You can use your American Express card at Walmart and Walmart.com.
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.
Our pick for use at Walmart
Major credit cards accepted at Walmart
| Credit card type | Accepted at Walmart |
|---|---|
| American Express | ✅ |
| Visa | ✅ |
| Mastercard | ✅ |
| Discover | ✅ |
Compare these credit cards for Walmart purchases
With the Walmart Credit Card, you can save 3% on purchases you make at Walmart.com — including Grocery Pickup. You’ll also save 2% on Walmart and Murphy USA fuel.
If you want a card you can use outside of the Walmart network, try a flat-rate cashback card. The Citi® Double Cash Card is a particularly good choice. It offers 1% cash back as you make purchases and another 1% as you pay for them.
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 normal 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 only within the store’s network of retailers. If you want a card you can use widely, consider the excellent Citi® Double Cash Card.
The Alliant Cashback Visa® Signature Credit Card is another option for flat-rate rewards. It has an annual fee starting the second year, so only get it if you spend heavily every year.
Walmart Credit Card
- No annual fee.
- Save 3% on purchases at Walmart.com; save 2% on Walmart and Murphy USA fuel; save 1% at other locations where your card is accepted.
- Get $25 as statement credit when you open the card and spend $75 on the same day.
Citi® Double Cash Card
- 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 15.74% to 25.74% variable APR applies.
Alliant Cashback Visa® Signature Credit Card
- Annual fee waived for the first year and $59 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.
