Walmart Rewards MasterCard.

Walmart RewardsTM MasterCard® Application

Use Walmart Rewards DollarsTM like cash* at Walmart stores.

No Annual Fee

1.25% at Walmart1

1% everywhere else

Start saving* with up to $25 in bonus Walmart Reward DollarsTM

Here’s what you need:

  • Only a few minutes of your time
  • Resident of Canada, outside of Quebec
  • Age of majority in your province
  • Annual household income of $12,000+

1 Important Information

Walmart Rewards Mastercard Disclosure Statement

WALMART REWARDS MASTERCARD DISCLOSURE STATEMENT

The following is a summary of certain provisions that will apply if you are approved for the Walmart Rewards MasterCard. The information below is effective March 1, 2017 (unless otherwise indicated). 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

19.89% is Our Preferred Rate.

21.49% is the Cash Interest Rate.

25.99% is the Standard Rate.

If you always pay at least the minimum payment shown on your statement on or before the payment due date, our Preferred Rate will apply to your account Balance (excluding Cash Advances, Balance Transfers and Convenience Cheques) and the Cash Interest Rate will apply to all Cash Advances, Balance Transfers and Convenience Cheques. If you do not pay the minimum payment by the payment due date for any 2 billing periods within any 12 month period, the Standard Rate will apply, beginning on the first day of the following billing period. If you then pay the minimum payment on time for 9 consecutive billing periods, Our Preferred Rate and the Cash Interest Rate will apply beginning on the first day of the following billing period.

Interest-free Grace Period

21 days

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. 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.

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

On each statement, your minimum payment will be the sum of:

  1. (i) any previous unpaid minimum payments;
  2. (ii) any charges for insurance or warranty products you have chosen to purchase from us;
  3. (iii) any amount by which the Balance exceeds your Credit Limit;
  4. (iv) any Over Credit Limit Fees;
  5. (v) any NSF Cheque Fees; and
  6. (vi) the greater of (a) $10.00; OR (b) 3% of the statement Balance,

however, if the statement Balance is less than $10.00, your minimum payment will be the full Balance.

Foreign Currency

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

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:

  • less than $1000 and within Canada - $4
  • equal to or greater than $1000 - $8
  • any transfer made outside of Canada - $8

Convenience Cheque:

  • less than $1000 and within Canada - $4
  • equal or greater than $1000 within Canada - $8
  • any cheque cashed outside of Canada - $8

Over Credit Limit (when your Balance exceeds your Credit Limit at the end of a billing period) - $25

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)

Rush Replacement Card Fee - $25

Credit Balance Inactivity Fee -
(12 months of inactivity with a credit Balance)
Lesser of $10 or the full credit Balance

Statement Frequency

We 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 Transactions

You will not be responsible for any unauthorized transactions that occur after you have informed us that your card or account information has been lost, stolen, misused or missing. Unless the MasterCard Zero Liability Policy (the “Policy”) applies, your maximum liability in the event that your card is lost or stolen and used in an authorized manner is $50.

You will not be liable for purchases to which the Policy applies. If your card is used at an automated banking machine (an “ABM”) in conjunction with your PIN, you may be responsible for the full amount charged to your account before we receive notice from you that your Card has been lost or stolen. Please see the “Lost or Stolen Cards and Unauthorized Transactions” of the Walmart Rewards MasterCard Cardholder Agreement (the “Agreement”) for more information.

Questions

If you have any questions about your account, you can call us toll-free at 1-888-331-6133, Monday-Saturday 8am-12am, Sunday 10am-9pm, Eastern Time.

March 1, 2017

Full Application Terms and Conditions

2 Complete Application

About You

This is being edited in Review & Submit

Your Name

Select one

Enter a first name

Optional

Enter a last name

Province

Select a valid Province

Date of Birth

Select one

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Your Address

Optional

Enter a street name or PO Box

Optional

Enter a valid postal code

Enter a city

Enter a valid Canadian Phone Number

Enter a valid phone number

Enter a valid phone number

Select one

Enter a number

This is being edited in Review & Submit

Your Employment Information

Select one

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Enter a description

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This is being edited in Review & Submit

Additional Cardholder

Would you like to request free additional cards for family members?
Additional cardholders receive a personalized card and earn Walmart Reward Dollars on your account.

Additional Cardholder Name

Select one

Enter a first name

Optional

Enter a last name

Date of Birth

Select one

Select one

Select one

Optional

Enter a street number

Enter a street name or PO Box

Optional

Enter a valid postal code

Enter a city

Select a valid province

Enter a valid Canadian Phone Number

Enter a valid phone number

Select one

This is being edited in Review & Submit

Additional Products for Your New Card

All products include a 30-day Risk-Free Period.
Should you cancel during this period you will receive a full refund and your coverage will be void.

