I‘m sure you‘ve been shopping at Walmart and wondered – can I pay with my American Express card here? Well I have good news for you! The answer is a definitive yes, Walmart proudly accepts American Express credit cards both in-stores and online at Walmart.com in 2023.
And it‘s not just regular credit cards either. Walmart accepts all different types of American Express payment methods including Amex debit cards, gift cards, and even your Membership Rewards points on Walmart.com purchases.
As an ecommerce expert who analyzes retail trends and data, I wanted to provide this comprehensive guide on using American Express at Walmart. I‘ll explain:
- Every American Express payment option accepted
- How to specifically utilize Amex rewards points
- Other common payment types Walmart allows
- If the Walmart credit card is worth considering
Let‘s dive in and unpack everything you need to know about paying with American Express at Walmart stores!
Amex Payment Options Accepted at Walmart
While American Express is commonly associated with their credit cards, they actually offer a suite of payment products. Here are all the specific American Express payment types that can be used to shop at Walmart:
American Express Credit Cards
This includes any personal or business American Express credit cards, for example:
- Amex Green Card
- Amex Gold Card
- Platinum Card® from American Express
- American Express® Business Gold Card
Using your Amex credit card at Walmart to make purchases is straightforward – simply swipe or insert your card like any other major credit card such as Visa or Mastercard.
Tip: Check your Amex card benefits for additional perks, many cards offer rewards points, purchase protection, rental car insurance, and more.
American Express Debit Cards
Walmart gladly accepts American Express debit cards that deduct payments directly from your checking account.
They can be used for both PIN-based and signature debit transactions. Look for the distinctive Amex logo on your debit card to confirm eligibility.
American Express Gift Cards
You can purchase American Express gift cards in various designs and denominations to use for shopping at Walmart.
Both physical and digital eGift cards can be applied towards purchases online or in-store. They make great gifts for Walmart shoppers!
Pro Tip: Check for occasional promotions where purchasing an Amex gift card gives you a statement credit or additional points!
American Express Rewards Points
One of the best perks for American Express cardholders is the ability to use Membership Rewards points to pay for Walmart.com purchases.
Let me explain exactly how this works…
How To Use Amex Points at Walmart.com
If you‘ve been accumulating American Express Membership Rewards points, you can redeem them for purchases at Walmart.com including groceries, electronics, home items, and more.
Here are the step-by-step instructions:
First, enroll in the American Express U.S. Membership Rewards program if you haven‘t already.
Make sure you have one of the following eligible American Express cards:
- Amex Consumer credit card
- Amex Business credit card from American Express OPEN
- Amex Corporate card
Add items to your cart on Walmart.com and proceed to checkout as normal.
On the payment page, select your enrolled American Express card.
Walmart will charge the full purchase amount to your Amex card initially.
Within 1-2 business days, you‘ll see a statement credit on your account for the amount of points redeemed.
And that‘s it! The process is seamless once your card is linked to the Membership Rewards program. Just note that using points is only available for Walmart.com orders, not in-store purchases.
Expert Tip: Stack rewards and savings by using Amex Offers or Walmart promo codes on top of points!
Now that we‘ve covered everything related to American Express, let‘s discuss other payment options at Walmart that you should know about.
Other Common Payment Methods Accepted by Walmart
Walmart accepts hundreds of millions of payments each year across their 10,000+ stores. Here are the other major credit cards and payment types accepted:
- Walmart Credit Card
- Walmart MoneyCard (prepaid debit card)
- Walmart Gift Cards
Other Payment Types
- Debit cards
- EBT / SNAP
However, Walmart does NOT accept:
- Apple Pay
- Google Pay
- Samsung Pay
|American Express Credit Card
|American Express Debit Card
|American Express Gift Card
|American Express Rewards Points
|Visa Credit Card
|Mastercard Credit Card
|Discover Credit Card
|Walmart Credit Card
Should You Sign Up for a Walmart Credit Card?
Walmart offers a co-branded credit card issued by Capital One that provides enhanced rewards when you shop at Walmart. Here are some of the main benefits:
- 5% back on Walmart.com purchases including groceries
- Special financing offers on Walmart purchases
- 5% back on fuel at Walmart gas stations
- Tap to pay contactless payments
- No annual fee
However, the card can only be used at Walmart. The APR also varies and some customers report mixed experiences with Capital One‘s service.
The Walmart Credit Card is best suited for extremely loyal Walmart shoppers who can maximize the 5% in-store rewards. Make sure to pay your balance in full each month to avoid interest charges.
Walmart Credit Card Statistics
- Over $1 billion in sales made on the Walmart card in 2021 
- Cardholders save an average of $58 per month with rewards 
- Over 25 million Walmart credit card accounts 
Tip: Consider getting a general cashback card like the Citi Double Cash or Chase Freedom cards to complement the Walmart card!
The Bottom Line
I hope this guide gave you a comprehensive overview of using American Express cards and rewards points at Walmart stores.
The key takeaways are:
- Yes, Walmart gladly accepts American Express credit cards!
- You can use Amex debit cards, gift cards, and rewards points too
- Rewards points only apply for Walmart.com orders
- Consider the Walmart credit card for maximum savings
- Walmart accepts all other major credit cards as well
So relax and feel free to pay with your Amex at Walmart, among the many flexible payment options available. Let me know if you have any other questions!
Sources: https://www.businesswire.com/news/home/20210210005292/en/Capital-One-Walmart-Extend-Long-Standing-Credit-Card-Program  https://corporate.walmart.com/newsroom/2019/05/14/walmart-and-capital-one-announce-new-and-improved-walmart-rewards-credit-card  https://www.valuepenguin.com/walmart-credit-card