How to Use Walmart Rewards Points

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You might be lucky to be gifted some Walmart points and need help to spend it, so here’s how to use Walmart rewards points.

How to Spend All Your Walmart Rewards Points

While Walmart doesn’t advertise as much as other stores, it’s still an excellent place to get good deals on your favorite items. You just have to know how to spend your points! We’ll walk you through all the best ways to spend your Walmart rewards points, so you can make sure you’re getting the most bang for your buck!

Quick Tips

Link your card
First and foremost, be sure you have a Walmart rewards card. It’s free to sign up for one, and you can find it on your local store’s website. Linking your card will allow you to collect every single point available in-store or online with that company.

Make sure you add any extra cards for family members who shop at Walmart frequently as well! For example, if you go shopping with two friends and all three of you use your rewards cards, each person gets 3X points for their purchases.

Now is also a good time to link your credit card(s) if you usually make purchases that way—you’ll get double points for those transactions as well. Once you’ve done these things, look through your receipt and search online for any additional bonuses.

For example, if you recently purchased some holiday gifts from Target using your rewards card, chances are there was an additional 10% off coupon code tucked somewhere in your bag (or maybe even on top of your receipt).

If so, type that code into Target’s site before checking out to receive an additional 10% off discount—just remember to include both discounts when calculating how many points you just earned! The more effort you put into maximizing your rewards, the more points you’ll earn. Plus, getting ahead early makes saving for bigger ticket items much easier down the road.

Understanding the currency
The first step in maximizing your rewards is understanding how they work. Each dollar spent at a Walmart store earns you one Walmart Money point, while a $100 spent online will get you 10 points (and two points for every dollar spent on groceries). Plus, there are other ways to earn points through special offers.

For example, if you’re a new member of Sam’s Club and spend $45 within three months of joining, you’ll receive 1,000 bonus points. And if you have a Sam’s Club credit card or an American Express card that includes membership benefits with Sam’s Club (such as 5x Membership Rewards® points per $1), then those purchases can be converted into money off your future shopping bill.

2 ways to spend the currency


The Walmart MoneyCard (previously branded as Bluebird) is a prepaid debit card offered by Wal-Mart. The card can be used anywhere MasterCard is accepted, and it allows users to deposit money at any of 7,000 Wal-Mart stores across America.

Walmart MoneyCard

One option for spending your currency is cashback at Wal-Mart. The second way you can use rewards points is on gift cards from over 120 partners. To buy gift cards with your reward points, simply select gift cards when checking out online or in-store. Then choose from brands like Amazon, Best Buy, Starbucks, and more!

You can also use your reward points to pay down existing balances on your Walmart credit card or other loans through Bill Me Later®. When using your reward points to pay off an existing balance, you’ll receive $0.01 per point value towards that purchase. So if you have 5,000 points, they will only reduce your balance by $50.00.

Remember: If you want to redeem your rewards points towards purchases made outside of Walmart—such as travel—you’ll need to call 1-800-WALMART and speak with one of our Customer Service Associates who will assist you further.

Which stores you can and cannot shop at with your cards


The Walmart credit card is only accepted at Walmart stores, Sam’s Club stores, and online. If you find yourself in another store with a gift card or rewards card, make sure you check out the terms and conditions. Some cards work at both stores while others may have limited acceptance. Also, note that some cards offer one per household while others allow multiple cards per person.

You should also find out whether your card will be deactivated if you don’t use it for a certain period of time. For example, Citi offers it’s Blue Cash Everyday cardholders a $25 bonus after spending $500 within three months of opening an account. After six months without using their card, however, they could lose all those perks.

Additional tips and tricks for saving even more money on groceries, gas, and general shopping

how to use walmart rewards points


Try scanning your card at Walmart, as you do in other stores. Not only will it activate your savings through Rollback—where items are marked down further for special occasions such as Veterans Day or Fourth of July—but your purchases will also add up to a point total on your receipt that’s equal to cashback.

For example, $1 off per gallon is 1 point; 3x points on all frozen foods is 9 points. This can be used toward future gas fill-ups and grocery shopping trips. You can also choose to donate your rewards to one of three charities: Feeding America, World Wildlife Fund (WWF), and Salvation Army.

A note about which stores don’t accept their own brand credit card as a way of earning more perks.

(For example, Sam’s Club doesn’t take its own Sam’s Club credit card.)
Stores like Walmart and Target offer their own credit cards that often come with additional perks, but not all stores in their retail chains accept these credit cards as a way of earning more perks.

For example, Sam’s Club doesn’t take its own Sam’s Club credit card. Always check before you make any purchases just to be sure you can earn any extra points or get your items for less.

You may have to go through a third-party service if you want to buy something at a store where you don’t have your credit card. This could involve paying an annual fee or some other charge, so it’s always best to do some research beforehand if you’re going down that route.

Otherwise, stick with using your rewards credit card at its affiliated store(s). If you do use another service, make sure they’re reputable by checking out reviews online and comparing them against similar services available on the market.

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  7. Customer Service Number for Walmart Credit Cards
  8. Can You Use a Walmart Credit Card Anywhere?

Final Note


It’s almost too easy for any of us to spend money on things we don’t need. One good way to curb your spending is by having a plan. Make a list and stick with it, and you’ll save yourself from unnecessary overspending. But saving isn’t just about cutting back: it’s also about getting in the habit of maximizing savings wherever possible.

That’s where Walmart comes in. Many people are unaware that they can use their rewards points earned through purchases at Walmart to get free gift cards or coupons for future purchases!

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