Activate your physical card and manage payments, instalments and rewards, all in one secure place.
Enter the details from the physical Walmart Credit Card you received in the mail.
Your details are encryptedWe never store your full card number on this device.
This helps us keep your account safe and secure.
Used once to confirm your identity with the issuing bank.
We texted a 6-digit code to the mobile number ending ••3418.
Didn't get it? (0:24)
Use your info to sign in on this app or a new device.
Use this PIN for in-store purchases and identity checks with support.
Turn these on for faster, safer everyday access.
Change these any timeAll of it lives under More → Security and Alerts.
Your Walmart Credit Card is active and ready to use. Unlock with Face ID anytime to check your account.
Tap to unlock with Face ID
Look at your phone to unlock
Enter your 4-digit PIN to unlock your account.
Walmart Pay is linkedTap to pay in store and your rewards apply automatically at checkout.
One account, two ways to pay. Your Mastercard works anywhere; your store card works at Walmart.
New purchases are declined instantly. Instalments and autopay keep running.
No interest this periodYou paid your full statement balance last month, so nothing was charged.
Activate an offer and it applies automatically when you pay with this card.
Choose how much to pay. Payments post the same business day.
Paying the full statement balanceYou'll be charged $0 interest this cycle. Paying the minimum would cost about $38 in interest.
Choose the account this payment comes out of.
Pay the statement balance automatically each month.
Posted instantlyYour available credit updates as soon as the payment goes through.
By paying you authorize a one-time debit from the account above. Cancel before 5:00 PM ET today.
Your payment of $2,317.42 is on its way.
A temporary credit is on your account$43.00 was credited while we investigate. Most cases close within 10 business days.
0% interest on every planA fixed monthly fee is shown before you confirm. No surprises later.
Split an eligible purchase over 3 to 24 months at 0% interest. Purchases over $100 in the last 60 days qualify.
What can be split?Any single purchase of $100 or more, made in the last 60 days, that hasn't already been paid off.
Choose a recent eligible purchase to split into monthly payments.
Don't see your purchase?Only purchases of $100+ from the last 60 days are eligible.
Splitting Samsung 55 inch TV. No interest charged — just a fixed monthly fee.
How it appears on your billThe full amount leaves your revolving balance. Each monthly payment shows up as its own line.
You can pay a plan off early at any time with no penalty.
Samsung 55 inch TV is now split over 6 months.
Reminders are onWe'll notify you 3 days before each payment is taken.
Posted instantlyYou'll get a confirmation as soon as it's done.
Your payment of $43.20 has been made.
How much of your $124.00 do you want to apply to your balance?
Redemptions are finalOnce applied, rewards can't be converted back to points.
$25.00 has been applied to your card balance.
Version 1.0.0 (Concept build)
Speculative case study · Not affiliated with Walmart Inc.
Manage how you sign in and verify it's you.
New device signed in Sep 10If this wasn't you, sign that device out and change your password.
Choose a new 4-digit PIN for in-store purchases and ATM use.
Pick something hard to guessAvoid repeated digits, your birth year, or sequences like 1234.
Off — you're paying manually each month
You'll never miss a paymentWe'll still send you a reminder 3 days before, so you can adjust.
Autopay is offTurn it on to pay automatically each month and avoid late fees.
Pick what we notify you about. Fraud alerts always stay on.
Reporting a card locks it right awayNew charges are declined instantly. Instalments and autopay keep running.
Free delivery in 5–7 business days.
Order a new physical card. Your account number and instalment plans stay the same.
Arrives in 5–7 business daysYour current card keeps working until you activate the new one.
We're here 24/7 for anything urgent, like a lost card or a charge you don't recognize.
This is a speculative student concept created by Dipak Deb Nath.
Not affiliated with, endorsed by, or connected to Walmart Inc.
Purchases are declined once you reach it. Instalments and autopay keep running.
You'll get a push notificationWe'll let you know when you've used 75% of your monthly limit, so nothing gets declined by surprise.
Cap what you spend here without touching your other categories.