Select which additional products you would like or opt out.

Balance Protection PlanΔ - Can pay your minimum monthly payment if you experience job loss, disability or hospitalization. It can also pay your full balance upon your death, critical or terminal illness.

Rate: $0.95* per $100 of monthly statement balance

Extended Warranty Plan - Can double the manufacturer’s warranty for all eligible products purchased with the Walmart RewardsTM MasterCard®.

Rate: $3.99* per month

I have read and acknowledge the terms and conditionsΔ, including that a pre-existing health condition may limit or exclude benefits under the Balance Protection Plan, and I understand that enrollment is not necessary to obtain credit.

Can pay your minimum monthly payment if you experience job loss, disability or hospitalization. It can also pay your full balance upon your death, critical or terminal illness.

Rate: $0.95* per $100 of monthly statement balance

I have read and acknowledge the terms and conditionsΔ, including that a pre-existing health condition may limit or exclude benefits under the Balance Protection Plan, and I understand that enrollment is not necessary to obtain credit.

Can double the manufacturer’s warranty for all eligible products purchased with the Walmart Rewards MasterCard.

Rate: $3.99* per month

View Optional Product(s) Information

3 Review & Submit

About You

Your Name

Select one

Enter a first name

Optional

Enter a last name

Date of Birth

Select one

Select one

Select one

Your Address

Optional

Enter a street number

Enter a valid street name/PO Box

Optional

Enter a valid postal code

Enter a city

Select a valid province

Enter a valid Canadian Phone Number

Enter a valid phone number

Optional

Enter a valid phone number

Select one

Enter a number

Date of Birth

Address

Home Phone

Cell Number Optional

Residence Status

Rent/Mortgage per month

Email Address

Your Employment Information

Select one

Select one

Select one

Select one

Employment Status

Employment Type

Employment Title

Current Employer Name Optional

Annual Household Income

Additional Cardholder

Would you like to request free additional cards for family members?
Additional cardholders receive a personalized card and earn Walmart Reward Dollars on your account.

You requested an additional card.

Additional Cardholder Information

Additional Cardholder Name

Select one

Enter a first name

Optional

Enter a last name

Date of Birth

Select one

Select one

Select one

Enter a street number

Enter a street name

Optional

Enter a valid postal code

Enter a city

Select one

Enter a valid phone number

Enter a valid phone number

Select one

Date of Birth

Address

Home Phone

Cell Number Optional

Family Relationship

Optional Products

All products include a 30-day Risk-Free Period.
Should you cancel during this period you will receive a full refund and your coverage will be void.

Select which additional products you would like or opt out.

Balance Protection PlanΔ - Can pay your minimum monthly payment if you experience job loss, disability or hospitalization. It can also pay your full balance upon your death, critical or terminal illness.

Rate: $0.95* per $100 of monthly statement balance

Extended Warranty Plan - Can double the manufacturer’s warranty for all eligible products purchased with the Walmart RewardsTM MasterCard®.

Rate: $3.99* per month

I have read and acknowledge the terms and conditionsΔ, including that a pre-existing health condition may limit or exclude benefits under the Balance Protection Plan, and I understand that enrollment is not necessary to obtain credit.

Can pay your minimum monthly payment if you experience job loss, disability or hospitalization. It can also pay your full balance upon your death, critical or terminal illness.

Rate: $0.95* per $100 of monthly statement balance

I have read and acknowledge the terms and conditionsΔ, including that a pre-existing health condition may limit or exclude benefits under the Balance Protection Plan, and I understand that enrollment is not necessary to obtain credit.

Can double the manufacturer’s warranty for all eligible products purchased with the Walmart Rewards MasterCard.

Rate: $3.99* per month

View Optional Product(s) Information

You requested to be enrolled in Protection Products (Balance Protection Plan and Extended Warranty Plan).

By clicking Next I certify this information is accurate and complete

4 Confirmation

Consent

Consent and disclosure agreements

By clicking I consent and accept this as written notice of the fact that Walmart Canada Bank will obtain information, including a credit report, about me from any credit bureau or reporting agency and other third parties as set out in the Privacy Disclosures. The consents set out in this Application shall be effective from the date of this Application and shall continue so long as I continue to have a relationship with Walmart Canada Bank.

Click the checkbox

Application complete!

, Thank you for your recent application for the Walmart Rewards Mastercard. We are currently in the process of reviewing your application. You will receive further information on the status of your application within the next 10 business days.

Thank you again for your interest in the Walmart Rewards Mastercard.

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