Walmart is well known for its low everyday prices, conveniently located neighborhood markets, and sprawling supercenters. What is less well known is that Walmart also offers credit cards.

When it comes to the timing of paying your Walmart credit card, as long as you pay before your payment due date you will be fine.

Pay later than that and you will be hit with a late fee of up to $39. To avoid late fees, you should try to pay your Walmart credit card bill asap, or even set up Auto Pay.

Ways to pay Walmart credit card bill:

• Via Walmart website
• Use Walmart app
• Use your bank’s app
• By Phone
• By Mail
• In Person

The best way to pay your Walmart credit card bill is by using the Capital One Walmart website. Just sign in, click on Make a Payment, choose payment type, and click on Submit Payment.

You can also pay Walmart credit card by mobile app, auto-pay, phone, mail, or in person at Walmart MoneyCenter.

Walmart partners with the financial service company Capital One to offer two credit cards: Capital One Walmart Rewards Mastercard and Walmart Rewards Card.

The Capital One Walmart Rewards Mastercard is for people with a credit score in the 600s or above.

It works everywhere Mastercard is accepted. It offers 5% cash back at Walmart.com including pickup and delivery; 2% cash back in Walmart stores & fuel stations, at restaurants, and on travel; and 1% cash back everywhere else Mastercard is accepted.

The Walmart Rewards Card is for people with a credit score in the high 500s. It only works at Walmart.com, Walmart stores, and Walmart fuel stations.

It offers 5% cash back at Walmart.com including pickup and delivery; and 2% cash back in Walmart stores & fuel stations.

Let’s take a look at different methods to pay for your Walmart credit card. We will give you step-by-step instructions to make the process as clear and easy as possible for you.

Can I Pay My Walmart Credit Card Online?

You can pay your Walmart credit card bill online on Capital One’s website. To pay your Walmart credit card bill online, log in to your account and select “Make a Payment”. You will be prompted on when to pay and the payment source. You can also set up automatic payments to pay for your Walmart credit card bill online.

Step 1. Set Up Capital One Online Account

Before you can pay your credit card online, you have to first set up your Capital One online account. Have your Capital One Walmart Rewards Mastercard or Walmart Rewards Card ready with you, and get a valid email address. If you do not have one, you can sign up for a free web email account on services such as Google’s Gmail or Microsoft’s Outlook email

1. Go to the Capital One Walmart website here
2. Click on the Set Up My Account button on the lower right part of the screen
3. Fill in your last name, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and date of birth
4. Click Find Me
5. Fill in your Walmart credit card number, the 3-digit security code from the back of your credit card, and your email address
6. You will be asked to create a username for your online Capital One account. Choose one that is easy for you to remember and is not taken by any other user
7. You will also be asked to enter a password for your online Capital One account. Choose one that is not easy to guess, preferably containing both upper and lower case letters, numerals, and symbols such as @ or &
8. Capital One will send a verification email to the email address you have given to them
9. Sign in to your email account, click on the verification link that Capital One has sent you to verify your email
10. Once your verification is complete, you are all set

Step 2. Set up Payment Method for Capital One Credit Card Online

Once you have set up your Capital One online account, you would need to set up your checking account as the payment method for your credit card.

1. Go to the Capital One Walmart website here
2. Click on the Sign In button on the lower left part of the screen
3. Enter the username and password you have chosen for yourself when you set up your online Capital One account
4. Click Sign In
5. Next, you have to set up your checking account as your payment method so that when you pay your credit card online, funds will be drawn from your checking account
6. Enter the routing number of your bank and the account number of your checking account to set up your payment method
   • The routing number of your bank is 9 digits long. It is the 1^st set of numbers printed on the bottom left side of your checks
   • The account number of your checking account is typically 10 – 12 digits long depending on your bank. It is the 2^nd set of numbers printed on the bottom of your checks, just to the right of the bank routing number
7. You can set up more than 1 checking account as your source of credit card payment funding. That way, you can choose to use a different checking account to pay for your credit card each time you make a payment
8. Once your checking account is set up as a payment method for your account on the Capital One website, you can use it to pay for not just your Capital One Walmart credit card but all other Capital One credit cards you might own

Step 3. Pay Your Walmart Credit Card on Capital One Website

After you have set up your Capital One online account its linked payment method, you can sign in to your account anytime to pay your Walmart credit card bill.

1. Go to the Capital One Walmart website here
2. Click on the Sign In button on the lower left part of the screen
3. Enter the username and password you have chosen for yourself when you set up your online Capital One account
4. Click Sign In
5. Select the Capital One credit card you want to pay – in this case, it would be your Capital One Walmart credit card
6. Click Make a Payment
7. Fill in the amount of money you want to pay. Your options are:
   • Statement Balance: If you pay this, you will not be incurring interests on your credit card
   • Current Balance: This amount is typically more than the statement balance. In most cases, there is no reason to pay this much. Do not choose this
   • Minimum Payment: This is the minimum amount you have to pay to avoid being charged with a late fee
   • Custom Amount: Enter an amount more than the minimum payment so that you would not be charged with a late fee
8. Click Continue
9. Enter the date you want to make your payment
10. If you have more than 1 checking account set up as your payment method, you can select which checking account you want to use pay your credit card
11. Click Submit Payment
12. You are all set

Can I Pay My Walmart Credit Card with Mobile App?

You can pay your Walmart credit card bill using Capital One’s mobile app. Start by using Capital One mobile app to access your account on iPhone or Android. You can pay for your bill and check your balances anywhere you go.

1. Download the Capital One mobile app iOS | Android
2. Set up your account on the mobile app. If you have already set up your account on the Capital One website, that account also works on the Capital One mobile app. You can use your web username and password to sign in to your mobile app
3. Set up your checking account as a payment method on the mobile app. If you have already set up a payment method on your account on the Capital One website, you can skip this step
4. Follow the instructions to pay your credit card. Funds will be drawn from the checking account you have set up in the above step

Can I Pay My Walmart Credit Card by Phone?

Whether you have the Capital One Walmart Rewards Mastercard or the Walmart Rewards Card, you can pay your credit card bill by phone. The number to call is 877-294-7880 and it is the same number for both cards.

Know this before you call:

• Before you call, have your Walmart credit card ready with you because you would be asked to provide your credit card number during the payment process
• You would also need a valid checking account or a valid debit card
• If you are paying with your checking account, write down the routing number of your bank and the account number of your checking account on a piece of paper
  • The routing number of your bank is 9 digits long. It is the 1^st set of numbers printed on the bottom left side of your checks
  • The account number of your checking account is typically 10 – 12 digits long depending on your bank. It is the 2^nd set of numbers printed on the bottom of your checks, just to the right of the bank routing number
• If you are paying with your debit card, have it ready with you

Calling Process:

1. Call 877-294-7880 or the number printed on the back of your Walmart credit card
2. Follow the instructions of the automated payment system to pay your credit card bill. There is no service charge for paying your bill this way
3. If you want the help of a human in making your payment, you can opt to talk to a customer service representative at any point during your phone call by pressing “0”. However, you will be charged a service fee of $10 for this human touch

Can I Pay My Walmart Credit Card by Mail?

You can pay your Walmart credit card by sending in your payment through the mail. If you are paying by mail, you would need to use a personal check or a money order for your payment. Cash is not allowed. To make sure your payment will be credited to your credit card account, write your credit card number on the front of your check or money order

Use the payment envelope that comes with your credit card statement. Put your check or money order together with the payment coupon that comes attached to your credit card statement into the payment envelope

If you do not have the payment envelope that comes with your credit card statement, you can send your payment to the general payment mailing address of Capital One:

Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083

Can I Pay My Walmart Credit Card at Walmart?

You can pay your Capital One credit card in person at any Walmart Money Center. You need to bring your Walmart credit card to the store as the employees there will not be able to look up your credit card account.

You also need to bring the payment coupon that comes with your credit card statement. You can pay with cash, a personal check, or money order. If you prefer to pay your Capital One credit card bill with a debit card, you need to call Capital One at (800) 227-4825 to make the debit card payment.

What other bills can you pay at Walmart MoneyCenter?

Besides credit card bills, you can also pay your phone and cable bills, utility bills like electric and gas, insurance, mortgage, rent, and even sending money to an inmate or child support. You can search for a list of more than 15,000 vendors to pay bills on Money Services in Walmart app.

If you want to pay other bills at MoneyCenter, have these things ready before going there:

• Company name
• Account number(s)
• The amount you want to pay
• Money (cash or a debit card)

How to pay in person:

1. Go to any Walmart store
2. Go up to any customer service desk or cashier counter inside the store
3. Give the customer service representative or the cashier your credit card, your payment coupon, and your payment
4. Make sure you get a receipt
5. Your payment should be posted to your credit card account within 24 to 48 hours

Related: What Time Does Walmart Open? All Departments & Holiday Hours 2021

Can I Pay My Walmart Credit Card with Mobile App?

