MyWalgreens Credit Card Application: Everything You Need To Know

Thinking about earning rewards while shopping for your daily essentials? Then you’ve probably come across the myWalgreens credit card application. This card promises exclusive perks, cashback, and more for Walgreens shoppers—but is it really worth applying for? In this post, we’ll explore everything from eligibility to user experiences and how to get approved easily. Stick around if you’re considering adding this card to your wallet.

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Table of Contents

What Is The MyWalgreens Credit Card?

Issued by Synchrony Bank, the myWalgreens credit card is a store-branded credit card that rewards loyal Walgreens customers with cashback and exclusive benefits. It comes in two versions: the myWalgreens Credit Card (usable only at Walgreens and Duane Reade locations) and the myWalgreens Mastercard (usable anywhere Mastercard is accepted).

Key Features Of The MyWalgreens Credit Card

Before applying, it helps to understand what the card offers:

10% cashback on Walgreens-branded products
5% cashback on all other Walgreens purchases
3% on groceries and health-related purchases (Mastercard version)
1% everywhere else (Mastercard version only)

Who Can Apply For The MyWalgreens Credit Card?

The card is targeted at U.S. residents with fair to good credit (around 640 or higher). You must also be 18 years or older and have a valid Social Security number. Synchrony Bank may also consider your income, employment status, and existing debts.

Tips To Improve Your Approval Odds

To boost your chances:

Check your credit score before applying
Avoid multiple recent credit inquiries
Ensure your income-to-debt ratio is reasonable

How To Apply For The MyWalgreens Credit Card

The myWalgreens credit card application can be completed online in just a few minutes. Alternatively, you can apply in-store at a Walgreens location.

Step-By-Step Online Application Process

Visit the Walgreens website
Go to the myWalgreens credit card section
Click on “Apply Now”
Enter your personal information
Submit your application and wait for a decision

Most applicants receive an instant response.

MyWalgreens Credit Card Application Approval Time

Generally, you’ll know whether you’re approved within minutes. However, if your application requires further review, it may take 7–10 business days. You’ll receive a letter or email explaining the decision and next steps.

What To Do If You’re Not Instantly Approved

If your application is under review:

Wait for the official letter or email
Consider contacting Synchrony Bank for clarification
Use the waiting period to double-check your credit report

Where People Are Talking About The MyWalgreens Credit Card Application

People have been sharing their experiences about the myWalgreens credit card application on platforms like Reddit, Trustpilot, and WalletHub. Let’s dive into what they’re saying.

On Reddit, many users praise the quick approval time. One user mentioned getting approved within seconds with a credit score of 680. Others noted that Synchrony Bank is relatively lenient but cautioned against applying if your credit is below 600. Users also appreciated the Walgreens-specific cashback perks.

Trustpilot

Trustpilot reviews are mixed. Some users celebrate the convenience of earning cashback on essentials, while others complain about unexpected denials and low credit limits. A few reviews mention difficulty reaching customer service, but overall, users say the card delivers what it promises for regular Walgreens shoppers.

WalletHub

WalletHub users generally find the application process easy and smooth. Positive feedback includes fast decisions and clear terms. However, there are concerns about high interest rates for those who carry balances. Still, many users recommend the card for people who shop at Walgreens frequently and can pay off their balance monthly.

Benefits Of The MyWalgreens Credit Card

The card is packed with benefits designed for everyday Walgreens customers.

Cashback On Health And Wellness

The card gives you 5% back on Walgreens purchases and 10% back on Walgreens-branded products, which adds up quickly if you regularly shop there.

Broader Earning Potential With The Mastercard Version

If approved for the Mastercard version, you’ll earn cashback at grocery stores and on health-related purchases outside Walgreens, which makes it more versatile than the store-only card.

No Annual Fee

There’s no annual fee, so you can earn rewards without worrying about paying to keep the card.

Potential Drawbacks To Consider

While the card has some solid perks, there are a few cons.

High Interest Rates

Like most store cards, this one carries a relatively high APR. If you don’t pay off your balance in full each month, the interest could outweigh your rewards.

Limited Acceptance For Store-Only Version

The non-Mastercard version can only be used at Walgreens and Duane Reade stores, limiting its usefulness outside those locations.

What Happens After You’re Approved

Once you’re approved, your card will be mailed to you within 7–10 business days. You can start using it online or in-store as soon as you receive it.

How To Activate Your MyWalgreens Credit Card

Activation is simple:

Call the toll-free activation number on your card
Or, go online to the Walgreens activation portal
Follow the instructions and set up your account

Can You Use The Card For Gift Cards And Prescriptions?

Many users wonder whether you can earn rewards when purchasing gift cards or prescriptions with the myWalgreens credit card. Unfortunately, most gift card purchases are excluded from earning cashback. Similarly, prescription purchases may not qualify unless paid out-of-pocket and not reimbursed by insurance.

