Holders of Walmart credit cards can make payments on their balances due by mail, online or at Walmart and Sam's Club stores. Cardholders can access their online accounts through Walmart's website. Additionally, Walmart allows its card members to make payments over the phone. However, Walmart may charge a fee for expedited phone payments.

Walmart Credit Card

The Walmart credit card is administered by Synchrony Bank and is designed to reward its cardholders for spending their money at Walmart stores. As a reward, Walmart provides free FICO reports on a monthly basis, 5 cent per gallon gas savings at Walmart gas stations and special financing offers. If a person makes an in-store purchase over a certain dollar threshold, he is eligible for promotional financing. For this financing offer, no interest is charged for a specified promotional period as long as the cardholder makes fixed amount monthly payments and repays his balance in full.

Walmart Credit Card Payments

Walmart credit card holders must make at least the total minimum payment due on their accounts by 5 p.m. Eastern Time on the due date. To avoid interest charges, cardholders must repay their total outstanding balances from their previous statements. If a Walmart credit cardholder makes a late payment, he is charged a late penalty fee of up to $35.

Walmart charges an annual percentage rate (APR) of the prime rate plus 19.65% on any unpaid balances from previous statement periods. Cardholders must make all payments in U.S. dollars by either a physical or electronic check, money order or a comparable instrument issued by a U.S. bank.