Walmart

Things You should know before buying Visa Gift Card from giftcards.com

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Visa gift cards are available to purchase online at giftcards.com. The highest denomination is $500, and a purchase fee is $6.95. (It used to be $4.95. It’s increased recently.) And they also charge a shipping fee. There are several options for shipping, and I will show the details later.

Update 11/18/2015, Giftcards.com removed $500 VGCs from the option about a month ago. The highest denomination of VGCs is now $250 with $4.95 activation fee.

Update 11/27/2015, Giftcards.com put back $500 VGCs! A purchase fee is the same, $6.95. I don’t know the exact date they were back.

First of all, I’ll show the details of the gift card itself.

Features

The card is issued by the Bancorp Bank. It’s the same bank as Vanilla brand gift cards, but the cards from giftcards.com are NOT Vanilla. You can use them at Walmart. So far, I have been using them for only reloading Amex Serve, and they were accepted at Walmart kiosk, Money Center, and Family Dollar.

Design

Your name, expiration date, and card# are embossed. On the top right corner, there is a small print “Gift”.But it’s so tiny that you can remove it by a knife, sand paper, or conceal it by a sticker.

The card needs an activation at giftcards.com or over the phone. You will see or be told a pre-set PIN at that time, and you can change it to your own PIN later. Unlike VGC from Staples, there is no way to register your name and address. I think it’s already registered because my name is on the card and accepted at Walmart. So, I don’t really care.

Fees

The minimum cost per card is $6.95 (purchase fee)+ $1.99 (USPS first class mail) = $8.94. Before they raised a purchase fee, there was always a promo code to waive a shipping fee (UPSP first class mail only), but I can’t find the code anymore. I think they stop offering free shipping codes. All I can see now are codes for free personalization or free greeting card. For your information, you can check current promo codes on the activation page of the website. Activate (Enter a card number of) any VGC from giftcards.com (it doesn’t matter if the card has been activated) and it shows one promo code. Refresh the page to have it changed to a different code. I used to do this until a free-shipping code showed up, but now it never shows up.

There are several other shipping options:

  • $7.45 USPS Delivery Confirmation
  • $16.56 FedEx Express Saver
  • $18.08 FedEx Two Day
  • $45.00 FedEx Priority Overnight

All these options are charged per order while $1.99-USPS First Class is charged per card. Now that they don’t offer a free-shipping promo code, you’d better order 4 or more cards and choose $7.45-USPS Delivery Confirmation. (There is no option of $1.99-USPS First Class when you added 4 or more cards to a cart, anyway.)

Besides, I had a bad experience with this option on the last order. I bought two $500 VGCs. A purchase fee was $4.95 per card back then, and shipping fee $1.99 x 2=$3.98 was weaved by a promo code. A week later, only one card arrived. I waited for another week, but the other one didn’t arrive. So, I sent an email to a customer service. They told me that I needed to pay $4.95 for a re-issue fee. I called the customer service to make sure, and their answer was the same. The envelope might be lost in transit. Or, it is possible that giftcards.com forgot to send one envelope in the first place. Either way, it is not my fault. But, I’m the one who has to pay the extra money. I don’t think it’s reasonable. So, I canceled the order and received a refund of $500 ($4.95 didn’t come back.)

From this experience, you should avoid $1.99-USPS First Class. Order 4 or more cards at a time and choose $7.45-USPS Delivery Confirmation. If you order four cards, the shipping cost is $1.86 per card. And a purchase fee is 6.95. The total fee is $8.81 per card. It’s expensive for $500 VGC, but “G-Money” will reduce the most of it.

