Managing money just got simpler with Walmart MoneyCard. This reloadable debit card blends flexibility with exclusive perks, offering early direct deposits, cashback rewards at Walmart stores, and family account options. Perfect for budget-conscious users, it eliminates credit checks and helps you earn interest on savings—all through a user-friendly app.
Features of Walmart MoneyCard
💚 Early Payday Access
Get paychecks or government benefits up to 2 days early* with direct deposit.
💚 Rewards on Everyday Spending
Earn 3% back on Walmart.com, 2% at fuel stations, and 1% in-store—capped at $75 annually.
💚 Family-Friendly Banking
Add up to 4 family members (13+) to your account, each with their own card for shared spending.
✨ Savings Boost
Grow your savings with 2% annual interest on balances up to $1,000.
✨ Overdraft Safety Net
Opt in for up to $200 overdraft coverage to avoid declined transactions.
Advantages of Walmart MoneyCard
* No monthly fees with a $500+ qualifying direct deposit.
* Instant in-store cash reloads at Walmart locations nationwide.
* Mobile check deposits via the app eliminate bank visits.
* Lock/unlock card controls for added security against fraud.
Disadvantages of Walmart MoneyCard
- $5.94 monthly fee without a qualifying direct deposit.
- ATM withdrawals incur fees unless using in-network machines.
- Savings interest applies only up to $1,000 balance.
- Secondary users must be 13+; primary account holders require SSN verification.
Behind the App
Developed by Green Dot Bank, a leader in fintech solutions, Walmart MoneyCard combines retail accessibility with FDIC-insured banking. Partnering with Walmart ensures seamless integration for in-store reloads and rewards.
Standing Out
*Chime*: Offers early payday but lacks physical reload locations.
*Venmo/Cash App*: Focus on peer-to-peer transactions; no cashback rewards.
*Bluebird by Amex*: Similar features but no savings interest or family accounts.
User Feedback
Rated 4.2/5 across platforms, users praise its cashback and early deposits. Criticisms target fees for non-qualifying accounts and limited savings growth.
