When it comes to paying at Walmart, there’s often confusion about whether or not American Express is accepted. Let’s dive into the details and clarify everything for you. Whether you're shopping in-store or online, knowing your payment options can make a big difference in how you plan your purchases.
Why Some Retailers Don’t Accept American Express
While more and more stores are starting to accept American Express these days, some still shy away from it. Why? Well, it often comes down to transaction fees. You see, credit card networks like Visa and Mastercard have agreements with retailers that sometimes make it less appealing for them to accept AmEx. That said, American Express is currently accepted by an impressive 99% of U.S. merchants that take credit cards, according to a 2022 report by Nilson Report. But here’s the deal—when you're shopping at smaller businesses or traveling abroad, your American Express card might not be as widely accepted as Visa or MasterCard.
Where Can You Use American Express?
Let’s get practical for a moment. Below, I’ve compiled a list of over 100 national retailers that happily accept American Express, categorized for your convenience. From grocery stores to department stores, there’s plenty of places where you can use your AmEx card without any hassle. Plus, American Express is accepted at 10.6 million merchant locations across the United States and in over 160 countries and territories worldwide. So, no matter where life takes you, chances are good that you’ll find a place that accepts your card.
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Does Walmart Accept American Express?
Here’s the straightforward answer: Yes, Walmart does accept American Express credit cards, debit cards, and even gift cards. This includes all standard American Express credit cards, debit cards, prepaid gift cards, and Membership Rewards points for purchases made on Walmart.com. But here’s something interesting—while you can use your American Express card online at Walmart, physical Walmart stores don’t currently accept it. Don’t worry, though; Walmart still offers a variety of payment methods, including Visa, Mastercard, Discover, and more.
Why Doesn’t Walmart Accept American Express In-Store?
Now, let’s tackle the big question: Why doesn’t Walmart accept American Express in its physical stores? The truth is, it comes down to business decisions and partnerships. Many large retailers, including Walmart, have exclusive deals with other credit card networks like Visa and Mastercard, which means they might not see the financial benefit of also accepting American Express. But hey, if you’re shopping online at Walmart.com, you’re good to go with your AmEx card!
What Payment Methods Does Walmart Accept?
Walmart keeps things simple when it comes to payment options. Here’s a quick rundown of what you can use:
- Credit Cards: Visa, Mastercard, Discover, American Express
- Debit Cards
- Walmart Cash or Refund Credit
- Click to Pay (compatible with Walmart.com)
And if you’re a Walmart+ member, you’re in for some serious savings. With benefits like free unlimited grocery delivery, lower prices, free shipping, access to Paramount+, fuel discounts, and early access to deals, it’s definitely worth considering.
Can You Use American Express Gift Cards at Walmart?
American Express gift cards are a popular choice, and many people wonder if they can use them at Walmart. The good news is that yes, Walmart does accept American Express gift cards as payment. Whether you’ve received one as a gift or are thinking of buying one, you can rest assured that it’ll work just fine at Walmart. Just remember, this applies to both physical stores and Walmart.com.
Why Choose American Express?
So, why should you consider using American Express? For starters, AmEx is known for its top-notch customer service and fantastic rewards programs. Members who favor American Express can enjoy these benefits while shopping at places like Sam’s Club or Walmart.com. Plus, AmEx cardholders tend to spend more on average compared to other credit card users, which can translate into bigger rewards and perks. If you’re someone who values superior service and generous rewards, American Express could be the right choice for you.
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Other Payment Options at Walmart
At Walmart, you’ll find a variety of payment methods to choose from. In addition to credit cards, you can also use:
- Walmart & Sam’s Club Gift Cards
- Discover SNAP/EBT* Healthy Benefits+ (S3 Network)**
- Walmart Credit (PLCC)
- Prepaid Credit Cards
And if you’re filling up your gas tank, you’ll be happy to know that American Express is accepted at many gas stations, including popular chains like Shell, Chevron, and BP.
Final Thoughts
Whether you’re shopping in-store or online, knowing your payment options can help you make the most of your shopping experience. While Walmart doesn’t accept American Express in its physical stores, you can still use it online at Walmart.com. Plus, with the convenience of Click to Pay and the flexibility of gift cards, there’s no shortage of ways to pay at Walmart. So, the next time you’re planning a shopping trip, don’t forget to check out all the payment options available to you.
Oh, and one last thing—if you’re looking for a great credit card to use at Walmart, consider the Blue Cash Preferred® Card from American Express. With up to 6% cash back on eligible U.S. supermarket purchases and a $250 statement credit after spending $3,000 on eligible purchases within the first six months, it’s a no-brainer for savvy shoppers.
