With more people starting small businesses these days, having the right credit card can often be the difference between financial flexibility and success or financial disaster and bust. Walmart card is an elite card for all the shoppers and offers range of feature specifically designed for small businesses. The card has no annual fees and the lowest APR rate in the market. The card also offered rewards which can redeemed at Walmart. The best thing about this card is the easy to use online dashboard provided by walmart to login into the credit card account and manage every aspect of your credit card. Be it checking your bill or increasing your limit everything can be done online.

Walmart Card Review

Walmart credit card is one of the most elite in store credit card category. If you have been watching TV lately, you have probably seen the funny commercial about the individual who uses a card with a funny card face to pay for a groceries at walmart. The moral of story is the this credit card is prestigious and impressive in almost any situation and can also give your small business a certain level of credibility in business situations.

So let’s talk about the negatives first. The card does come with a high Cash advance fee which you will be charged annually after your first year. In addition, you will be charged $45 for an extra card, which is waived in many competing offers. In addition, this card is a charge card which means you will have to pay the full amount at the end of each month (your due time).

But there are so many benefits to this card as well. As mentioned before, the card is a prestigious card that gives your small business more credibility. In addition, you can take advantage of AMEX’s rewards program which is the best one that is out there. You also save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®. Your first purchase entitles you to 5000 points which should be a good incentive for you to start using this card. When you have spent $20,000 on your card, you’ll be rewarded with another bonus of 5,000 membership points. Reach $50,000 in spending and get a bonus of 20,000 points. Renew your card after the first year, and receive a bonus of 10,000 points. Spend an average of $5,000 each month and receive 60,000 points. And let’s not forget that every dollar you spend gets you a rewards point.

There are no limits for the number of points you can earn and your points do not expire. You also have the most flexibility with your points as you can choose to spend them whenever you want. You can use them for travel or entertainment activities. The choice is yours.

The walmart credit card is for serious shoppers and small businesses. The cash advance fee is not substantial but it will be an extra cost if you don’t plan on using all the rewards offered with your card. Overall, the card is worth it if you have substantial spending each month. In that case, it can save you a lot on your future needs, making this card great for small businesses that are past the early stages.

Verdict: highly recommended

You can find out more about Walmart Credit card here .

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