Comparing The Wallmart Credit Cards

You can apply for a Wallmart credit card in the store or online. Usually, they will have a table at the front of the store, but the online process is fast and easy too. But before you make that step, understanding the cards they offer may make the choice easier.

There are two types of credit cards Wal-Mart offers. One is a store credit card, good only at Wal-Marts, and the other is from Discover and will be taken anywhere they take Discover. Generally, the Discover card will have no limitations on which stores you can use it at.

With getting a Discover card, you also are entitled to getting the 1% cash back all of their cardholders get. Wal-Mart store cards don't offer this. The amount varies on how much you spend, and they will send you a rebate check instead of applying it to the card

Both cards have cash advances. With the Discover, you can get up to $100 ($60 for the store card) each day. It acts as if you bought something, instead of charging more for getting cash. You get cash back just like you would with a debit card, but you can only do it at a Wal-Mart register.

There is a protection plan against someone using your card without permission, or if it's stolen. There is also no yearly fee to have either card, which is another great benefit of them.

The biggest reason people apply for the cards are the 3 cents off the retail price at Wal-Mart gas pumps. When you use either card, you automatically get the money off each gallon you buy. This is a great way to save money for the whole year.

Often they have promotions for applying and being approved for their cards. If you meet the qualifications of a credit balance until the end of 2009, they offer no interest for a year to pay it back. Frequently, in store will also have promotions such as coffee cups, coupons and umbrellas to apply.

Anytime you apply for a credit card, you need to read everything that they have available to you. While these are great cards to have for the ease of shopping at a store that is practically everywhere, they do have different interest rates, depending on if you have good, or bad, credit.

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