Does Walmart Accept American Express? [Answered]

Happiness isn’t in the money; it’s in shopping at Walmart. A Walmart shopper said so, and it’s true. Walmart is a one-stop shop where you can find everything from paper to large furniture for your home.

Most Walmart shoppers own an American Express card – be it local or overseas. Those shoppers often come up with a question: Does Walmart accept American Express?

To sum up, for those buyers, yes, Walmart accepts American Express. In fact, both online and brick-and-mortar stores of Walmart accept American Express. As of 2024, it’s a valid payment method for shopping at Walmart stores.

If you want to learn more about this, you are in the right place. This article will tell you, does Walmart take American Express or not. Also, you’ll get to know about a few other payment options to complete your Walmart transactions. Keep reading.

Does Walmart Accept American Express?

As we mentioned, yes, Walmart accepts American Express in brick-and-mortar stores and You can walk into whatever Walmart store and pay for your purchased products with an American Express card.

Does Walmart Accept American Express?

American Express cards are also named Amex cards. So, does Walmart take Amex? Yes, Walmart accepts all forms of Amex cards, including debit cards, credit cards, and gift cards.

No matter how big or small the store is, there shouldn’t be any problem paying with an American Express card. So, don’t fret. The cherry on top, Walmart won’t charge you reload fees when you use American Express on Walmart.

You can spend all the money lying on your American Express card. In return, you can earn credits on American Express gift cards for every Walmart purchase. The credits may be slight, but it’s worth it for those who shop a lot at Walmart.

Walmart also offers reward points on every dollar you spend at Walmart. All these options give American Express card users flexibility at the Walmart checkout counter.

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What Are the Different American Express Cards Accepted at Walmart?

Below are different American Express cards that you can use at Walmart.

  1. American Express Platinum Card
    • Annual Fee: $695
    • Earn up to 125,000 membership reward points 
    • Earn statement credit which covers the total cost of a monthly Walmart + membership
  1. American Express Gold Card
    • Annual Fee: $250
    • Earn up to 75,000 membership reward points
    • 4x points at U.S. supermarkets on up to $25K in purchases
  1. Amex EveryDay® Credit Card
    • No annual fee
    • Earn up to 10,000 membership reward points
    • 2X points at U.S. supermarkets, on up to $6K per year in purchases
  1. Amex EveryDay® Preferred Credit Card
    • Annual Fee: $95
    • Earn up to 15,000 membership reward points
    • 3X the points for purchases made directly at U.S. supermarkets on up to $6,000 per year in purchases
  1. American Express® Green Card
    • Annual Fee: $150
    • Earn up to 45,000 membership reward points

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Products You Can Purchase with an American Express card at Walmart:

The products that Walmart has cannot be included in one article. From freshly produced goods to electronic items – what’s not at Walmart? Having an American Express card is like icing on the cake.

You can purchase anything and pay with your American Express card. It’s so simple as that. However, you can purchase the following goods from Walmart using your American Express card.

Everyday Essentials

  • Grocery items
  • Fresh produce
  • Fresh vegetables and fruits
  • Bakery items
  • Beauty products
  • Health products
  • Household supplies
  • Pharmacy
  • Baby products
  • Jewelry
  • Books and stationery items

Home Decor and Essentials

  • Decorative pillows, curtains, rugs, and doormats
  • Frames, clocks, and slipcovers
  • Art and wall décor
  • Decorative pieces
  • Lighting and fixtures

Electronic Items

  • Music systems
  • Cell phones, tablets, and iPads
  • Laptops, desktop computers, printers, and computer accessories
  • TVs and video
  • Home audio and theatre
  • Camera, drones, surveillance, and smart home system
  • Smartwatch and so on.

Personalized Gifts

  • Mugs
  • Posters
  • Cards 
  • Wall arts
  • Blankets
  • Photo frames
  • Cards
  • Jewellery
  • Calendars
  • Photobooks


  • Living room furniture includes sofas, couches, TV stands, end tables, etc.
  • Bedroom essentials include beds, mattresses, bed frames, vanities, dressers, etc.
  • Kitchen and dining furniture such as dining tables, bar stools, folding chairs, and so on
  • Office furniture includes chairs, desks, bookcases, cube storage, file cabinets, etc.
  • Kids furniture, gaming furniture, and so on.

Custom Cakes

You can order your dream cake and cupcakes at Walmart bakery or online and pay with an American Express card. Simply provide your preferred design and shape to Walmart’s bakers. The Walmart bakers will make it for you.

Does Walmart Accept Amex for the Services Mentioned Above?

Yes, you can able all these products and services using your Amex card. Walmart accepts all types of Amex cards, including Amex debit cards, Amex reward points, and Amex gift cards.

Amex Platinum card users can receive a monthly statement credit that covers a $12.95 fee. You can enjoy this benefit of Walmart+ for no added cost. Moreover, Walmart+ members can enjoy unlimited free shipping and free delivery from entitled Walmart stores.

Even if you rarely shop at Walmart, you can still keep the benefits in your pocket. Walmart and American Express only present this time and money-saving feature to Amex Platinum card members.

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How do American Express Rewards Points work at Walmart?

Just the moment we think life can’t get any busier, surprisingly, it does. So, it’s no wonder that the way customers shop sometimes changes daily. American Express and Walmart have come up with a program for those buyers.

The program allows American Express card members to use reward points for shopping at Walmart. These reward points you get after owning membership of an Amex card.

How does it work?

