Can You Pay off a Walmart Credit Card in Store?

If you have a Walmart card in your wallet, you are in luck if you need options to pay your bill. Walmart Stores, Inc. allows multiple payment options for its credit cards, including in-store payments. The multinational retail company has a store-only card and a general use credit card; both card balances can be paid at a retail location.

In addition, Walmart cards can also be used at Sam's Club stores although you can't pay your Walmart bill there. However, if you own a Sam's Club card, you can pay at the customer service desk inside its stores.

Key Takeaways

  • Walmart offers multiple ways to pay off your Walmart Rewards card.
  • You can now pay bills at the customer service desk of many Walmart stores.
  • The Walmart Bill Pay app allows you to pay your bills ($700 or less per bill) using your phone.
  • Walmart offers a Walmart retail card and a branded credit card from Capital One.
  • Like any credit card, you must pay your balance off in full every payment cycle if you want to avoid paying interest.

Payment Options With Walmart Credit Cards

Walmart allows its customers to pay credit card balances in a variety of ways. Payments can be made in any Walmart location at the customer service desk. If a consumer is also a Sam's Club member, they can pay at any Sam's Club location. Payments made in the store post to a consumer's credit card account within 48 hours. Walmart cannot look up credit card information in the store, and a physical card is needed to make payment with this method.

Another way is to pay a balance directly online using Walmart's portal. Consumers can sign into their Walmart credit card account to pay their balances, which posts within two to three business days. Online payments cannot be set up as recurring and need to be done individually.

E-payments can also be made to pay a Walmart credit card balance if you set up directly with your financial institution and select recurring monthly payments. A valid checking account is needed, of course. Consumers can also pay credit card balances by phone. Paying over the phone using its automated method is free but costs $10 if a representative helps you over the phone.

Capital One Walmart Rewards Card

Walmart offers two types of cards. An in-store only (for Walmart and Sam's Clubs) card and a traditional Mastercard from Capital One. The Walmart Rewards credit card can be a useful way to rack up reward points if you are a regular Walmart customer. If you use your Capital One Rewards at, including delivery and pickup, you can earn 5% cash back on your purchases. Shop in-person at Walmart, plus gas stations, travel venues, and restaurants using your card and earn 2% cash back, plus 1% everywhere else that accepts Mastercard.

In addition, for the first 12 months, if you shop at a Walmart store using Walmart Pay on your phone, you can also earn 5% cash back. This zero-annual fee card's balance can be paid off online or via the customer service desk at a Walmart store.

Walmart shoppers need a valid checking account with their routing number and account number ready to pay their cards over the phone, or a debit card can also be used.

What Is Walmart Bill Pay?

Walmart bill pay allows its customers to pay their bills at a Walmart store or online. According to its website, Bill Pay at Walmart, the name of the service, is connected to over 15,000 billers allowing you to pay your mortgage, cable, insurance, and rent (along with other billers) all while shopping at Walmart. The system is "powered by" MoneyGram and CheckFreePay, and Walmart claims that you may be able to have the payments post on the same day you pay them.

If you go to Walmart and plan on paying your bills there while you are shopping, you will need to bring in the accountant number and name of the company you are paying, the amount on the bill, and a cash or debit card to pay it with.

If you want to pay online, you can use the Walmart Bill Pay app, which will let you pay bills under $700 using your debit card.

The Bottom Line

If you have a Walmart credit card, you can pay it off in a Walmart store, online, via the Walmart Bill Pay app, or the "old fashioned" way by mailing your payment by way of your local post office.

Where Do I Send My Walmart Credit Card Payment?

You can send your Walmart credit card to the issuer, Capital One, or you can pay it online, or in a Walmart store.

How Do I Pay My Walmart Credit Card Online?

You can pay your Walmart credit card online by logging onto your Capital One Walmart Rewards Card account and paying from its portal.

How Long Does It Take a Walmart Credit Card Payment to Post?

If you pay your Walmart credit card bill at the store, it may post within 48 hours or less. Otherwise, it usually takes two to three business days for a credit card payment to post.

When Should You Make a Walmart Credit Card Payment to Avoid Interest?

You should make a Walmart credit card payment in the amount of the full balance to avoid interest.

What Happens if My Walmart Credit Card Payment Is Late?

If you miss a payment on your Capital One Walmart card, you may find yourself with a higher balance due to accrued fees and interest charges. In addition, if you miss more than one payment, your account could be canceled but before that happens, most likely, your credit score will take a hit.

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. "Options to Pay Sam's Club Credit Card."

  2. "Walmart Credit Card."

  3. "Accepted Payment Methods."

  4. "Bill Pay Overview."

  5. "Bill Pay Overview."

  6. "Walmart Capital One Credit Card."

  7. Capital One. "Here's What You Should Know About Late Credit Card Payments."

Open a New Bank Account
The offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace.