Walmart $500 limits, bill pay, money orders, more…

Last Friday I published “Getting carded at Walmart“.  In that post I described Walmart’s apparent new policies regarding loading Bluebird cards, buying money orders, and paying bills.  In that post, I listed a number of ‘tidbits” I had gathered, and I asked for readers to chime in with their own recent experiences.  Here are the results:

$500 (and smaller) Bluebird loads are fine and do not require extra info.

Confirmed.

You can load up to $1K to your Bluebird card without issue if you load $500 or less at a time, in separate transactions.

Confirmed.

Bluebird (and GoBank) loads at automated Kiosks are not working at all even when the machines appear to be functioning.

FALSE.  Many people have encountered broken or flakey Kiosks, but many also reported recent success with using Kiosks.

Some Walmart stores are no longer allowing loads at regular checkout lanes, but instead require customers to go to the customer service desk.

Many people reported success loading at registers, so it is unclear why it is sometimes not allowed.  This may vary by store or by cashier.

Walmart Bill Pay transactions over $500 are also subjected to rigorous information demands.

Two people confirmed this, but one said he succeeded with a $2000 bill payment.  This may vary by store.

I have yet to hear any reports about Money Order purchases.  Anyone?

Most respondents said that they had no problem buying money orders, but there were a few reports of people “getting carded” when buying money orders.  This may vary by store.

Why we care

Purchasing Visa or MasterCard gift cards can often be a great way to earn points, miles, or cash back.  Often it is possible to buy $500 gift cards with only a $4.95 or $5.95 fee.  And, if you buy at a store where your credit card earns bonus points, you can make a nice profit depending upon how highly you value your credit card rewards.  The trick is figuring out how to use those gift cards once you’ve bought them.  One great way has been to use them at Walmart as debit cards (see Gift Card PINs).  At Walmart, debit cards (and, therefore, gift cards) can be used to load money to Bluebird / GoBank prepaid cards, to buy money orders, or to pay bills (including credit card bills).  All of these options make it possible to earn lots of credit card rewards for very little cost.

Another approach many take is to get a debit card that earns miles or cash back.  One example is the SunTrust Delta debit card that earns 1 mile per dollar.  Such a debit card can be used at Walmart in all of the ways discussed above (reload Bluebird card, buy money orders, pay bills) in order to earn debit card rewards.

For those who go to Walmart just to reload their Bluebird (or GoBank) card, the new rules shouldn’t be much trouble.  Simply limit your loads to $500 per transaction.  Complete multiple transactions if needed.  For those who pay bills or buy money orders, though, the new rules could be a big problem if enforced.

A simpler option

Instead of buying gift cards and unloading them at Walmart, I think it is much easier to buy Vanilla Reload cards, load to Bluebird, and then use Bluebird to pay bills (or transfer money to your bank account).  While reload cards aren’t without their own issues, I find it to be much simpler and more reliable than the alternatives.  Of course, you may not have easy access to stores that sell Vanilla Reload cards (and allow credit card purchases of them), so Walmart may be your best option anyway.

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

More articles by Greg The Frequent Miler »

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56 Comments on "Walmart $500 limits, bill pay, money orders, more…"

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Dave
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I agree it’s easier to buy VR, but the problem I think most people have is that they don’t have the best cards to take advantage of VR. I have about 5 more months of the Citi TY Pref 5x on drug stores, but after that expires, I’m not sure what I’m going to do. It’s probably not worth doing for only 1-2x, IMO. Using Ink at 7-11 for 2x gift cards then visiting WM? I’ll have to think about that one.

Lea
Guest

I agree. I only get 1x for VRs when I can get 2x + fuel points for GCs at the grocery store (which is also a lot more convenient to work/home).

RNP
Guest

Buy Money Order at Walmart

Up to $3000 ($1000 x 3) in one day. However you can come back different time during the day. Up to 4 debit cards can be used per one transaction. Several Walmart requires you to write who you are payable to in front of them, even though they don’t care who you are paying to. That’s my Walmart experience

MileageUpdate
Guest

RNP, If you are intentionally buying just under $3k in MOs each time to avoid filling out the required paperwork by the Feds I would use caution. I think the Govt would have a problem with that.

adam
Guest

Just attempted to load BB at MC Kiosk – everything seemed to be working fine until the “Finish and Pay” prompt when the machine requested security to complete the transaction. I went to the MC desk instead and loaded without an issue.

fauxblogger
Guest

WM BillPay info demands >$500

First name: Fo
Last name: Blogger
Address: 111 Anystreet 11111

Cashier didn’t blink

David
Guest

does anybody know would I be able to load BB online using SunTrust Delta debit card ?