G-Money

You can earn G-Money Points on every order at giftcards.com. Earn 1 point on every $1 spent. 1 point is worth 1 cent, and you can redeem for future purchases. That is to say, it’s 1% back loyalty rewards program. The points are redeemable at giftcards.com only. However, since you can redeem for VGC purchases, you can consider them as cash. And, a purchase fee and shipping fee are also eligible for the reward points. For example, when you bought four $500 VGCs with $7.45 USPS Delivery Confirmation, you pay $2035.25 and earn 2035 points. When you repeat this transaction, you earn and redeem around $20-worth of GMoney on every order. ($2035.25-20)/4=503.8125. The fee will be less than 1%!

Update 11/18/2015, A purchase fee, Shipping fee, and G-Money redemption are no longer eligible for G-Money. If you buy $250 VGC, you earn 250pts=$2.50. When you redeem this points on the next $250 VGC purchase, you will earn 247 or 248 pts. Here is the calculation of $250 VGCs version when you buy eight VGCs. A total cost will be $254.95*8+$7.45=$2047.05. You will earn $20-worth G-Money on the first order, but if you keep using G-Money for the following orders, you will earn a little less than $20 G-Money. But, let’s make it simple, say you earn $20 G-Money every order, you pay $2027.05. $2027.05/8=253.4375. As you see, the fee is now more than 1%.

Update 11/27/2015, I also found that there is 1% cash back deal from some shopping portals, Simply Best Coupons, ShopAtHome, and Panda Cash Back. I just checked out four cards via SBC’s link. However, it seems you can’t earn G-Money on VGC purchases, instead.

giftcards.com 500 visa gift card

And, there is a promo code for free shipping. It’s valid for USPS First Class mail only. So, I don’t recommend using it.

giftcards.com free shipping promo code

Summery

Card#, expiration date, and your name are embossed on VGCs. The highest denomination is $500 with $6.95 fee. The cheapest shipping cost is $1.99-USPS First Class Mail. There used to be promo codes to waive this fee. It may be available sometimes in the future, but I wouldn’t use it. $1.99-USPS First Class Mail isn’t reliable. You’d better choose $7.45-USPS Delivery Confirmation. Giftcards.com offers their own rewards program. It gives you back 1% of every dollar you spend at giftcards.com. And most importantly, VGCs from giftcards.com are WM, TGT, and FD friendly.

Amex Serve at WM&FD experience

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The closest Walmart store from my home has a kiosk. A month ago, (when I decided to switch from Redbird to Serve) I visited to see if a kiosk was in a good shape. At that time, it was working well. To make sure, I actually swiped my reloadable prepaid cards (Mango and PayPay prepaid) and proceeded until it prompted me to swipe a card of payment. And then I canceled because I just wanted to make sure it was working, and for both cards, it charges $3.74 reload fee.

Today, I visited there to load Serve with VGCs and MCGCs. My plan was to use five GCs. But, a kiosk was not working. The kiosk was surrounded by many shopping carts and put by a few plastic tapes. It wasn’t turned off, though. A display showed “Approval Needed”. Reportedly, it causes by loading a lot of money in the short period. (According to the forum, the limit is $1999 in 10 mins.) I have seen it frozen many times, but I have never seen it blocked by shopping carts and tapes.

us bank mastercard gift cardThere was no choice. I had to give up using the kiosk and tried to load at cashiers. I used an MCGC issued by US Bank, and it didn’t go through. The system treated the card as credit. A display of PIN pad prompted to sign for a moment and then automatically canceled the whole transaction. I asked a cashier to do it again. I tried to hit the cancel button to change from credit to debit. But other clerk or manager came up from behind and saw me using a gift card. He told the cashier they couldn’t accept gift cards for reloads. I gave up loading today and left the store.

After that, I headed to Family Dollar. The store is very close to Walmart. I have visited once and loaded with a Vanilla VGC. That was about a year ago. As the store I went yesterday, I was worried that they stop accepting debit cards for reloads. But they still allow it. I successfully loaded with $400VGC from Target.

There are many FD stores in my neighborhood. I’m going to visit all stores and see which store accept debit cards for reloads.

