As part of their financial services portfolio, Wal-Mart offers two credit cards. As the popularity of these credit cards increases, consumers are searching for them online. Because most of you are searching for information on these credit cards using the term Walmart as opposed to the branded name which is Wal-Mart, you will find these two terms interchanged throughout this article. This was done to make it easier for you to find the Walmart credit card information you were searching for.

The first credit card on offer is the Walmart credit card and the second is the Wal-Mart Discover Credit Card. Both cards are very similar in the benefits you receive, but there are some differences worth mentioning.

The benefits common to both Walmart credit cards are listed below:

•  Accepted at Wal-Mart, SAM’S CLUB and Walmart.com.
•  Save 3¢ per gallon at participating Wal-Mart and SAM’s Club gas stations
•  No annual fee
•  $0 fraud liability
•  Special financing offers
•  Make in-store payments at any Wal-Mart or SAM’S CLUB register
•  Choice of payment due date
•  $20 cash at time of purchase
•  Additional cards for family members at no extra cost
•  Great rate for pre-paid AT&T long distance
•  Secure access to account information at http://www.walmartcreditcard.com

What are the differences between both cards?

The Wal-Mart Credit Card

This is a store branded credit card which can only be used within the Walmart group and at SAM’s Club. SAM’s Club is a membership club which offers services ranging from clothing to check printing to insurance plans. As a member you can shop online or visit a location near you.

A notable benefit of the Walmart credit card is the fact that you can save 3 cents for every gallon of gas purchased at Wal-Mart locations. This is an independent savings option that cannot be combined with any other SAM’s Club offer. This card would not be the most suitable if you are searching for savings on gas purchases, so you might want to check what other gas credit cards are available from other credit card providers.

The Wal-Mart Discover credit card

This card has some additional benefits that makes it superior to the Wal-Mart credit card. As an account holder you can earn up to 1% cash back on all your purchases and your card is accepted wherever you see the Discover® network sign.

The cash back rate on the Wal-Mart Discover card is standard, but there are other cash rebate credit cards that offer the same 1% rebate but come with additional benefits of up to 5% cash back on popular spending destinations such as gas stations, restaurants and clothing stores.

If you need to get the maximum cash or gas rebates then search and compare other credit card offers but if most of your shopping is done at Wal-Mart, then the Walmart credit card would suit you best.