Suzy
Guest

You can load BB online with Suntrust debit BUT only $100 per day with a maximum of $1000 a month (10x a month, only takes a few seconds on the BB iPhone/iPad app)

JakePB
Guest

Well the flakey kiosks shouldn’t be news to anyone. Heck, I’ve tried them in 2 dozen Walmart stores and had it work once! Still worth the UR points, IMO.

stacey
Guest

How about loading BB with GC’s purchased for 5x using Ink? In your experience (or anyone else’s) – do the 5x gift cards bought at Staples or OD work for loading BB? I know it’s only in $200 increments but if they have a pin then you could do 2 x $200 loads per transaction and thus $800/day load for your trip to Wal Mart. Does that sound right?

Dave
Guest

Stacey, you can load those $200 to BB at WM. The main problem is that the kiosk doesn’t work for me more than half the time, forcing me to load at a cashier, which is inconvenient at many levels. I can load 3-4 gift cards of $500 at cashiers, but not 8-10 cards of $200 each.

Dave
Guest

However, you can only load $1,000 a day and $5,000 per month. Correct?

Glenn
Guest

Correct.

Kadence
Guest

One of the WMs near me absolutely refuses to load and debit card to BB unless your name is imprinted on the debit card. They say Amex tell them not to do it. I ask them to just try but they refuse. No problem buying MOs though.
The other walmart near me has no issue w/ loading debits to BB and has never asked for ID.. however I’ve always loaded 500 or less at a time.

smay
Guest

I was unable to buy a money order at WM with debit cards. Will try again and report back. Glad to hear others could do it.

Jack
Guest

Haven’t had a working Walmart kiosk for two months. I think it worked one month out of the last five. My other Walmart removed the kiosk so not much hope for going that route. I can still buy MO without trouble. Can only load BB at money center or customer service, not at cashiers. I don’t see them shutting down MO purchase but my guess is stores will all adopt the more stringent id verification. I don’t blame them if they have seen a big ramp up in money order sales over the last year. They need to protect themselves. I miss the kiosk.

Mark
Guest

Does anyone have any experience loading multiple $100 or $200 Visa GC on the walmart kiosk during one transaction, instead of doing an entirely separate operation for each card? I’m hesitant to try it.

smay
Guest

OK, lunch excursion was a success buying MC. Issue was asking the cashier to load only $500 at a time. Nosey cashier at next register asked if I was using a gift or bank debit card so I had to dodge that but otherwise ok. I also was able to load at kiosk last week in 2 walmarts.

EL
Guest

In Walmart, where do you buy a money order? At a regular cashier?

smay
Guest

At customer service desk.

David
Guest

What does “rigorous information” demands mean? Are still able to use 4 VGCs for a Bill Pay, for example?

What is the downside for providing this information? I don’t quite understand. Thanks!

Ron
Guest

@David – I’ve had no issues – same ol’ information req’d.

Almost positive these “rigorous information” reports come from noobs who are using CSRs who don’t realize they ONLY need to fill out the highlighted screen items, and not all. If they do fill out the entire screen, you will indeed be req’d to give address etc. But gently remind them that only the highlighted boxes need to be filled out…

Scott
Guest

@FM, the VRs are way easier, but when going for 30K spend on PRG gold, its nice to do it at a grocery store. If I could find a gas station to buy VRs in…

JU
Guest

Some of us don’t have access to VRs that can be purchased by CCs. So only GCs are the way to go.

Ken K.
Guest

Walmart seems to have pulled all the Visa and MC debit cards from their stores as well as AMEX gift cards. They say it is due to fraud. I have been buying the Visa debit card at Walmart and loading BB with it at Customer Service almost since BB was introduced. Now, we will have to wait and see if Walmart ever gets the Visa, MC and AMEX cards back in the store.