I remember that I was able to use MCGC by US bank at a kiosk. But I don’t remember how long ago. Maybe, the system updated to block these cards by now, or it happens only at a register. Or, if I hit cancel on PIN pad right after a swipe, does it give me a chance to choose between debit and credit?

Today, I got a bad news from WM and good one from FD. Since a reload with Vanilla VGC via FD is still working, I went Target.com to buy more VGCs, but they were sold out. However, I found an incredibly great new item. Click here to see it yourself.

My experience with my Amex Serve so far

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I received Amex Serve card yesterday and tried to do something, but there has been no good progress at all.

First, I tried to load with $400VGC at Family Dollar, which I bought at Target.com. The gift card has the same feature as Vanilla VGCs. So, you can’t use it at Walmart for reloads. I visited only one store today. The store used to accept debit cards for reloads, but now they accept cash only. There are three stores I loaded with VGCs last year. I will see if they still accept debit cards for reloads.

Second, I received an email from Serve about the investigation of Debit card I linked yesterday. They always ask you to upload photocopies of ID and Debit card whenever you change linked cards so you can’t use prepaid cards for online-reloads. I linked PayPal Business Debit card and soon received an email that asked me to send photocopies. I did, and here is their response:

Hello

During a recent review of your American Express Serve® Account we noticed you have linked a prepaid card that is not a permitted funding source. The acceptable card funding sources are a bank debit or credit card.

Please contact a Customer Care Professional immediately at 1-800-555-4318 so we can discuss further details on this matter.

Thanks,

The American Express Serve Team

“we noticed you have linked a prepaid card that is…..” This isn’t correct. PP debit card is not a prepaid card. I used the card for Serve’s online reloads last year. I’ve been using it for Redbird online-reloads until I closed my account this month. Do they confuse it with PP Prepaid MasterCard? Or they only accept debit cards issued by major banks now?

I have two reward-earning debit cards. One is PP debit card, and the other one is Discover Cashback Checking Debit card. Discover debit card can earn 10 cents per transaction, up to 100 transactions per month. If you want to earn maximum rewards with this debit card, you have to make (100) $10-online-reloads every month. It would be obviously an abuse against both Discover and Serve. So, the only choice for me is to use PP debit card. I will call Amex tomorrow to see if it was a mistake or a new rule.

And I also need to go to Walmart and other Family Dollar stores tomorrow. While I was waiting for Serve card, there are many prepaid cards piled up. I hope ATM works good and find FD store that still accepts debit cards for reloads.

My Amex Serve card is on its way!

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amex serve card is on its way

I received an email that told me that Amex Serve card is shipped out. A few days ago, I closed Redbird and re-applied Serve. Here are the posts about the background of this event.

Probably, I will be able to receive the card next week. If it arrived before 26th, I will be able to do five online reloads. As for in-store reloads, I’m not worried because I need at least 2 days for $5000 reloads. Currently, there are five $200VGC and three $500VGC waiting for being swiped at Walmart ATM. And one $400VanillaVGC is to load at Family Dollar. Two more $200VGCs will be added through Staples Easy Rebate next week. I also need to buy two more $200VGC at Bed Bath and Beyond to redeem fully 2nd category bonus of Chase freedom. It’s $3700 in total. For the rest ($1300), I will buy VGCs at BBY or supermarket and use PayPal Business debit card directly.

Goodbye to Redbird, Say Hello to Serve again

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Closing Redbird

The last transaction of Redbird just completed. It was a withdrawal of remaining balance to my bank account. It appeared in my bank account history. So, I logged in Redbird account for the last time to close the account.

