The Walgreens credit card is designed for shoppers who frequently visit Walgreens or Duane Reade and want to maximize rewards.
The program currently offers two versions: the myWalgreens Credit Card (store card) and the myWalgreens Mastercard.
This guide walks you through how the card works, current interest and fees, how to apply online, and what to expect.
Understanding the Walgreens Credit Card Program
The credit card program was introduced in 2021 to reward cardholders for everyday health and wellness spending.
The myWalgreens Credit Card can be used exclusively at Walgreens, Duane Reade, and Walgreens.com
The myWalgreens Mastercard can be used anywhere Mastercard is accepted.
Both cards are linked to your myWalgreens rewards account, which means you must be enrolled in the loyalty program to earn Walgreens Cash.
| Feature / Attribute | myWalgreens Credit Card (store card) | myWalgreens Mastercard (co-branded) |
|---|---|---|
| Where it can be used | Only at Walgreens, Duane Reade stores and Walgreens.com / mobile app | Everywhere Mastercard is accepted, including Walgreens stores + other retailers, services, etc. |
| Rewards on Walgreens-brand products (in-store / online) | 10% Walgreens Cash | 10% Walgreens Cash — same as store card |
| Rewards on other Walgreens purchases (non-brand, pharmacy, etc.) | 5% Walgreens Cash | 5% Walgreens Cash — same rate for non-brand/pharmacy at Walgreens |
| Rewards outside Walgreens (groceries, health & wellness merchants, general spending) | Not applicable — card usable only at Walgreens / Duane Reade / Walgreens.com | • 3% Walgreens Cash on grocery and health/wellness merchant purchases outside Walgreens • 1% Walgreens Cash on all other purchases everywhere Mastercard accepted |
| Annual fee | $0 | $0 |
| Bonus / Sign-up reward (first purchase) | Often a small Walgreens Cash bonus when first purchase is made within a set time after approval (varies by offer) | Similar Walgreens Cash bonus (when first purchase is made within the offer window) |
| Best suited for | People who shop almost exclusively at Walgreens or Duane Reade, want simple rewards & don’t need a widely usable credit card | Shoppers who want a general-purpose card with added Walgreens rewards — useful for broader spending (groceries, wellness, everyday purchases) plus Walgreens perks |
| Limitations | Cannot be used outside Walgreens/Duane Reade/online Walgreens; rewards only redeemable at Walgreens/Duane Reade | Rewards earn is broader, but “Walgreens Cash” rewards still redeemable only at Walgreens / Duane Reade / Walgreens.com; may get lower return on general spending compared to dedicated cash-back cards |
Cardholders receive higher rewards on Walgreens-branded items and eligible Walgreens purchases.
If you shop mostly at Walgreens and want simple, strong rewards, the myWalgreens Credit Card (store card) can make sense.
If you want flexibility, the myWalgreens Mastercard is more versatile.
Current Interest Rates and Fees
Pay off the Walgreens credit card correctly to avoid these fees..
- Purchase APR: 33.49% variable
- Penalty APR: 39.99% (may apply after late payments and can remain indefinitely)
- Minimum interest charge: $2
- Late payment fee: Up to $40
- Returned payment fee: Up to $41
The store card version does not offer cash advances and therefore has no cash advance APR or fee.
Always review the updated Rates and Fees document before applying, as Synchrony periodically adjusts these figures.
How to Apply for the Walgreens Credit Card Online
You can apply for the Walgreens credit card online through the myWalgreens Credit Cards page.
The application redirects to Synchrony Bank’s secure portal. To start, you will be asked to sign in or create a myWalgreens account.
You will need to enter your full name, contact details, Social Security number, total annual income, housing status, and monthly payment.
Synchrony Bank conducts a credit check to determine eligibility and whether you qualify for the store card or the Mastercard version.
Eligibility and Credit Considerations
Synchrony Bank evaluates applicants based on credit history, payment patterns, income, ability to pay, and existing credit utilization.
Stronger credit profiles are more likely to be approved for the Mastercard, while others may receive only the store card.
If you are rebuilding credit, ensure your credit report is accurate and free of errors before applying.
You can check a Walgreens credit card pre-approval on the website.
Online Application Tips to Improve Approval Chances
Prepare your financial details. Have your income and monthly expenses ready to enter accurately.
Ensure the name, address, email, and phone number in your myWalgreens account match your application.
Apply from a secure connection. Use your personal device and a trusted internet connection to avoid verification issues.
Monitor for fraud alerts. After applying, set up Synchrony alerts to track account activity.
What Happens After You Submit Your Application
You may receive immediate approval, immediate denial or pending review, requiring additional verification
If approved, you will be notified whether you received the myWalgreens Credit Card or the myWalgreens Mastercard, along with your credit limit.
Your physical card will arrive by mail, and digital access may become available sooner for Walgreens online purchases.
If denied, Synchrony Bank will send an adverse action letter outlining the reasons, such as limited credit history or high debt levels.
Customer Service, Bank Phone Numbers, and Mailing Addresses
Because Synchrony Bank issues and services the Walgreens credit cards, all account inquiries should be directed to them—not to Walgreens stores.
Synchrony Bank Office Address
Synchrony Bank
170 Election Road, Suite 125
Draper, UT 84020
Customer Service Phone Numbers
myWalgreens Credit Card: 1-855-945-3562
myWalgreens Mastercard: 1-855-945-3593
Payment Mailing Address (Overnight)
Synchrony/Walgreens
400 White Clay Center Drive
Newark, DE 19711
For the fastest help, always check the phone number printed on the back of your card once it arrives.
Conclusion: Is the Walgreens credit card worth it?
The Walgreens credit card is a strong option if you frequently shop there and want to earn elevated rewards on health, wellness, and pharmacy purchases.
With no annual fee and linked Walgreens Cash rewards, it offers a practical boost for regular shoppers.
However, the high APR means it is most beneficial for those who pay their balances in full each month.
Disclaimer: This article is for informational and educational purposes only. All details such as interest rates, fees, phone numbers, and addresses may change without notice. Always verify the latest information directly with Walgreens and Synchrony Bank before applying.
