Walmart Money Card Review

Are you a frequent shopper at Walmart? If so, the Walmart MoneyCard Prepaid Debit Card should be a mainstay in your wallet. It makes shopping easier and more convenient much like their walmart to walmart tracking service.

As a prepaid card, you only get to spend only what you load on the MoneyCard. You can stick to your budget and avoid overspending. But at the same time, going overboard isn’t such a bad thing because the card rewards you with cashbacks, discounts, and other benefits.

If you enjoy shopping at Walmart, read our article to learn more about Walmart MoneyCard and why it could be your best choice for a prepaid debit card.

What Is Walmart Money Card?

Not all prepaid debit cards are created equal. You can easily be enticed to get one that the issuer made you believe was the best one to meet your needs because it has the most generous cashback rewards program, enticing discount promotions, and highly-competitive transaction fees.

The Walmart MoneyCard is a prepaid debit card that you reload whenever you plan to shop at Walmart.

You can use the debit card to make purchases electronically as long as the establishment accepts VISA or Mastercard debit cards.

What you need to know is that the Walmart MoneyCard was designed and developed for Walmart shoppers – to make the shopping experience better, more affordable, and more rewarding. And only a select number of services carry charges.

walmart money card in wallet

Key Features Of The Walmart Money Card

By signing up for a Walmart MoneyCard, you’ll spend more time enjoying its benefits than worrying about its transaction fees. But there’s more to the Walmart MoneyCard than just having a debit card to pay for store items.

Here is a summary of the key features of the Walmart MoneyCard:

Enjoy Cashback Rewards

Whenever you shop at, you can earn cashback rewards of up to 3% on your purchases. If you gas up at a Walmart fuel station, you’ll be rewarded with a 2% cashback.

And if you decide to drive down and shop at a brick-and-mortar Walmart store, you’ll get a 1% cashback. The total amount of cashback rewards you can earn in one year is US$75.

Payday Direct Deposit

100 dollar bills

Say goodbye to the Payday Blues! You can have your salary deposited in your bank account 2 days before the regular payday and you can request up to 4 days early deposit for your benefits by subscribing to Walmart MoneyCard’s ASAP Direct Deposit benefit.

Overdraft Protection

Sign up for your Walmart MoneyCard and shop with confidence as you can qualify for overdraft protection that can go as high as US$200 depending on your approved direct deposit.

Fast and Convenient Banking – Save time and avoid the hassles of the commute by using your Walmart MoneyCard to facilitate your usual banking transactions.

Shop More and Pay Less

Take advantage of the savings benefits of using your Walmart MoneyCard debit card to pay for purchases without having to deal with exorbitant fees. You won’t have to pay monthly fees if your direct deposit amounts to US$500. If your direct deposit is lower, the monthly fee will only be US$5.94.

Competitive APY on Savings

Park your money in a savings account and use your Walmart MoneyCard to earn a generous APY of 2% by maintaining a balance of only US$1,000. At the same time, you’ll be qualified to participate in programs that might generate cash rewards for you every month.

Start Account For Your Family

If you have a family of 4, you can help them open accounts for free as long as they have been approved and at least 13 years old.

What Are The Fees And Charges For Using The Walmart MoneyCard?

inside walmart store

What makes the Walmart MoneyCard debit card different from other prepaid debit cards is that it rewards you with cashbacks instead of charging you usage fees.

However, there are qualifications to avail of the cashback rewards. If your direct deposit is lower than US$500, you will have to pay a monthly fee of US$5.94.

This fee must be paid and kept current within a period of 1 year. The amount of cashback rewards you’ve earned will be deposited into your account.

Here is a summary of the fees and charges you could possibly pay when you’re using the Walmart MoneyCard prepaid debit card.

  • Monthly – US$5.94
  • Reloading via the Green Dot Network – Maximum of US$5.95
  • Rapid Reload – US$3.00
  • Replacement of Card – US$3.00
  • Online Bank Transfer, Same Day – US$2.95
  • ATM Withdrawals – US$2.50
  • Card Purchase – US$1.00
  • Balance Inquiry – US$0.50
  • Foreign Transaction – 3% of the amount
  • Direct Deposit Reload – No charge
  • Reload via Walmart – No charge
  • Cashback with purchase – No charge
  • Walmart cashing via card – No charge
  • Online Bank Transfer, Standard – No charge

Again, you can reduce the amount of fees that you pay when using the Walmart MoneyCard prepaid debit card if your direct deposit amounts to US$1,000.

How To Reload Money Onto Your Walmart MoneyCard

Reloading money into your Walmart MoneyCard debit prepaid card is easy. Transferring funds from your bank is popular but there are a few options for you to consider.

Direct Deposit

Also called Walmart Check Cashing, this method lets you reload your Walmart MoneyCard with payments made to you via personal checks, insurance agency checks, money orders, rebate checks, tax refunds, local government checks, federal checks, municipal checks, and from your payroll.

Rapid Reload

You can reload your MoneyCard at the cashier or designated station at participating locations of Walmart. The amount that you can reload can range from US$20 to as high as US$1,500. Take note that there is a fee of US$3 for availing of the Rapid Reload service.


This option is only available at participating locations of Walmart and will require payment of US$5.95. Using MoneyPak, you can reload your MoneyCard anywhere from US$20 to US$500.

A few reminders about reloading your Walmart MoneyCard

  • The limit for daily cash reload is set at US$3,000.
  • You won’t be allowed to reload if your balance is at or over US$3,000.
  • The maximum amount on your MoneyCard is US$10,000 at any time.
  • The maximum amount you can spend in one day’s worth of transactions is US$3,000.
  • The maximum amount you can withdraw from an ATM is US$500.
  • The maximum amount you can withdraw from a Walmart location is US$1,000.
  • The maximum amount you can withdraw from a participating bank is US$1,500.

Frequently Asked Questions (FAQs) About Walmart MoneyCard

Below we answer some of the most commonly asked questions about the walmart money card:

How can I get a Walmart MoneyCard?

To get a Walmart MoneyCard, go to and fill out an application form. You will be asked to enter some personal information. Please give accurate details. Also, take note that you have to be at least 18 years old to apply for a Walmart MoneyCard.

What is the issuing bank of Walmart MoneyCard?

The issuing bank of Walmart MoneyCard is Green Dot Bank.

How can I use my Walmart MoneyCard to check my account balance?

Simply go to the Walmart website to check your balance. Another option is to text BAL Last4 to 96411. The “Last4” means that you provide the last 4 digits of your Walmart MoneyCard debit prepaid card.


If you’re a regular shopper at Walmart, get yourself a Walmart MoneyCard prepaid debit card. It will make shopping a rewarding experience and you might end up saving more money because you can stay within a budget and earn cashback points at the same time.

Likewise, this prepaid card has unique features and advantages that other debit cards don’t have such as money transfer, payroll direct deposit services, and family account opening features.

And if you can maintain a US$500 direct deposit, you’ll essentially own a card that doesn’t have a lot of fees.