Walmart MASTERCARD Consumer Reviews

There are numerous fraudulent purchases on this card. Upon activating your account, you'll incur unexpected insurance fees monthly, stemming from purchases you're unaware of. Even if you make calls to cancel all of them, all of them will automatically recur again in the next year. They won't rebate your account balance for these charges, leaving you to cover the bill yourself or risk damaging your credit. Instead, they routinely issue new cards with supposedly rebated balances, which often isn't the case upon account inspection after card receipt. Regarding customer service, they always fail to address customer issues, employing convoluted language to create further complications rather than offering straightforward solutions.

It was part of my own principle to pay back immediately the amout used on my rewards card. However, there was a proven scam that someone had used my card to buy a subcription for a video game and that also in US dollars. this occurred last year in 2023 around the month of November and yet the matter is not fully resolved. I am still getting letters to pay off the amount I have been scammed!

No one should apply it anyway. It has the worst security system and the worst customer service. Two years ago I discovered 3 fraudulent transactions. I contacted customer service six times and they kept asking me to contact the store directly or I had to pay. I wrote a letter to complain, and they canceled the bill. One year after canceling the account, I kept receiving email alerts that someone changed my phone number. After the complaint, the matter was processed. Yesterday, someone changed it again.

Customers service does not do what they say. Security department does not function the way it is supposedly have to.
I have been waiting for my card cancelation, refund and new card for over three months. Called them 4 to 5 times, every time promise and issuance is given with no results.
Customers service reps do not have clear English as well.

DO NOT USE THIS CARD.

My 83 year old aunt used the card 2-3x per months for the last 10 years. Only 1 pre-auth. Someone called Mastercard and got a new card with her name and a different number and bought 12k in gift cards (and 1 gas and McD's) in just over 4 weeks.

Walmart sent it to collections and would not even listen to us when we called to deal with. They told us "not our problem" Their fraud systems should have picked up dozens of gift cards which was not her pattern.

Dealing with police now. Wasted hours...

I've had this credit card for 6 weeks & the system has automatically blocked it twice. It seems that anytime you try to use this outside of an actual Walmart store, it blocks it. And OMG, getting it unblocked is a friggin nightmare with customer service. Be prepared to have to make multiple phone calls & speak to several agents before they are able to figure this out. And then of course, it will block again. I'm done with this ridiculous company. My card is cut up & in the trash can where it belongs.

I'm using the third credit card from Walmart rewards Mastercard
No support when there are discrepancies. I reported fraudulent charges being deducted from my credit card without my consent. Customer service put the onus on me and did not go after the crooks that stole my money.
I was forced put a stop order on my credit card. I have to reapply for a new card. Because they would not block the fraud from happening.
Walmart rewards Mastercard has no intention of getting my money back.

I had Walmart reward card for years. It was Ok at the beginning as you can use the cash-back money to shop at Walmart. Then it was hacked few times. The company increase the month limit to let the card being used continually.

Last year, I used the card in US then the card was blocked for no reason. I paid off the owed money (deducted the rewards amount), but the rewards money didn't count. They kept charging me the interest and phoned me many times. There was never smooth communication with the staff over the phone.

The online service function is terrible. No paperless statement, no text reminders when you make any purchase by the card, and not a safe card to use.

I am really upset as this CREDIT CARD is being managed by off-shore staff, which is not the problem. Their ability to facilitate FRAUDULANT charges is, however. I have called them three times regarding something that occurred with my card. As I did admit to "being suckered" by a SCAM, I wanted assistance to lodge an investigation. These CSR and Fraud department staff told me they would MAIL - yes I said MAIL a form for me to fill out. Three times they have said this and for 4 - WEEKS no form has arrived and there has been no follow-up with an email nor have they remedied the situation. Let me be clear, their Walmart Dollars mean ZERO, if their CSR and Fraud Department can't facilitate an investigation via email. DON'T WASTE OR TIME OR YOUR MONEY WITH THIS CARD. Get a BANK Card and you will have appropriate service in a timely manner. THE WORST SERVICE EVER.

Beware. Don't get misled by the various paid (fake) reviews about the Walmart rewards card. Look at the actual customer reviews which will open your eyes. Except for the 'rewards' that you can use only at Walmart, this is a very bad card with horrible customer support. If you have any dispute then God saves you. First, call customer support. They say 'you have to wait until the merchant charges your card, right now it is pending merchant action'. But I realized this is a fraudulent merchant with a fake website, can't you stop them from charging my card? 'No, we can't do that'. Ok, so you call 'after' the card is charged. you get transferred to their 'security' team. they waste 15-20 minutes of your time and then say that 'this should be handled by our dispute team' and they transfer you there. The 'dispute' team wastes another 15 minutes of your time and then says 'oh this is a 'world' master card so we have to transfer you to another dispute team'... 15-20 more minutes then they say 'ok we can create the dispute but you have to call the 'actual' dispute team who work only Monday to Friday 8 am to 5 pm'. Really? 'and we cannot provide you the direct number of that team, you have to go through support'. Really? So the time of their teams is important but the customer's time is not? Does a customer have to waste hours just to file a dispute for a fraudulent transaction? And why should the customer be thrown around between their various departments? None of their customer support seems to be empowered to do 'anything' other than say the same standard statements again and again like a parrot. worst ever.