe, include your account number on the check, and mail it to the address shown on your statement. Mail payments typically take 5 to 7 business days to arrive and post. Do not send cash by mail. If you are paying close to your due date, mail is the slowest option and risks arriving late; use online or phone payment instead.
Paying in person at Walmart
You can pay your Walmart credit card bill at the customer service desk in any Walmart store. Bring your card or account number and pay with cash or a debit card. The payment posts to your account within 1 to 2 business days.
This option is useful if you prefer to handle payments in person or do not have online access, but it requires a trip to the store and takes longer to post than online payment. In-store payment is slower than paying online but faster than mailing a check, so it works well if you are paying a few days before your due date.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Walmart charges a late fee. The amount of the fee varies by state but is typically $25 to $35 for the first late payment. If you miss a payment by 30 days or more, Walmart reports the late payment to the three major credit bureaus — Equifax, Experian, and TransUnion — which can lower your credit score by 100 points or more depending on your current score and payment history.
Late payments stay on your credit report for seven years from the date of the missed payment. If you realize you will miss a due date, contact Walmart's customer service immediately; some cardholders have been able to negotiate a waived fee or a brief extension, though this is not may provide. After you catch up, continue making on-time payments to rebuild your credit score over time.
Setting up automatic payments to avoid missed deadlines
Automatic payments are the simplest way to ensure you never miss a due date. Log into your Walmart account online or in the app, go to "Make a Payment," and select "Set Up Automatic Payments." Choose the amount (minimum payment, full statement balance, or a fixed amount you set), the day of the month you want the payment to withdraw, and the bank account to draw from. Confirm and submit.
Walmart will withdraw the payment automatically on that day each month. You can change or cancel automatic payments anytime through your account. If your bank account does not have enough funds on the scheduled withdrawal date, the payment will fail and you may incur an overdraft fee from your bank as well as a late fee from Walmart, so make sure your account has sufficient balance before the payment date.
Understanding your statement and payment terms
Your monthly statement lists your opening balance, all purchases and fees from the past month, your minimum payment due, your full statement balance, and your due date. The minimum payment is the smallest amount Walmart will accept to keep your account current; it is usually 1 to 3 percent of your balance. The statement balance is the total amount you charged during the billing period.
If you pay only the minimum, the remaining balance carries over to the next month and accrues interest at your card's annual percentage rate (APR). Walmart credit cards typically carry APRs between 16 and 24 percent depending on your creditworthiness. Paying the full statement balance each month avoids all interest charges. If you carry a balance, you can calculate the monthly interest by multiplying your balance by your APR and dividing by 12.
Frequently Asked Questions
Can I pay my Walmart credit card bill with a credit card?
No, Walmart only accepts payment from a checking or savings account, debit card, or cash. Paying a credit card with another credit card typically counts as a cash advance and triggers higher fees and interest rates, so payment processors block this method. Pay from your bank account or with cash instead.
What time does my online payment need to be submitted to post the same day?
Payments submitted before 8 p.m. Eastern time on a weekday post the same day. Payments submitted after 8 p.m. or on weekends post the next business day. Holidays may also delay posting, so check Walmart's website for the current schedule.
How long does a mailed check take to post?
Mailed payments typically take 5 to 7 business days to arrive at Walmart's processing center and post to your account. If your due date is within a week, do not rely on mail; use online or phone payment instead to avoid a late fee.
Can I set up automatic payments for different amounts each month?
No, automatic payments are for a fixed amount that repeats on the same day each month. If you want to pay a different amount one month, you can make a one-time payment online or by phone in addition to your automatic payment, or temporarily pause automatic payments and resume them later.
What should I do if my automatic payment fails?
Log into your account and check the payment status. If it failed due to insufficient funds, make a manual payment immediately to avoid a late fee. Contact your bank to confirm your account has enough balance, then set up automatic payments again once the issue is resolved.