We have described reward points of different Amex cards that you can earn. You must sign up for the American Express Membership Rewards Program. Also, there are some other eligibility requirements that you need to know.

What else? You can use those reward points if you shop for your essentials from Walmart’s online store. However, Walmart allows a specific type of American Express card to make a purchase using reward points from Such as;

  • American Express Consumer Card
  • Amex EveryDay Preferred card
  • American Express Corporate Card
  • Business Card from American Express OPEN

You can use any of these Amex cards during an online checkout after purchase. In that case, you’ll have the entire purchase amount charged to your Amex card. And, you’ll get a credit for the amount your reward points cover.

It will take two to four business days for the credit to appear in your card statements. So, how can you miss this opportunity of using reward points at This program is intended to encourage American Express users to shop more at Walmart.

Does Walmart Accept American Express Gift Cards?

Yes, Walmart takes American Express gift cards. If you are wondering, what is a gift card? It’s a particular type of card that you can use to purchase goods within a given cash limit. Gift cards can be given to someone as a gift instead of cash.

However, you can use American Express gift cards to purchase gift-worthy items at Walmart. It’s a great option to show your gratitude to your loved one. Walmart accepts American Express gift cards for both online and in-store purchases.

You can also use American Express gift cards at participating retail places like Sam’s Club, gas stations, etc. So, buying gifts for loved ones using an American Express gift card is a no-brainer, no matter where you are.

How to Use American Express Gift Cards at Walmart?

Purchase an item equivalent to the gift card’s value at Walmart’s online store or in-store. Then, pay for your purchase with the American Express gift car at the Walmart checkout counter.

The cashier will scan or swipe your gift card to pay for the goods. You must do the same if you use a self-checkout machine to pay for the goods. Similarly, you can pay for your purchase at any participating retail location of Walmart.

However, you can also use American Express gift cards to pay for your purchases at During the online checkout, provide the following in the respective field.

  • Your name
  • 15-digit card number
  • 4-digit security code

This means you can pay for your purchased gift items online using American Express gift cards. You can use both personal and business gift cards. There shouldn’t be any problem unless you have insufficient funds.

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Are American Express Gift Cards Available at Walmart?

Yes, American Express gift cards are available to purchase at Walmart. While purchasing the card, you’ll be charged once at the beginning with a purchase fee. You have to pay –

  • $6.88 for every $200 gift cards
  • $5.44 for every $100 gift cards
  • $3.94 for every $50 gift card and 
  • $3.44 for every $25 gift cards

Not to mention that you cannot exchange American Express gift cards for cash at Walmart. Also, you cannot use the gift card at an ATM. Walmart doesn’t offer any refund when you pay with your American Express gift card.

Where Else Can American Express Gift Card Be Used Except Walmart?

You can use American Express gift cards at any stores that accept American Express. It means that any stores that accept the American Express payment method will accept the gift card. Walgreens, Target, Lowe’s, and Home Depot are a few examples of such stores.

Other Payment Methods That Walmart Will Accept

Don’t you have an American Express card in your wallet? Don’t worry; American Express is not the only payment method that Walmart accepts. Apart from American Express, Walmart also accepts many other types of cards.

Below are some cards you can use to pay for your purchase at Walmart.

  • MasterCard, e.g. BMO Cashback® MasterCard and Rogers World Elite MasterCard
  • Visa Card
  • Discover debit and credit card
  • PayPal
  • Walmart RewardsTM MasterCard
  • ATM debit and credit cards from reputed companies
  • Money order
  • Cash

What Payment Methods Are Not Accepted at Walmart?

There are some payment methods that Walmart doesn’t accept right now. They are;

  • International cards
  • Business cards
  • Afterpay
  • Google Pay
  • Affirm
  • Apple Pay

Other Retailers That Accept American Express

Your purchases using the American Express card will not be limited to Walmart. There are many other retailers where you can use American Express to pay for your purchases. To name a few –

  • Amazon
  • IKEA
  • Target
  • Lowe’s
  • Sears
  • Best Buy
  • Apple
  • CVS
  • Staples
  • Vons
  • ALDI
  • Whole Foods Market

What Stores Don’t Accept American Express?

Some retailers don’t accept your American Express card, but MasterCard or Visa does. Many American Express card members cannot use their Amex cards in some stores. This is because American Express charges higher fees to the stores.

So, which retailers won’t accept your American Express card? The answer is the ones who want to keep more money in their stores. Stores like Costco and other small non-chain retailers don’t accept American Express cards.

Final Thoughts

Whenever you think of shopping, Walmart is one of the names that pop into your mind. You will find millions of shoppers like you far and wide. For those, Walmart has enlarged shopping prospects by accepting American Express as a payment method.

Now you don’t have to wonder, does Walmart accept American Express? We hope you got your answer already. Whether you purchase at Walmart brick-and-mortar stores or online, just use your American Express card to complete the transaction.


Walmart credit card is an alternative to traditional payment methods. Moreover, it’s a special card you can get through the Capital One app. You can use this card for purchases at Walmart only. Lastly, the Walmart credit card offers a cashback percentage for each purchase. 

American Express Blue Cash Preferred card offers cash back at supermarkets. But, it doesn’t consider Walmart as a supermarket. That’s why the American Express card’s bonus cash-back rate does not apply to purchases at Walmart. Like any other purchase, you will get 1% cash back at Walmart purchases.

Yes, you can purchase anything, cheap or expensive, from Walmart and pay with your Amex card. Walmart will accept any amount from your card.

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