A native app for the Walmart Rewards Mastercard.

The Walmart Rewards Mastercard has no dedicated app - cardholders are missing the basics: push notifications, biometric login, instalment tracking, and a real way to dispute a charge online. This project designs that native app, built around a smarter home screen and streamlined day-to-day flows.

Walmart Credit Card and Mastercard holders · Weekly in-store and Walmart.com shoppers · People who carry a balance and watch due dates · Rewards earners who never get around to redeeming what they have.

There was no app to review, so research started with real complaints across forums and customer service threads. Two root issues kept repeating: the friction of logging into a mobile browser, and how little account data is actually visible once inside.

With no official app to audit, desk research examined public sentiment across user forums, app reviews, and community threads. Each issue was weighed by its operational friction and frequency to determine release priority.

We spoke to Walmart Credit Card holders in two settings: remote sessions with people who use the card weekly, and short intercepts outside a Walmart store, catching shoppers right after they'd paid.

Questions asked: How do you check your balance? How do you pay each month? How do you review older transactions? Have you seen unrecognized charges? Can you find your rewards balance? What do you want on the home screen?

What we heard: most people couldn't recall their rewards balance. Everyone started at a browser, and most had the login saved in a password manager. Due dates were tracked outside the product entirely - calendar reminders, or the paper statement. Older transactions felt unavailable, not just hard to find.

Maliyat shops at Walmart most weeks, pays her card from her phone, and earns rewards she rarely gets around to spending. Every design decision was checked against whether it made her weekly check-in faster.

With a long list of possible features, we used the MoSCoW method to separate what the app must have from what it could wait for. Everything in Won't Have is a deliberate no for this phase, not an oversight.

Six apps benchmarked across retail cards and full banking suites - Capital One, PC Financial, Neo Financial, CIBC, Scotiabank, and Rogers Bank - each reviewed for what works, what doesn't, and what it means for a Walmart-specific card experience.

Onboarding runs once and branches on a single question; everything after it is built for a returning user who wants the balance and nothing else. Each of the four core tasks lands on an explicit confirmation - the moment a payment or dispute leaves your hands is the moment people most want to be told what happened.

The question at this stage was only hierarchy: what sits above the fold, how far the balance is from the pay button, and how many taps stand between a transaction and a dispute. Eight screens: Splash, Active Card, Home, Transactions, Transaction Details, Chat, Rewards, More.

Color choices follow strict financial readability rules: True Blue commands primary navigation and affirmative actions, Spark Yellow highlights rewards and balance achievements, and Bentonville Blue anchors structure and high-contrast numerical typography.

The visual language stays close to Walmart's own - blue for structure and action, yellow reserved for rewards and moments of attention, and clean white space so the balance is never competing with anything.