Background: Reasons for closing

My local Target stores have their own rules to restrict types of payment for reloads. Some stores had the rules before the change on May 7th, some stores had ones after the change. In most stores in NYC, you can’t load Redbird with prepaid debit cards. (I have never loaded at stores in Manhattan and Bronx. So, I don’t know their rules before and after the change. Click here to see more details of my local stores)

Procedures for closing

I used to have Serve. I closed last year to open Redbird. The way of closing Redbird is the same as Serve. You can find a button for closing all the way down in Profile page.

closing redbird

 

Choose a reason for closing and left some note.

reason for closing

Just like Serve, Redbird showed this crying face.

goodbye to redbird

Registration of Serve

Soon, I went to Serve.com and finished a registration. They sent an email with a link for verification. After the verification, I can log in my Serve account. I tried to do some things, but nothing is possible until activating the card. They give this message in all pages.

must activate the card before doing anything

According to the email, the card will arrive in 7 to 10 business days. There are a lot of things to do after the card arrives.

  • Activate the card
  • Link PayPal Business Debit card – I have two cards. One is linked to my PayPal account that balance is always zero and set PP Extras credit card as a backup funding source. I couldn’t use this one for online-reload of Redbird. I was able to link, but the transaction never went through. So, I have been using the other one that is linked to another PayPal account in which always have some balance. It may be the same result, but first I try to use the first one for Serve because I could get a reward from not only PP debit card but also PP credit card.
  • Load VGCs from Staples, BBY, BBB, and supermarket – All these are issued by MetaBank. You can register your name, address and set PIN as you like. There is no worry of decline when you load at Walmart ATM.
  • Load VGC from Target – It has the same features as Vanilla VGC. It charges $6 purchase fee per $400 denomination card. The fee is a little more expensive than $500VGCs, but you can buy it online with any payment methods except for TargetGCs. Since it is a Vanilla VGC, you can’t use for reloads at Walmart. But you may be able to use at Family Dollar. When I had Serve (first one before opening Redbird), I had loaded with Vanilla VGCs sometimes. I need to check if it still works.
  • Check Amex Offers – Currently, I can’t see any offers. The message is here, too. I need to activate the card first of all.

That’s all for now. Among three Amex prepaid cards (BlueBird, Serve, and Redbird), Serve is the only one with which you can link credit card for online-reload. But a card has to be Amex, and Amex-issued credit cards can’t earn a reward through online-reloads. To earn a reward, you need a non-Amex issued Amex credit card. And I don’t have it yet. I am going to apply Fidelity Amex credit card in a near future.

I hope the card arrive soon so I can have enough time to load fully this month.

Unloading Prepaid Card – Walmart MoneyCard by Green Dot

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I had my Walmart MoneyCard Preferred shut down by Green Dot because they don’t like the way I used it. I can’t reload or pay bills anymore. All I can do is spend the remaining balance. Just before the shut-down, I set up bill pays that could unload almost all the balance. However, they were canceled. So, I need to unload over $2500 by purchasing.

Unloading Visa or MasterCard prepaid cards is easy. Since they have the feature of debit card, you can use at ATM and get cash back at register. But the fastest way to unload is reload BlueBird or Serve with them.

unloading walmart moneycardYou can reload up to $1000 per day and choose any amount (minimum $20.) I went to Walmart twice and made two reloads to finish the Walmart MoneyCard. There is a transfer to Chime card between two reloads. At that time, I found a lot of new Chime offers. I reload Chime card so I can redeem new offers. Chime doesn’t charge a reload fee. As long as I know, the debit card that Chime charges a reload fee is PayPal Business Debit card. I have tested all other debit cards I have (Mango, PayPal Prepaid, Walmart MoneyCard, and Chase,) and none of them are charged a reload fee. (see details here.)

Anyway, my Walmart MoneyCard is completely dead now. It has no money in it, and it can’t be added any money, either. The last transaction (reloading my Serve card at Walmart) is like a funeral for Walmart MoneyCard. So, I chose Walmart for its funeral as a courtesy.

What happens when retailer cancels your order with Amex Offer?

