Walmart Prepaid MoneyCard Review

A Low-Priced Prepaid Card From Walmart, With Gas Rewards

Icon of credit card

ilyast / Creative RF / Getty

Finding the right prepaid card can be difficult. So many cards price-gouge consumers and charge annoying transaction fees. The Walmart MoneyCard is one of the cheapest prepaid cards on the market and offers cash-back rewards on certain purchases. If you're looking for a prepaid card, consider the Walmart MoneyCard. Walmart also offers additional services through its GoBank offering.

About the Walmart MoneyCard

The Walmart MoneyCard is a reloadable prepaid debit card that you can use to make electronic purchases everywhere MasterCard or Visa debit cards are accepted.

Your card will come with many of the same features as a checking account. Use your card for direct deposit, and get paid up to two days early. Use mobile check deposit to cash checks, and load them to your balance. Write checks against your balance to pay bills and other expenses, or use the card's free online bill-pay service.

If you have an Apple or Android smartphone, you can download the Walmart MoneyCard App to track the activity on your prepaid card.

Walmart MoneyCard Rewards

While most prepaid cards charge fees, the Walmart MoneyCard pays cash back rewards based on the purchases you make on your card. Earn 3% at, 2% at Murphy USA and Walmart fuel stations, and 1% at Walmart stores. The total cash back you can earn is capped at $75 and is credited to your account at the end of the Reward Year.

To earn your rewards, you must have paid your monthly charge or have had it waived in a period of 12 months.

How to Reload Money Onto Your Card

There are a few ways to reload funds onto your Walmart MoneyCard.

You can use direct deposit, or Walmart check cashing, which allows you to load the card with personal checks written to you, payroll checks, insurance agency checks, money orders, cashier’s checks, rebate checks, stock dividend checks, tax refunds, federal, state, and municipal government checks, and payroll or other government checks in any amount.

Rapid Reload with cash at participating Walmart stores allows you to load any amount from $20 to $1,500. Rapid Reload has a service fee of $3.

You can also use a MoneyPak, which can be purchased for $5.95 at a participating retailer. Add $20 to $500 and complete your transaction at

Lastly, you can use online bank transfers from your bank to your card.

The maximum daily cash reload limit is $3,000. You can't reload any cash onto your card if your current balance is over $3,000. You can only have a maximum of $10,000 on your card at any time, and you can only use your card for $3,000 in daily transactions. You can only withdraw $500 from an ATM, $1,000 from a Walmart register daily, and $1,500 from a teller transaction at a participating bank.

Walmart MoneyCard Pricing

Card Purchase Fee $1.00
Monthly Charge* $5.00
Direct Deposit Reload No fee
Reload via Walmart check cashing No fee
Rapid Reload $3.00
Reload with cash on the Green Dot Network Up to $5.95
ATM Withdrawal $2.50
ATM Balance Inquiry $0.50
Cash back with purchase No fee
Walmart card cashing No fee
Replacement card $3.00
Foreign transaction fee 3%
Same day online bank transfer $2.95
Standard online bank transfer No fee

While there are lots of potential fees, most of them can be avoided. After you've purchased your card, it's possible to use it for absolutely free.

*You can have your monthly charge waived when you've loaded $1,000 or more to your card during the previous monthly period.

Frequently Asked Questions (FAQs)

How do you get a Walmart MoneyCard?

To sign up for a Walmart MoneyCard, you'll need to fill out the online application and verify some of your personal information. You must be at least 18 years old to apply.

What bank does Walmart MoneyCard use?

The Walmart MoneyCard is issued by Green Dot Bank.

How do I check the balance on my Walmart MoneyCard?

You can check your MoneyCard balance on Walmart's website or mobile app or by texting “BAL Last4″ to 96411 (where "Last4" refers to the last four digits of your card number).

Was this page helpful?
The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. Walmart MoneyCard. "About Our Product,"

  2. Walmart MoneyCard. "Bill Payment Service Agreement,"

  3. Walmart MoneyCard. "Paper Checks,"

  4. Walmart MoneyCard. "Cardholder Agreement,"

  5. Walmart MoneyCard. "Adding Money,"

  6. Walmart. "Walmart MoneyCard."

  7. Walmart. "Balance and Transaction History."

Related Articles