How to Apply for the New Walmart Canada Credit Cards

Applying for one of Walmart Canada’s newly updated credit cards is a straightforward process, but it’s important to understand the steps, eligibility requirements, and which consumer profiles truly benefit from the card. Although the cards have improved, they are not ideal for everyone. Below is a complete guide explaining how to apply, who the cards are best suited for, how to cancel, and what to expect before submitting your application.

How to Apply for the Walmart Canada Credit Card

There are two main ways to apply: online through the official website and in person at any Walmart store. The Walmart Rewards Mastercard has simpler approval criteria, while the Walmart World Mastercard requires a higher household income.

1. Applying Online

1. Visit the official Walmart Canada credit card website.
2. Choose the card you want to apply for:
   • Walmart Rewards Mastercard (standard version)
   • Walmart World Mastercard (premium version)
3. Fill out the online form with your personal details:
   • Full name
   • Date of birth
   • Residential address
   • Phone number and email
   • Income information
4. Submit the application and wait for the automated analysis.
5. Some applications are approved instantly, while others may require additional documentation.
6. Once approved, your card will be mailed to your address within a few business days.

2. Applying In-Store

If you prefer personal assistance or want to clarify details before applying, you can do it directly at a Walmart location:

1. Go to the customer service desk or financial services kiosk.
2. Provide a valid ID.
3. Answer the income and personal information questions.
4. Wait for the approval decision, which usually happens on the spot.
5. If approved, the card will be sent to your home.

This option is especially helpful for shoppers who prefer face-to-face service or want guidance before submitting the application.

Who the Walmart Canada Credit Card Is Recommended For

These updated cards are not universal solutions. They work extremely well for certain shoppers, but they may be underwhelming for others. Before applying, it’s essential to understand whether your consumption habits match what the cards offer.

1. Shoppers Who Frequently Buy Walmart Private-Label Products

The highest reward — 5% back on Walmart-branded items — is particularly valuable for customers who regularly purchase George clothing, Great Value, or other private-label items. The more private-label products in your cart, the more meaningful the benefit becomes.

2. Consumers Looking for a No-Annual-Fee Card

Both Walmart cards have no annual fee, making them attractive for individuals who want a basic rewards structure without ongoing costs.

3. People With Daily Spending on Gas and Transit

The 2% back on gas and public transit is helpful for shoppers who frequently spend on transportation and want a simple way to earn consistent rewards in these everyday categories.

4. Users Who Don’t Rely on Credit Card Insurance or Premium Perks

Since the insurance coverage is extremely limited, the card is best for individuals who do not depend on purchase protection, extended warranty, or travel-related benefits.

How to Cancel the Walmart Canada Credit Card

If you decide the card no longer fits your needs, the cancellation process is simple and uncomplicated.

1. Cancel by Phone

This is the fastest method.
Have the following information ready:

• Card number
• Identification document
• Registered address

Once the representative confirms your identity and ensures there is no balance due, the account can be closed.

2. Cancel in Writing

Some customers prefer to request cancellations by email or postal mail. Although less common and slower, written requests are accepted and processed by the issuing bank.

3. Ensure the Balance Is Cleared

A crucial detail:
You cannot cancel the card if there is an outstanding balance.
Any remaining charges or installments must be fully paid before the account can be closed.

Frequently Asked Questions

1. Do I need to prove my income to apply?
Yes, especially for the Walmart World Mastercard, which requires a higher household income.

2. Is there an annual fee?
No. Both cards have no annual fee.

3. Is approval instant?
Often yes, but some applications require extra verification.

4. Does the 5% cashback apply to the entire purchase?
No. It applies only to Walmart private-label items.

5. Can I use the card outside Walmart?
Yes. It’s a Mastercard, so it works at many retailers.

6. Is cancellation easy?
Yes, as long as the balance is fully paid.

Conclusion

The new Walmart Canada credit cards represent a clear improvement over previous versions and can be worthwhile for a specific type of shopper — especially those who frequently buy Walmart-brand products. If that matches your habits and you want a no-fee card with simple day-to-day rewards, applying may be a smart decision. Otherwise, it’s best to consider alternative credit cards before proceeding.

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