How To Manage Your MyWalgreens Credit Card Account

You can manage your account through the Synchrony Bank online portal or app. From there, you can:

Make payments
View transactions
Check your balance
Set up alerts

Is The MyWalgreens Credit Card Worth It?

For frequent Walgreens shoppers, especially those who prefer Walgreens-brand products, this card can provide great value. If you can qualify for the Mastercard version and avoid carrying a balance, it becomes even more useful.

Who Should Consider It

Regular Walgreens shoppers
People with fair to good credit
Anyone looking to earn cashback on health-related spending

Who Should Skip It

People with poor credit
Those who carry monthly balances
Shoppers looking for more versatile cards

FAQs About MyWalgreens Credit Card Application

What Credit Score Is Needed For MyWalgreens Credit Card?

You’ll typically need a credit score of at least 640 to qualify, though higher scores increase approval chances.

Can I Apply For The MyWalgreens Credit Card In Store?

Yes, you can apply in-store at any Walgreens location, but online applications are generally faster and more convenient.

Does The Card Have An Annual Fee?

No, there’s no annual fee for either the store-only or Mastercard version.

Can I Use The Card Immediately After Approval?

You’ll need to wait for the physical card to arrive before using it, usually within 7–10 business days.

Does It Offer A Signup Bonus?

As of now, there is no signup bonus, but ongoing cashback rewards can be valuable.

Is The Application Process Safe?

Yes, the online application uses encryption and secure servers to protect your personal information.

How Long Does Approval Take?

Most people get an instant decision, but some may wait up to 10 business days if more review is needed.

Can I Check My Application Status?

Yes, you can call Synchrony Bank to check your application status or look for an email update.

Will Applying Hurt My Credit Score?

A hard credit inquiry will be performed, which may cause a small, temporary dip in your score.

Can I Add An Authorized User?

Yes, you can add an authorized user by contacting customer service once your account is set up.

Is There A Foreign Transaction Fee?

Yes, the Mastercard version has a small foreign transaction fee, so it’s not ideal for travel.

Can I Pay Bills With This Card?

You can use the Mastercard version to pay bills, but be cautious of cash advance or convenience check fees.

What Happens If I’m Denied?

You’ll receive a letter explaining why. You can then take steps to improve your credit and try again later.

Are There Any Hidden Fees?

There are no hidden fees, but late payment and returned payment fees do apply.

Can I Set Up AutoPay?

Yes, you can set up automatic payments through the Synchrony Bank portal to avoid missed payments.

Can I Earn Rewards On Every Purchase?

Only the Mastercard version earns cashback outside Walgreens. The store-only version is limited to Walgreens and Duane Reade.

Do My Rewards Expire?

Yes, rewards expire 12 months after they are earned if not redeemed.

Can I Combine My Card With Coupons?

Absolutely. You can stack your myWalgreens rewards with manufacturer and store coupons for more savings.

Can I Redeem My Rewards Online?

Yes, rewards can be used both in-store and online at Walgreens.com during checkout.

Can I Upgrade From Store Card To Mastercard?

You may be eligible for an upgrade after a period of good payment history. Contact Synchrony Bank to inquire.

What Credit Bureau Does Synchrony Use?

Synchrony typically pulls from TransUnion, but this can vary depending on your location.

Can I Use The Card At Duane Reade?

Yes, the store card works at Walgreens and Duane Reade locations.

Will I Get A Paper Statement?

By default, yes, but you can opt for paperless billing through your online account.

Can I Cancel My Card Anytime?

Yes, you can cancel by calling customer service, but consider the impact on your credit utilization.

What Happens To My Rewards If I Close My Account?

Any unused rewards will be forfeited once the account is closed.

Is There A Mobile App To Manage The Card?

Yes, you can manage your card through the Synchrony Bank mobile app or the Walgreens app.

Can I Increase My Credit Limit?

Yes, credit limit increases are available. Log in to your account to request one or call customer service.

Will My Limit Increase Automatically?

Sometimes. Synchrony may offer periodic automatic credit limit increases based on your account history.

Can I Change My Payment Due Date?

Yes, you can select a due date that works best for you through the Synchrony account portal.

Can I Use This Card With Apple Pay Or Google Pay?

Yes, the Mastercard version is compatible with digital wallets like Apple Pay and Google Pay.

Can I Earn Rewards On Pharmacy Purchases?

Only if your prescriptions are paid out-of-pocket and not covered by insurance.

Conclusion

Applying for the myWalgreens credit card can be a great move if you frequently shop at Walgreens and want to earn rewards on essentials. The process is straightforward, approval is typically quick, and the benefits are clear—especially with the Mastercard version. Just remember to use it wisely to avoid high-interest charges. If it fits your lifestyle, the myWalgreens credit card application might just be worth it.