Where to Pay Your Amex Bill: Walmart Not Accepted

The American Express credit card known commonly as Amex is a top choice for many consumers. Amex offers robust rewards programs, purchase protection, and excellent customer service. However, when it comes time to pay your monthly Amex credit card bill, you can’t just head to your local Walmart to do so.

Although Walmart allows customers to pay plenty of bills in-store American Express credit card bills are not one of them. Read on to learn why paying Amex bills at Walmart is not possible plus the easy online, phone, and mail options you can use instead.

Why You Can’t Pay American Express at Walmart

With over 4700 retail locations nationwide Walmart makes paying monthly bills fast and convenient. You can visit any Walmart Customer Service desk or MoneyCenter to pay bills for hundreds of companies.

For a small fee, you can pay car loans, cell phone bills, credit card bills from banks like Capital One, and utility bills at Walmart. So why not American Express credit cards?.

This is because AmEx doesn’t have any physical bank branches or stores. Amex is only a credit card company, so it doesn’t have physical locations where you can pay like a bank would.

Without physical branches, AmEx cannot partake in Walmart’s in-store bill pay service. Your only options for paying an American Express card bill are online, phone, or mail.

Pay Your Amex Bill Instantly Online

The fastest way to pay your American Express bill is through online account access on the Amex website or mobile app. You can log in 24/7 and make one-time or recurring payments.

Click on “Statements and Activity” on the account home page, then pick out your most recent statement and click “Pay Now.” “Enter the amount you want to pay and send the money right away from a linked bank account or another credit or debit card.”

Online payments via Amex’s website or app process immediately and avoid the hassle of writing and mailing checks.

Pay Over the Phone Through Amex Customer Service

Another way to pay your American Express bill is calling customer service at 1-800-472-9297. The line is open 24 hours a day, 7 days a week.

Let the phone representative know you need to make a payment. Provide your account number, payment amount, and which card or bank account to debit for the payment. The agent will process your payment request right away over the secure phone line.

Mail a Payment Check to Amex

If you prefer to mail payments the old-fashioned way, American Express does accept check or money order payments via postal mail.

To mail a payment, make your check or money order payable to American Express. Include your 16-digit Amex account number on the check memo line.

Send your mailed payment to the following address:

American Express
P.O. Box 650448
Dallas, TX 75265-0448

Note that mailed payments take 5-7 days to process and credit your Amex account. Paying online is much quicker.

Consider Paying Other Credit Cards at Walmart

While American Express is not accepted for in-store bill payments, Walmart does allow payments for other major credit card brands.

You can pay your monthly bill at Walmart for credit cards including:

• Visa
• Mastercard
• Discover
• Capital One
• Citi
• Wells Fargo
• Bank of America

If you have multiple credit cards, paying the non-Amex ones at Walmart can still be convenient. Just bring your latest statement or know your account number.

The bill pay service costs $1 for up to $1,000 or 1% of the payment amount if over $1,000. Debit cards, credit cards, cash, and checks are accepted.

Set Up Automatic Payments Through Your Amex Account

For maximum convenience, enroll in auto-pay through your online American Express account. This securely saves your preferred payment method to charge your monthly bill automatically.

No more remembering when the bill is due or logging in to manually submit payments. Automated payments happen like clockwork on your payment due date.

You can opt-out of auto-pay at any time if you prefer to manually pay some months. But it takes the hassle out of consistently paying by the due date.

Avoid Late Fees by Paying Before the Deadline

American Express bills must be paid by the due date on your monthly statement to avoid a late fee. If even one day late, you will incur a $39 late payment penalty.

Set a payment reminder on your calendar or enroll in auto-pay to prevent costly late fees. Amex does not offer an grace period extension like some other credit card companies.

Always pay by the deadline, either the minimum amount due or ideally the full balance. Making late payments also damages your credit score over time.

Can You Pay at a Physical American Express Location?

Like Walmart, there are no American Express physical bank branches for accepting in-person payments. If you have an Amex card issued directly from American Express (not issued through a partner bank), you cannot pay at a local branch.

Some co-branded American Express cards are issued by credit unions or banks. If your Amex card is through a partner financial institution, you may be able to pay at one of their locations.

But for a card issued directly by Amex, you’ll need to use the online, phone, or mail options mentioned earlier. There are no retail store or branch locations to visit.

Ask Amex to Change Your Monthly Due Date

If your current American Express due date does not fit well with your budget, you can request to change it. Contact Amex customer service to ask for a new due date aligned better with your pay schedule.

As long as you’ve made on-time payments for the past 12 months, Amex will happily update your due date upon request. This can make paying bills on time much easier each month.

Convenience and Rewards with American Express

The American Express credit card provides world-class rewards packages, purchase protection, roadside assistance, and premium travel perks.

But paying the monthly bill takes just minutes online or using Amex’s convenient mobile app. No need to drive to Walmart or a bank branch.

Review your account activity and pay American Express bills in seconds through their website. Then get back to enjoying all the premium rewards, benefits, and service that Amex offers its cardholders.