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When I redeemed a recent Amex Offer “Get $5 statement credit when you spend $15 or more at Walmart.com“, I had a little trouble. My initial plan goes like this:

  • Buy $15 Walmart E-Gift cards with my two American Express cards
  • Buy $30 Starbucks physical gift card with two $15 Walmart E-gift cards

walmart egift card cancelIn this way, I can get 33.3% discounted Starbucks gift card. (see detail here.) I placed the first order, but Walmart canceled my order about 10 minutes after I placed the order. When I submitted an order, I received an email of “Thank You for using your Synced Card!”from American Express in no time. Then, a few minutes later, I received the order confirmation email from Walmart. But, ten minutes later, I received another email for telling me that the order was canceled. The reason of cancellation is not clear. The email said,

Thank you for shopping with Walmart.com. Unfortunately, due to an error processing payment information, we have had to cancel the following order

For sure, I entered credit card number correctly because I received an email from American Express.

The email also said,

Since this order hasn’t shipped, your account was never charged. Any authorization hold placed on your account will automatically expire in accordance with the card issuer’s policy. Please contact your financial institution for more information

However, there is a pending transaction in the history of my credit card. So, I just waited until this pending transaction would disappear.

Although I received “Thank You for using your Synced Card!” email from AmEx, the offer of Walmart had been in MY OFFERS (a list of offers that is synced, but not yet redeemed), not in MY SAVINGS (a list of offers you redeemed).

When a pending transaction disappeared from the history, the offer of Walmart stayed in MY OFFERS. I placed another order of E-gift card, but the order was also canceled.

I waited another a few more days and then placed an order of physical gift card. This time, it went through. I didn’t receive an email from AmEx, but $5 statement credit was posted a few days later.

If the order is canceled after a statement credit is posted, it is probably a different story. As long as the transaction is still pending when retailers or you cancel an order, you won’t lose Amex Offer.

New Amex Offer at Walmart.com and Purchase of Gift Card

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amex offer walmart onlineThere is new Amex Offer. “Get $5 statement credit when you spend $15 or more at Walmart.com.”It is only for online purchases and not valid on gift cards reloads and prepaid cards. I understand what exactly “gift cards reloads” means, but I’m not sure about “prepaid cards.” Since the terms doesn’t say “not valid on gift cards” but “not valid on prepaid cards,” I assumed that the purchase of regular gift cards is eligible for the offer.

discounted starbucks gift cardI browsed gift cards at Walmart.com, and I find that only Starbucks gift cards are useful to me. However, there is no denomination of $15. They have $25 and $30 (3/$10 multi-pack). If I buy $25 Starbucks gift card and get $5 statement credit, it’s like a 20% discounted gift card. It is a lot of discount, but you can find better deals at gift card exchange sites. As you see in the picture, ABC gift cards are selling them with 24% discount.

To maximize the benefit of this offer, I need to one extra step. My plan goes like this:

Buy $15 Walmart GCs -> Redeem Walmart GCs for Starbucks GCs

walmart egift cardAfter adding some gift cards to a cart and pretending to check them out at Walmart.com, I found that Walmart probably allowed to use GCs for purchase of other gift cards except for Visa, MasterCard, and American Express GCs. It seems that they even allow to purchase Walmart GCs with Walmart GCs. And you can choose any amount of Walmart GCs between $10 and $1000 in one cent increment. (e-gift cards are between $5 and $200.) So, when you buy $15 Walmart GC with Amex Offer, you get 33.33% off deal.

I have two AmEx cards that can sync with Amex Offers, Blue Cash Preferred and Serve. Buying $15 Walmart GCs with each card and then redeeming them for $30 Starbucks GC will be perfect to get the full of the benefit of this offer.

Walmart Cancel My Order

walmart cancelled my orderI chose e-gift card to save time and checked out one $15 Walmart GC with Blue Cash Preferred. Almost at the same time as check-out, I received an order confirmation email from Walmart and “Thank You for using your Enrolled Card” email from AmEx. Then when I tried to buy another $15 Walmart GC, a problem happened. Walmart sent another email that told me the order was cancelled because my payment couldn’t be verified.

