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Walmart MoneyCard Review: Maximize Your Shopping Rewards

Walmart MoneyCard: Earn up to $75 back annually on your purchases.

Rickie C. Keys, Ph.D., MPH

Apr 18, 2024 — 1 min read

Features

Cash Back Rates:
- 3% at Walmart.com and in the Walmart app.
- 2% at Walmart fuel stations.
- 1% at Walmart stores and for grocery pickups and deliveries.
Account Opening: No fee upon account opening online.
Accessibility: Available as both Visa and Mastercard options.

Benefits

Annual Rewards: Earn up to $75 cash back each year*.
Early Direct Deposit: Get paid up to 2 days early with ASAP Direct Deposit.
Overdraft Protection: Opt-in protection up to $200 on eligible direct deposits.
Fee Waiver: Monthly fee waived when you direct deposit $500+ in a month.

Drawbacks

Reward Limitation: Cash back capped at $75 per year, which may limit benefits for heavy spenders.
Monthly Fee: $5.94 monthly fee applies if direct deposit condition is not met.

Product Summary

The Walmart MoneyCard offers a compelling option for regular Walmart shoppers, providing up to 3% cash back on purchases made at Walmart.com, 2% at Walmart fuel stations, and 1% in Walmart stores. This card facilitates easier money management with perks like early paycheck access and overdraft protection. While the rewards cap and potential monthly fees might deter some, the benefits of cashback and additional features like fee waivers and mobile banking support make it a valuable tool for those who frequently shop at Walmart.

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