Credit Card Details

Below is the Walmart Rewards™ Mastercard® Disclosure Statement. The information is current as of the date of your application. Subject to change.

Initial Credit Limit	Your initial Credit Limit is specified in your Welcome Kit, which is the package that includes your first Card. Your current Credit Limit will be shown on each statement of account.
Annual Interest Rates	Effective prior to October 19, 2023 Residents Outside Quebec: Preferred Rate Card 19.89%* is the Interest Rate. 22.97%* is the Cash Interest Rate. For Quebec Residents: Preferred Rate Card 19.89%* is the Interest Rate. 21.97%* is the Cash Interest Rate.	Effective October 19, 2023 Residents Outside Quebec: Preferred Rate Card 20.89%* is the Interest Rate. 22.97%* is the Cash Interest Rate. For Quebec Residents: Preferred Rate Card 20.89%* is the Interest Rate. 21.97%* is the Cash Interest Rate.
	Standard Rate Card‡25.99%* is the Interest Rate. 27.99%* is the Cash Interest Rate. You are applying for our Preferred Rate Card. If you are not approved for the Preferred Rate Card, you acknowledge that you are also applying for the Standard Rate Card and you consent to having your application considered for both Cards. ‡ The Standard Rate Card is currently not available to Quebec residents and applications will only be processed in relation to the Preferred Rate Card for Quebec residents.	Standard Rate Card‡ 26.99%* is the Interest Rate. 27.99%* is the Cash Interest Rate. You are applying for our Preferred Rate Card. If you are not approved for the Preferred Rate Card, you acknowledge that you are also applying for the Standard Rate Card and you consent to having your application considered for both Cards. ‡ The Standard Rate Card is currently not available to Quebec residents and applications will only be processed in relation to the Preferred Rate Card for Quebec residents.
	If you always pay at least the minimum payment shown on your statement on or before the payment due date, the relevant Interest Rate for your approved Card will apply to your account Balance (excluding Cash Advances, Balance Transfers and Convenience Cheques) and the relevant Cash Interest Rate for your approved Card will apply to all Cash Advances, Balance Transfers and Convenience Cheques.
	Effective prior to October 19, 2023If you do not pay the minimum payment by the payment due date for any 2 billing periods within any 12-month period, we may increase the Interest Rate and Cash Interest Rate on your Preferred Rate Card to an Adjusted Rate of 25.99%* , or on your Standard Rate Card to an Adjusted Rate of 29.89%*, beginning on the first day of the following billing period.	Effective October 19, 2023If you do not pay the minimum payment by the payment due date for any 2 billing periods within any 12-month period, we may increase the Interest Rate and Cash Interest Rate on your Preferred Rate Card to an Adjusted Rate of 26.99%* , or on your Standard Rate Card to an Adjusted Rate of 29.89%*, beginning on the first day of the following billing period.
	If you then pay the minimum payment on time for 12 consecutive billing periods, the Interest Rate and Cash Interest Rate will revert back to the original Interest Rate and Cash Interest Rate relevant for your approved Card, beginning on the first day of the following billing period.In addition to the above scenario, we may with prior notice, increase or decrease at our sole discretion the Interest Rate and/or Cash Interest Rate applicable to your account following a review of any combination of, but not limited to:• Your account behavior (including missed or late payment(s), credit limit and cash advance utilization); and• Your credit bureau reports and credit history (including changes in your credit, delinquencies, civil judgements, collections or foreclosure).
Interest-free Grace Period	The payment due date shown on your monthly statement will be at least 21 days after the last day of the statement period shown on your monthly statement. This period of time is referred to as an interest-free grace period if you pay your new Balance in full. There is no interest-free grace period for Cash Advances, Cash-Like Transactions, Balance Transfers, and Transactions using Convenience Cheques or any fees associated with such transactions. If you do not pay your total new Balance in full by the payment due date on your current statement, your grace period will increase to at least 25 days on your next monthly statement. Your grace period will return to at least 21 days if you pay your Balance due in full by the next payment due date.
Determination of Interest	When interest is charged, it is calculated using your average daily balance and charged to your account on the last day of each billing period.
Minimum Payment	If you reside outside the Province of Quebec, your Minimum Payment is the sum of: Any previous unpaid Minimum Payment, plus interest and fees shown on your statement + $10.00. If you reside in the Province of Quebec, your Minimum Payment is the sum of: Any previous unpaid Minimum Payment, plus the greater of: interest and fees shown on your statement + $10.00. OR 5% of your statement Balance In either case if your Balance is under $10.00, your Minimum Payment is the full Balance.
Foreign Currency Conversion	2.5%For foreign currency transactions, the foreign currency conversion markup percentage charged is 2.5% of the amount of the charge or credit transaction as converted first into U.S. Dollars and then into Canadian Dollars at the exchange rates charged to us by Mastercard International on the date we post the transaction to your account.
Annual Fees	None
Other Fees (Not applicable for residents of Quebec)	Charged on the day the transaction or event occurs, unless otherwise specified: Cash Advance at a bank machine or teller in Canada: $4. Cash-like Transactions: $4 Balance Transfers or Convenience Cheques: less than $1000 and within Canada : $4 equal to or greater than $1000 : $8 any transfer made or cheques cashed outside of Canada : $8. Dishonoured Payment / NSF : $20 (each time a payment you make is dishonoured) Convenience Cheque or Balance Transfer NSF : $20 (each time a Convenience Cheque or Balance Transfer is not accepted due to insufficient available credit or available cash) Credit Balance Inactivity Fee - (12 months of inactivity with a credit Balance) : Lesser of $10 or the full credit Balance Over Credit Limit (charged on the day your Balance first exceeds your Credit Limit and then once per statement period on the first day of each subsequent period if your balance remains over the limit): $29Copy of previous account statement : $5

* For Quebec Residents, the expressions Interest Rate, Cash Interest Rate and Adjusted Rate are Credit Rates within the meaning of the Quebec Consumer Protection Act. Statement FrequencyWe will provide a monthly statement for your account if you have a balance owing, a credit balance or if there has been any activity on your account during the previous billing period. Lost or Stolen Cards and Unauthorized TransactionsYou will not be responsible for any unauthorized transactions that occur after you have informed us that your card, account information, or related personal authentication information (including your PIN) has been lost, stolen, misused or missing. Unless the Mastercard Zero Liability Policy (the “Policy”) applies, your maximum liability for the unauthorized use of your card, account information, or related personal authentication information is $50, unless a cardholder has demonstrated gross negligence or, in Quebec, gross fault, in safeguarding their card or such information.You will not be liable for purchases to which the Policy applies. Please see the “Lost or Stolen Cards and Unauthorized Transactions” section of the Walmart Rewards Mastercard Cardholder Agreement (the “Agreement”) for more information.QuestionsIf you have any questions about your account, you can call us toll-free at 1-888-331-6133.