If you do not want to create yet another online account or download yet another mobile app just to pay your Walmart credit card, you can use your bank’s website or mobile app to do so.

Pretty much all banks will allow you to receive and pay e-bills from hundreds of companies including credit card companies, cable providers, utility companies, mobile service providers, and more.

1. Sign in to the website or mobile app of your bank
2. Go to the “Bill Payment” section
3. Click on “Add a Company”
4. Find “Capital One” under the “Credit Cards” category or “Walmart” under the “Store Cards” category. Add that as a billing company to your account
5. Enter the information of your Capital One Walmart credit card to set up e-billing
6. From now on, you will receive your Walmart credit card bills through the website or mobile app of your bank. You can then pay your credit card bill from within your bank account
7. You can also set up your other bills in a similar manner. This way, you can pay all your bills – credit cards, car loan, mortgage, utilities, phone, Internet, cable TV, etc – in one place using your bank account website or mobile app

If You Miss a Payment on Walmart Credit Card

Missing a credit card payment is never a good idea. But it is an especially bad thing when it comes to the Capital One Walmart credit card, mostly because of the high interest rate charged by this card.

When you miss a Capital One Walmart credit card payment, a few things will happen.

• Late Fee: You will be charged a Late Payment Fee of as much as $39
• APR Increase: If you miss a payment, Capital One may raise your APR in response
• Credit Score Hit: Whether you pay your bills on time is the biggest factor in the calculation of your credit scores. When you miss a payment to your Walmart credit card, Capital One may report that to the credit bureaus, causing a big hit to your credit scores. While the exact formulae of credit score calculation are kept secret by the 3 credit bureaus (Equifax, Experian, and TransUnion), generally a single late payment that is more than 30 days past due can reduce your credit score by as many as 100 points. That is a very significant drop as far as credit scores are concerned. Worse still, a missed payment will typically stay on your credit reports for as many as 7 years

What to do when you miss a payment:

• Make a Payment As Soon As Possible: The longer you wait, the more interest you will be charged
• Call Customer Service: If you have only missed your payment by 2 or 3 days, you can ask customer service to waive or reduce your late fee

How to Set Up Auto Pay for Walmart Credit Card

You can set up auto-pay on your Capital One account online so that each month on due date a payment will be made automatically on your behalf. You do not have to lift a finger and there will never be any late fee.

Make sure you have set up your Capital One online account and linked your checking account as an associated payment method as described in the section above.

1. Go to the Capital One Walmart website here
2. Click on the Sign In button on the lower left part of the screen
3. Enter the username and password you have chosen for yourself when you set up your online Capital One account
4. Click Sign In
5. Select the Capital One credit card you want to set up auto-pay for – in this case, it would be your Capital One Walmart credit card
6. Click on Set Up Automatic Payment
7. Select the amount of money you want to auto-pay each time. Your options are:
   • Statement Balance: If you choose this, you will not be incurring interests on your credit card
   • Minimum Payment: This is the minimum amount you have to pay to avoid being charged with a late fee
   • Fixed Amount: The minimum amount for this option is $35
8. If you have more than 1 checking account set up as your payment method, you can select which checking account you want to use for your automatic payment
9. Make sure you have enough money in your checking account on the payment due date each month to cover your chosen payment amount. Otherwise, you will be charged an overdraft fee by your bank
10. Click Submit
11. You are all set. Your payment will be made automatically each month on your payment due date

How to Change Payment Date for Walmart Credit Card

If your bills – credit card, mortgage, auto loan, student loan, utility, and more – all come due at around the same time each month, that could put a lot of unnecessary pressure on your cash flow and finance. In that case, it may be a good idea to change the due dates of some of your bills to smooth out your cash flow. In this section, we will focus on changing the payment due date of your Walmart credit card.

The issuer of Walmart credit cards, Capital One, offers an easy way for its users to change their payment due dates either online or by phone.

How to Change Payment Date Online

1. Go to the Capital One Walmart website here
2. Click the Sign In button
3. Sign in to your Capital One online account with your username and password
4. Select the Change Due Date link
5. Enter the date of the month you want to change your payment due day to
6. Click Submit
7. You are done

Tip: Your Capital One Walmart credit card payments are due on the same date every month. That means you will not be able to select the 29^th, 30^th, or 31^st as your new payment due date since those dates do not exist every month

How to Change Payment Date by Phone

Before you call to change your credit card payment due date, make sure you have decided on a new due date.

1. Call 1 (877) 294-7880 or the number printed on the back of your Capital One Walmart credit card
2. Tell the customer service rep you want to change your payment due date