Walmart Card Payment: Online, by Phone and by Mail

Walmart Card Payment: Online, by Phone and by Mail
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The Walmart credit card by Capital One Bank —Capital One Financial Corp. (NYSE:COF)— is an ideal option for consumers making everyday purchases at Walmart Inc (NYSE:WMT) and for those who make any regular payment at Walmart gas stations.

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As a holder of a Walmart rewards card, you’re eligible for Capital One Walmart rewards at any Walmart store. Walmart also has promos to avoid paying interest for the first six to 12 months.

So, keep reading to learn about Walmart credit card payment methods including payment processing, the Walmart Mastercard, online account access, Walmart pay, customer service, online account access, and more!

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Online Account Access

To manage all aspects of your Walmart credit card —money, cash, or any payment— you can start from the online account access.

Capital One Walmart Credit Card Login

To gain access to your Walmart credit card account, just visit the website where you have the option to either log in or set up your account. Once you’re on your online account, you’re on the right path to your Walmart credit card payment.

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Walmart Credit Card Payments Phone Number

Besides the online account, you can pay your Walmart credit card by phone. To do so, just dial the Capital One customer service line 877-294-7880. If you choose the assistance of the automated system, the call is free; if you talk to an agent, a $10 fee will apply.

Before any payment processing of your Walmart credit card you need:

  • The last four digits of the account number of your Walmart credit card.
  • Your bank account number and bank routing number

Walmart Credit Card Billing Address

For any credit card bill payment, besides your online account, you can mail your payment coupon to the following address:

Capital One

Attn: Payment Processing

P.O. Box 71083

Charlotte, NC 28272-1083

For an express payment, you can use:

Capital One

Attn: Payment Processing

6125 Lakeview Rd, Suite 800

Charlotte, NC 28269

Customer Service Hours

If you need help with any payment or else, “Sign in to 24/7. Call our Interactive Phone Service with 24/7 access at 1-888-464-7868. Speak to an Associate at 1-800-289-1992 from 8 AM to 8 PM, 7 days a week.”

How To Apply for A Walmart Credit Card Online Or In-store

Before applying for a Walmart credit card, you should be aware that the retailer issues two types of credit cards: the Walmart credit card and the Walmart Mastercard.

“The application process is the same for both cards, and you can’t choose which card to apply for – the issuer will approve you for either of the two cards.”

There are several ways you can apply for your Walmart credit card —Walmart rewards card— and obtain all the Capital One Walmart rewards as a holder: Mostly, you can do it online or at a Walmart store.

Either online or at a Walmart store, you’ll need the enter the following information: Full name, date of birth, current address, email, phone number, social security number, annual income, and further details.

To apply online, go to and follow the steps to submit your application. To apply in-store, go to the cashier, to whom you’ll hand over a valid photo ID and any other credit card you use. The cashier will enter the data or scan your credit card to gather basic information.

The person assisting you will ask you several questions and submit your application. You can get instant approval or be asked to call in to provide further information.


Does Walmart Take Pay Pal at The Register?

You can make a PayPal payment at the register of any Walmart store if you happen to have an account —if you have a PayPal debit or credit card. However, you can’t use your PayPal app when paying at Walmart as the store doesn’t have NFC technology that allows for contactless payment.

Does Walmart take Quadpay?

If you have a Quadpay account, you can make a payment at any Walmart store. However, as of 2022, Walmart does not accept Afterpay as a “Buy Now, Pay Later” service.

To make a Quadpay payment in-store or online, the first thing you should do is download the Quadpay app and locate the Walmart store inside the app through the search function. Then, you can add items to your cart if you are purchasing online through and pay.

Which Walmart Stores Accept EBT Online?

Electronic Benefits Transfer, or EBT, is a system through which welfare organizations can rapidly send people their benefit payments so they can use them more efficiently.

If you have an EBT account, you can make a payment at any Walmart store online through both EBT Food and EBT Cash in 44 U.S. states —the exceptions are Alaska, Arkansas, Hawaii, Louisiana, Manie, and Montana.

However, “residents in Arkansas, Alaska, Louisiana, Maine, and Montana may use their EBT benefits card in-store at checkout. Hawaii does not have any Walmart stores on its islands.”

Can I Use a Walmart Credit Card Anywhere?

You can make a payment for any Walmart purchase and anywhere else where Mastercard is accepted, with the Capital One Walmart Mastercard. The Walmart Rewards card, on the other hand, can only be used for Walmart payments —that includes Walmart and Sam’s Club stores, as well as any associated gas station and the Walmart website.

How Do I Make a Payment on My Walmart Mastercard?

To make a payment on your Walmart Mastercard, you can use the Capital One mobile app, or also by phone by dialing (800) 227-4825, via mail, or in person at any Walmart store.

Regarding payment processing, every card payment is usually posted within 2 business days. So, if you submit your payment by 8 p.m. ET, Monday through Saturday, “it will be posted by midnight on the same day it’s received. Otherwise, it will post the following day, by midnight.”

Final Thoughts

Walmart credit card payments are easy to do and there are several options —mail payments, online payments through the online account access, or by phone— and you can always turn to customer service when in need. Payment processing is 2 business days, either for the Walmart rewards card or the Walmart Mastercard.

Every payment on time will allow you to enjoy the benefits of one of the biggest retailers in the world!

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Jacob Wolinsky is the founder of, a popular value investing and hedge fund focused investment website. Jacob worked as an equity analyst first at a micro-cap focused private equity firm, followed by a stint at a smid cap focused research shop. Jacob lives with his wife and four kids in Passaic NJ. - Email: jacob(at) - Twitter username: JacobWolinsky - Full Disclosure: I do not purchase any equities anymore to avoid even the appearance of a conflict of interest and because at times I may receive grey areas of insider information. I have a few existing holdings from years ago, but I have sold off most of the equities and now only purchase mutual funds and some ETFs. I also own a few grams of Gold and Silver
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