I don’t know what caused the error, but I’m sure I enter the right credit card information because I received confirmation emails from both Walmart and AmEx. My question is what happened to my Amex Offer now. It can be redeemed only once on each card. I have never experienced this type of thing before. I’d better wait till the pending transaction will be cleared.

Chime Card Reviews

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chime cardChime Card is Reloadable Prepaid Debit Card that has a logo of Visa on it. Since it is a debit card, you can withdraw cash at ATM and get cash back with a purchase where available. But, the main feature of the card is that you can earn Instant Cash Back when you make qualifying purchases with the card.

Chime Offer

There are two types of rewards you can earn with Chime card, Earned Credit and Store Credit. Earned Credit is just like Amex Offer. Spend a certain amount at certain store and you will get certain amount credit. This type of offers looks like a left picture. One thing that is different from Amex Offer is you don’t need to sync with offers. As long as you use the card for a purchase that costs more than a requirement, you will get the credit. Store Credit has no minimum requirement and looks like a right picture. No matter how much you spend you will earn the credit. If you spend less than the amount they offer, you will receive the same amount of credit as you spend. The remaining balance of credit is kept for the next purchase.

chime offer earn creditchime offer store credit

How to Add Money

There are three ways to add money to Chime card.

  • Debit Card – $100 $200 per day
  • Bank Transfer – $200 per day
  • Direct Deposit

None of them is charged a fee. Some debit cards are charged up to 3% as a reload fee. Click here to see more details about charges. If you have a reward/point earning debit card, use it. You can do it online or with a mobile app. Money is available in no time. For example, PayPal Business Debit MasterCard offers 1% cash back for every purchase. Transferring money to Chime account is treated as a purchase in PayPal statement. So, you can earn 1% cash back every time you add money to the card.

A limit of $100 per day seems a little, but all Chime offers are mostly less than $50 (e.g., spend $35, get $5). And I have never seen an offer more than $100. When you find a good offer and don’t have enough money in the card. No problem. You can use the internet or smartphone to add money in a minute.

Fees

They charge a fee for the following transactions

  • Domestic Cash Withdrawal Fee: $2.50 per transaction
  • ATM Balance Inquiry Fee: $0.50 per transaction
  • Account Maintenance Fee: $5.00 per month ONLY AFTER 180 consecutive days of no purchases, withdrawals, or deposits on your account.
  • International Transaction Fee: 3% of the total purchase amount
  • International Cash Withdrawal Fee*: $2.50 + 3% of the total withdrawal amount
  • Check Refund Fee: $5.00 per check issued
  • Express Card Replacement Fee: $25.00 per card issued

As long as you use the card for redeeming Chime offers, you won’t get charged any fees. $5 for maintenance fee is avoidable. Any transaction you made waives the fee for 180 days. It is hard to get charged!

What Else?

On the back of the card, at the bottom, it says:

This card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A Inc.

It reminds me of something. The Bancorp Bank also issues Visa gift cards. Vanilla, OneVanilla, and Target Visa gift cards are all issued by the same bank. Since Walmart updated POS system, these gift cards can’t be used for reloading American Express BlueBird, Serve, or other reloadable prepaid cards (see details here.) Apparently, the problem is that these gift cards can’t be registered (or attached your name and billing address) because of their feature. However, Chime card is personalized. Your name and address are surely attached to the card so you can make online orders. And your name is also on the card. There is nothing shady to use the card for reloading BlueBird/Serve at Walmart.

So, I went to Walmart Kiosk and added $100 to my Serve card with Chime card. The transaction went through, and here is how it looks like in Chime history.

walmart swipe reload with chime card

This is great! When I add money to Chime with PayPal debit card, I got 1% cash back from PayPal. But you can bring money back to PayPal through Serve and Bank account. You can load Serve or Bluebird with PayPal debit card directly, in the same way, at Walmart, but this transaction is a PIN-used purchase which PayPal doesn’t offer 1% cash back.

