Paying Your Amex Bill: Can You Do It at Walmart?

American Express (Amex) is one of the major credit card providers in the United States. As an Amex cardholder you likely want to know where you can pay your bill conveniently each month. A common question is can I pay my American Express bill at Walmart?

Unfortunately, the short answer is no. Walmart does not accept American Express credit card payments directly. However, you still have several easy options to pay your Amex bill both online and in person.

In this article, we’ll explain why you can’t pay American Express bills at Walmart and go over the best payment methods available.

Why You Can’t Pay Amex Bills at Walmart

While Walmart allows customers to pay many different bills in-store, American Express credit card bills are not one of them

The main reason is that Walmart does not have a direct relationship with Amex to process payments. Walmart uses third-party bill pay processors like CheckFreePay, MoneyGram, and Western Union. These services have agreements with various companies to accept bill payments, but American Express is not included.

Walmart also issues their own prepaid debit card called the Walmart MoneyCard. You can use the MoneyCard to pay bills through Walmart’s bill pay service. However, it does not work for American Express card bills either.

Essentially, Amex does not have the backend integration needed with Walmart systems to allow in-store credit card bill payments. Unless they establish this connection in the future, paying your Amex bill at Walmart is not possible.

Pay Online, Mobile App, or By Phone

While paying American Express bills at Walmart is not an option right now, you have several other convenient ways to pay each month:

• Online – The easiest way to pay is through Amex’s website. Login to your account and schedule one-time or recurring payments.

• Mobile App – Download the Amex app for your iPhone or Android to pay bills on the go.

• Phone – Call American Express at 1-800-472-9297 and pay with a service agent.

• Automatic Payments – Set up auto bill pay directly from your bank account each month.

These online, mobile, and phone payment methods are all fast, secure, and simple ways to pay your American Express card bill.

Pay in Person at Retail Locations

If you prefer to pay your Amex bill in person with cash or debit card, you do have a few options:

• U.S. Post Office – You can pay bills at the Post Office with MoneyGram. There is a fee for this service.

• Banks and Credit Unions – Many banking centers accept American Express payments. Contact your local branch.

• 7-Eleven – Make bill payments at 7-Eleven through PayNearMe. Fees apply.

While not as widely available as Walmart, there are still some retailers that process American Express bill payments for those who can’t or don’t want to pay online.

Use Walmart Bill Pay for Other Credit Cards

While American Express is not supported, you can use Walmart’s bill pay service to pay other credit card bills in-store. Walmart accepts in-store payments for most major credit card issuers including:

• Capital One
• Chase
• Citi
• Discover
• Wells Fargo
• Bank of America

To pay these credit card bills at Walmart, visit the customer service desk or MoneyCenter. Have your account number ready along with your bill amount. Fees for the service will apply.

Can You Use Walmart Gift Cards for Amex Bills?

One common question is whether you can use Walmart gift cards to pay your American Express account balance. Unfortunately, this is not possible directly.

The easiest option is to purchase a prepaid debit card at Walmart with the gift card balance. Then use the prepaid debit card to make payments to American Express online, through the mobile app, or over the phone.

While not ideal, this allows you to indirectly use Walmart gift card funds to pay your Amex bill by first exchanging them for a prepaid card.

Alternative Retailers That Accept Amex Payments

In addition to banks, credit unions, 7-Eleven, and the Post Office, there are a few other major retailers that allow you to make in-person American Express credit card payments:

• CVS Pharmacy
• Rite Aid
• Costco
• HEB Grocery Stores

These chains all offer bill pay services where American Express card payments are accepted. There is usually a small service fee, but it allows another in-person option for Amex cardholders looking to pay their bills with cash or debit card.

Can You Pay at an Amex Store Location?

Unlike Visa, Mastercard, or Discover, American Express does not issue credit cards through third-party banks. All Amex cards are issued directly from American Express.

Therefore, Amex does not have “branches” or physical store locations. This prevents in-person payments directly with Amex. Your only options are online, the Amex app, phone, or retail bill pay providers like those mentioned above.

Other Ways to Pay Your Amex Card

If the options we’ve covered still do not work for your situation, here are a couple other ways you may be able to pay your Amex bill:

• Mail a check or money order to the Amex payment address printed on your monthly statement.

• Visit a bank or credit union that offers money transfers and wire funds to your American Express account.

While not as convenient as digital payments or paying at a retail store, these methods ensure you always have a way to pay your Amex bill each month.

Unfortunately, you cannot directly pay your American Express credit card bill at Walmart currently. While Walmart does provide an in-store bill pay service, it does not support American Express payments.

However, Amex cardholders still have fast, easy options to pay their bills digitally, over the phone, at select retail locations, or through other financial institutions. The easiest ways to pay are through the Amex website, mobile app, or automated payments from a bank account.

American Express is one of the most widely-accepted credit card brands. As a cardholder, be sure you understand how to conveniently pay your bill each month – even if Walmart is not a payment option right now.