Wal-Mart is known for having its low everyday prices and for having locations around the country – and even around the world – but, did you know that Wal-Mart also has its own gas credit card? It seems like a logical move, considering Wal-Mart has been offering gas fill-ups for several years now. So, if you are looking for a great gas credit card, you might want to take a look at Wal-Mart has to offer in order to determine if this card is right for you.

The Wal-Mart Store Card

Wal-Mart actually has two different gas credit cards to select from. One of these cards is the store credit card. These cards can only be used to make purchases at Wal-Mart, Sam’s Club, the online Wal-Mart store, and AOL. Therefore, if you are looking for an all-around gas credit card that can be used anywhere you like, this isn’t the card for you. At the same time, this gas credit card does have a great deal to offer.

One of the best benefits associated with carrying the Wal-Mart store gas credit card is the fact that you receive 3 cents off per gallon of gasoline that you purchase at a Wal-Mart store. This 3 cent discount cannot be applied on top of your SAM’S Cub member discount if you are a member of this discount store.

If you are accepted for this gas credit card, you can start using it right away. In fact, you can apply for it in the store and you will be given a temporary Shopping Press that will allow you to make purchases until the actual gas credit card arrives. 

There are several additional special benefits associated with the Wal-Mart gas credit card. For example, there is no annual fee associated with this card and you get to choose the payment due date that works best for you. You also become eligible for special financing offers once you receive this gas credit card and you qualify for $0 fraud liability. 

Making payments with this gas credit card is also simple. Rather than having to go online or having to mail in payments, you can simply make payments on your card at the store. You can also make up to $100 in cash advances with the card each time you shop and you can request additional cards for free for your family members. 

In addition to saving money on gas, the Wal-Mart credit card also helps you save on long distance phone calls. This is because you receive a special reduced rate when you purchase pre-paid AT&T long distance with your card.

If you want a little more flexibility regarding where you can use your gas credit card, you might prefer the Discover Wal-Mart card. With this gas credit card, you receive all of the same benefits as with the store credit card. In addition, you receive up to 1% cash back on all of the purchases you make with the card, whether you make them at Wal-Mart or somewhere else.

The percentage of the reward you receive when you use the Wal-Mart Discover gas credit card depends upon how much you spend. For purchases of up to $1,500, you receive a .25% cash rebate. For purchases ranging from $1,500.01 to $3,000, you receive a .50% cash return while purchases over $3,000 earn a 1% cash return.

The Wal-Mart gas credit cards are not necessarily the best on the market. If you prefer purchasing your gas from Wal-Mart, however, and you wish to take advantage of the cash advance option, one of these cards might be a good choice for you.