Does Walmart accept American Express?

In addition to American Express, Walmart accepts cards from Visa, Mastercard and Discover.

You can also use a variety of other payment methods with the retailer.

Major credit cards accepted at Walmart

Our pick for use at Walmart

American Express Cash Magnet® Card

• Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership.
• Unlimited 1.5% cash back on your purchases.
• Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
• Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
• 0% introductory plan fee for plans set up during your first 15 months of card membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
• Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
• No annual fee.
• Terms apply.

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Compare these credit cards for Walmart purchases

With the Walmart Credit Card, you can get 5% cash back on purchases you make at Walmart.com — including Grocery Pickup. You’ll also get 2% back on Walmart purchases, restaurants and travel, and 1% on everything else you buy.

Sort by:

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Capital One® Quicksilver® Cash Rewards Credit Card		$150 cash back after spending $500 in the first 3 months	1.5% cash back on all purchases	$0		Earn unlimited 1.5% cash back on every purchase, every day.	See offer View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®		$150 after spending $500 in the first 3 months	1.5% cash back on all purchases	$0		Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.	See offer View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com		See terms	See terms	See terms		Can't decide on a card? Get personalized credit card offers with CardMatch™.	See offer View details	Compare	loading Fetching your data...
American Express Cash Magnet® Card		$150 after spending $1,000 in the first 3 months	1.5% cash back on all purchases	$0		Unlimited 1.5% cash back. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Capital One® QuicksilverOne® Cash Rewards Credit Card		N/A	1.5% cash back on all purchases	$39		Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.	See offer View details	Compare	loading Fetching your data...
Walmart Rewards Mastercard			5% back at Walmart.com, 5% in-store with Walmart Pay for the first 12 months (then 2%), 2% on restaurants and travel and 1% on all other purchases	$0		5% back at Walmart.com, 5% on in-store purchases made with Walmart Pay for the first 12 months after approval. After the introductory period, you’ll earn 2% back on in-store purchases.	View details	Compare	loading Fetching your data...
Citi® Double Cash Card		N/A	1% cash back when you make purchases and 1% cash back when you pay off your card	$0		Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases for double cash back. All information about this card has been collected independently by Finder.	View details	Compare	loading Fetching your data...

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Using your American Express card at Walmart

You can use your American Express card at Walmart and Walmart.com.

If you want elevated rewards from your Amex card, carefully check its bonus categories. Card providers use merchant category codes (MCCs) to determine whether purchases from certain retailers qualify for bonus rewards.

Your card may offer accelerated rewards on groceries. Unfortunately, you might not get this rewards rate when you use the card at standard Walmart stores. But you might get it if you use the card at Walmart Supercenters, which sell groceries.

If you’re not sure whether your card provider classifies Walmart purchases as bonus spending, give it a call and ask a representative.

Best credit cards to use at Walmart

Walmart offers its own credit card, which you can use for accelerated cash back on Walmart.com purchases. But there are other alternatives to consider, such as the excellent Citi® Double Cash Card or the Alliant Cashback Visa® Signature Credit Card.

Walmart Credit Card

The Walmart Credit Card could be a solid addition to your wallet if you often shop at Walmart.com. Plus, you earn cash back on restaurant and travel purchases outside of Walmart.

• No annual fee and no foreign transaction fees.
• Earn 5% cash back on purchases at Walmart.com; 2% back on Walmart purchases in-store, on restaurants and travel. Everything else you buy earns 1% cash back.
• Earn 5% back on Walmart purchases in-store when you use Walmart Pay during your first 12 months of card membership. After the intro period expires, your cashback rate reverts to 2%.

Citi® Double Cash Card

If you consistently pay off your purchases, the Citi® Double Cash Card is one of the best flat-rate cashback cards you’ll find. You’ll earn the same rewards rate on all purchases, including spending at Walmart.

• No annual fee.
• Earn 1% cash back on all purchases and another 1% as you pay for them.
• 0% intro APR on balance transfers for 18 months. After that, a 15.49% to 25.49% variable APR applies.

Alliant Cashback Visa® Signature Credit Card

Consider the Alliant Cashback Visa® Signature Credit Card if you spend big at Walmart. Though it has an annual fee starting the second year, you’ll earn a high cashback rate on all purchases.

• Annual fee waived for the first year and $99 thereafter.
• 3% cash back on all purchases for the first year; 2.5% cash back on all purchases afterward.

Payment options at Walmart

• Cash
• Debit cards
• Credit cards including the Walmart Credit Card and Walmart Mastercard
• Walmart gift cards and eGift cards; these aren’t accepted at Walmart Grocery locations
• Chase Pay and Walmart Pay
• At select Walmart Grocery locations, you can use EBT

Additional payment options at Walmart.com

• PayPal
• Pay with Cash; cash, check, Walmart gift card, money order, EBT and accepted credit and debit cards
• American Express Checkout

Bottom line

You can use your American Express card at Walmart and Walmart.com. If you want to earn elevated rewards on your purchases, consider checking with your card provider first.

Rewards credit cards can be particularly good choices at Walmart. Compare different cashback credit cards and you might find a product that works for you.

Frequently asked questions

• Can I apply for the Walmart Credit Card in a store?

  Yes. You can do so at a register. Bring your government-issued ID and a credit card.

• Does the Walmart credit card have a signup bonus?

  Yes. You earn 5% cash back when you use Walmart Pay in-store for your first 12 months of card membership. After that, your rate reverts to 2% cash back for in-store purchases.

• Why should I get a flat-rate cashback card?

  This type of card offers the same rewards rate on every purchase — meaning you don’t have to keep track of different reward tiers. If simple rewards structures appeal to you, a flat-rate card may be a good option.