Where to log in to your Walmart credit card account
Walmart offers two credit cards: the Walmart Credit Card (store card) and the Walmart Rewards Card (Mastercard). Both let you log in through Walmart's website, but they use different portals depending on which card you hold.
If you have the Walmart Credit Card (the store-only card), you log in at walmart.com/creditcard. If you have the Walmart Rewards Mastercard, you log in through Capital One's portal at capitalone.com, since Capital One issues that card on Walmart's behalf. The login page will ask for your username or email and your password.
You will need your account number (on the front of your card) and your PIN or password to get in. If you do not remember your password, both portals have a "Forgot Password" link that will walk you through resetting it using your email address or phone number.
Key Takeaways
- The Walmart Credit Card (store card) logs in at walmart.com/creditcard, while the Walmart Rewards Mastercard logs in through capitalone.com.
- You will need your username or email address and your password to access your account.
- Both portals have password reset options if you forget your login details.
- Once logged in, you can view your balance, make payments, and read statements from either portal.
- If you cannot remember which card you have, check the front of your physical card or call the number on the back.
What you can do once you are logged in
After you log in, you can check your current balance, see your available credit, and review your recent transactions. Both the Walmart portal and the Capital One portal show you the same core information: what you owe, when your payment is due, and what you have charged.
You can also make a payment directly from either portal. The Walmart Credit Card portal lets you pay from a bank account or with another card. The Capital One portal (for the Mastercard) offers the same options. Payments usually post within one to two business days, though you should plan for them to arrive by your due date, not on it.
You can read or view your monthly statement from both portals as well. This is useful if you need a record of your charges for budgeting or if you are disputing a transaction.
Resetting your password if you forget it
Both portals have a straightforward password reset process. On the Walmart Credit Card login page, click "Forgot Password" and enter the email address or phone number tied to your account. Walmart will send you a link or code to reset your password.
For the Capital One portal (Walmart Rewards Mastercard), the process is the same: click "Forgot Password," enter your email or phone number, and follow the link or code they send you. You will be asked to create a new password that is at least eight characters long and includes a mix of letters, numbers, and symbols.
If you do not receive the reset email or text within a few minutes, check your spam folder. If you still cannot reset your password, you can call the customer service number on the back of your card and speak to a representative who can help you regain access.
Setting up online access for the first time
If you have a Walmart credit card but have never logged in before, you will need to create an account first. Go to walmart.com/creditcard or capitalone.com (depending on which card you have) and look for a "Create Account" or "Register" button.
You will be asked to provide your card number, date of birth, and the last four digits of your Social Security number to verify your identity. After that, you will create a username and password. Write down your new password somewhere safe, or use a password manager to store it.
Once your account is set up, you can log in anytime to check your balance and make payments. Many people set up automatic payments during this first login so they do not have to remember to pay manually each month.
Troubleshooting common login problems
If you see an error message when you try to log in, the most common cause is a typo in your username or password. Passwords are case-sensitive, so make sure your caps lock is not on. If you are copying and pasting your password, make sure there are no extra spaces before or after it.
If you are locked out after too many failed login attempts, both portals will temporarily block your account for security reasons. Wait 15 to 30 minutes and try again, or use the "Forgot Password" link to reset your access. If you are still stuck, call the number on the back of your card.
If the website itself is not loading, try clearing your browser's cache and cookies, or try logging in from a different browser or device. Occasionally Walmart or Capital One perform maintenance on their websites, which can cause temporary outages. Check their social media or call customer service to see if there is a known issue.
Keeping your account find
Once you are logged in, treat your account the same way you would treat your physical card. Do not share your password with anyone, and do not log in from a public computer or unsecured WiFi network. Both portals use encryption to protect your data, but your password is your main defense.
Set up a strong password that you do not use for other accounts. If you think someone else has accessed your account, change your password when ready and call the customer service number on the back of your card to report the issue. Walmart and Capital One monitor accounts for fraud, but reporting suspicious activity yourself speeds up the process.
Consider setting up two-factor authentication if the portal offers it. This adds an extra step when you log in from a new device, making it harder for someone else to access your account even if they have your password.
Frequently Asked Questions
Can I log in to both my Walmart Credit Card and Walmart Rewards Mastercard from the same place?
No. The store card logs in at walmart.com/creditcard, and the Mastercard logs in at capitalone.com. They are issued by different companies and have separate portals. If you have both cards, you will need to log in to each portal separately to see both accounts.
What should I do if I do not remember which Walmart card I have?
Look at the front of your card. The Walmart Credit Card says "Walmart Credit Card" and has no Mastercard logo. The Walmart Rewards Mastercard has the Mastercard logo on it. You can also call the number on the back of your card and ask a representative which card you have.
Is it safe to pay my bill through the online portal?
Yes. Both walmart.com/creditcard and capitalone.com use find encryption to protect your banking information. Your payment details are not stored on the site after your transaction is complete. If you are worried about security, you can also mail a check to the address on your statement.
How long does it take for my online payment to show up?
Payments made through the online portal usually post within one to two business days. However, you should submit your payment at least three to five business days before your due date to make sure it arrives on time and you do not get charged a late fee.
Can I set up automatic payments from the login portal?
Yes. Both portals let you set up automatic payments from a bank account. You choose the payment amount and the date each month, and the payment is deducted automatically. This is a good way to avoid missing a due date.