I also shopped at grocery stores. I used self-checkout cashiers and got $50 (Pathmark) and $80 (Stop and Shop) cash back. ($50 and $80 are the maximum amounts for cash back allowed by self-checkout cashiers)

Aside from Chime Offer, the card can also be used for manufactured spending if you have a point/reward earning debit card. I wrote “there is nothing shady” earlier, but I think you should do these kinds of things moderately. Check all Chime Offers every week and redeem them from time to time, and reload BlueBird/Serve between these transactions.The history of Chime card shouldn’t be only Walmart and Debit Card Transfer.

Summery

Chime Offer is very good for money savings. You can see new offers every week. Each offer has a limited number, but it doesn’t fly away so quickly at least for now. As long as you use the card for redeeming Chime Offers, you won’t get charged any fee if you make any transaction within 180 days. If you add money to the card with point/reward earning debit cards, you can boost up the earning by reloading BlueBird/Serve or get cash back at registers.

You can only apply the card online. Please click here to get started.

Walmart MoneyCard Reviews

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Walmart MoneyCard is reloadable prepaid card that has Visa or MasterCard logo on it. You can use it just like as a debit card. For standard debit cards issued by U.S. major banks, you have to have enough money in your bank accounts to make a purchase with the cards. For reloadable prepaid cards, you need to add money to your card’s account. (It is also like a bank account, but it exists online only.) As its name shows, Walmart MoneyCard has benefits for people who visit Walmart often.

walmart moneycard preferred no fee for reload

Load with Visa/MasterCard Gift Card

You can load the card with Visa or MasterCard gift cards at Walmart ATM. Once money is loaded, you can make a purchase in stores and online anywhere Visa or MasterCard is accepted. Depending on stores, you can get cash back at the register. By using self-checkout cashiers, you don’t have to feel awkward when you get a large amount of cash back with a small purchase. The card does a great job for liquidating Visa/MasterCard GCs.

Pay Bills

You can pay credit cards’ bills. The single transaction is limited $1000. It is not a lot, but if you have another prepaid card that have a bill-pay feature (for myself, AmEx Serve), pay bills with both cards in turn. Paying large bills and paying too frequently with the same card are red flag, anyway. Using multiple prepaid cards to pay bills helps each payment smaller and interval between payments with the same card longer.

Basic / Plus / Specialty / Preferred

which walmart moneycard is right for you

There are four versions of Walmart MoneyCard, but I recommend only one “Preferred”. That’s because “Preferred” is the only version that offers $0 reload fee at Walmart ATM. The others charge $3 for every swipe reloads.

About Fee

monthly fee waiver optionThere is no fee when you load at Walmart ATM, make a purchase in stores, get cash back with purchases and pay bills. The card costs $4 (one-time payment for a personalized card), and monthly service fee is $3. The monthly service fee is waived if you load $500 or more in a calendar month. You can withdraw money at MoneyPass ATMs with no surcharge, but ATM owner fee would be charged. So, I’ve never withdrawn money at ATMs. Just make a small purchase and get as much cash back as possible.

Summery

Walmart MoneyCard Preferred is a great tool to liquidate Visa/MasterCard gift cards. There is no fee to load with GCs at Walmart. And the money in the card can be quickly unloaded by getting cash back with a purchase at stores. And paying bills of your credit cards boosts up your manufactured spending. You can choose between Visa and MasterCard when you apply the card. You can also add a favorite photo to your personalized card for free.

The features I described in this page are only ones I usually use. This is how I use my Walmart MoneyCard. There are more ways to load and unload. For more details, please visit https://www.walmartmoneycard.com/Walmart

Please note that Green Dot is very strict and shutting down account without a notice. To avoid getting shut down, read the post “Green Dot Shut Down my Walmart Money Card Preferred.”