Dave Z.
Guest

FYI – Discovered last night that if you click the “Walmart MoneyCard” button on the kiosk instead of the “BlueBird” button, and then swipe your BlueBird card, you can still load GC at the kiosk. Enjoy.

justSaying
Guest

Charlie Victor Sierra is less than 1000 yards from my house and always has VR cards…….so it is a no brainer to max out two cards a month………..1.25 per $ ends up costing .632 cents per mile………

luchex
Guest

Well.
Today was the first time they gave me a hard time at target when I tried to use an amex gc to load my amex for target. They told me that you can not load a charge card with a GC. The first person I can of sweet talk into try and it worked but when I came back later to load the other the other person told me no. . I have one that I know will give me trouble, so I’ll have to keep coming back. Ahhh headache. Anyone have similar experience?

Paul
Guest

Yes, common and oft-reported problem.

Toni
Guest

I wanted to chime in and share what the extremely unfriendly Walmart employee told me about doing more than 1 transaction to bypass the whole $500 limit thingy. She said it was called something like stacking or shuffling and that it was illegal and that she wouldn’t do it!

Michael
Guest

While loading $1,000 on my Bluebird at a Walmart in Northern Virginia today, the cashier entered my name, address and phone number in the system. The name and address he had to pull from my drivers license.

Marc
Guest

Anyone have info on buying MO at places other than WalMart with a gift card? I know the Post Office doesn;t work, but what about other places? Walmart is kind of inconvenient for me to get to.

Thanks.

Marathon man
Guest

Hey FM what happened to being the guy who wouldnt out gigs and post too many fine details about things that could get shut or changed— like wmt and gcs?
.
It has been a generally understood silient rule of thumb that such matters should remain on the down low and stay off the front pages of blogs.
.
You really could have and should have written with more cryptic bits on this in my opinion.
.
I am kinda dissapointed 🙁

marathon man
Guest

ahhh… one of the most common responses to my remark… “It’s already been outed so it’s ok” Well no it is not ok. When will it stop? It will not stop if writers THINK that since things are already outed or should be outed they can rehash it and re write it to get hits and also to further expose the gigs. This will die one day. I suspect most writers wont care. Why, even its death will be news to write about. But the users of said gig will suffer so there is no sharing for the common good going on here either. It’s just shameless garble and it’s going to hurt users. Let’s please not write about it again!

Michael
Guest

@marathon man – I’m just wondering, but how did you initially find out about this gig? Did you read about it somewhere or figure it out all on your own?

marathon man
Guest

funny you should ask… I am about to write about that very thing!!
.
I hate the outing of deals in public areas such as this one–it’s like the media.
.
My years of experience (starting working in miles in like 1990, started earning heavily in 2001 and started MSing in the way we know of it now in 2003) reveals many instances where the fact things went main stream is exactly and only why they died. I aint sayin’ I am the end all be all of any of this, but I know what I am talking about!
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The ability to do some miles and points gigs require effort and knowledge that cannot just be acquired in some blog post that gets picked up by other blogs who then make money off the hits while our world crumbles.
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I learned of deals—and shared them too—over time, in small groups, discussions and vetting processes that took us time to work through but made it so quality vs quantity was the means through which it grew. This type of method swiftly reveals it but just as swiftly kills it all too.
.
Why is it wrong to condense this type of thing into one or two blog posts like this? Well, for one reason, people make mistakes and it takes seasoned effort and ‘on the fly’ reactions to work with each instance of doing this, plus a THOROUGH understanding on how things could happen and probably will happen over time to anyone trying it. As well, to work this kind of deal, someone reading this that doesn’t have that experience WILL get hurt and that could hurt us all. Start with something like: The store enacts policies and rules and next thing you know you cannot do it anymore anyway. Why, I just had that happen to me today almost! I go into my local store to do transaction X and the clerk who has seen me a lot before says, “We had some gal in here doing that but she didn’t know how. My manager wanted to void her transaction and send her away but I was able to help her. She got lucky…” Yes she did! And so had I because now, had that manager voided or this clerk was not working, the actions of that gal might have made it harder for ME to do my transaction when I do know what I am doing!
.
So where SHOULD “newbies” get this experience then? How about smaller email groups and PMs, discussions, becoming wise to the ways without exposing them, etc. Not these stupid posts that writers have some compelling reason to tell all about without thinking of the consequences. (actually they know too well that this will bring them readers, which brings them more Chase CC app hits, and thus, money. So they dont care that your miles deal is killed. They make a min of $7k a month writing about it even when they claimed they would not out certain gigs!)
.
I have been doing this type gig for 10 years and so have MANY others, and I have had enough issues come my way that, if I were new to this, I could get SCREWED! There are so many variables that only can be shared in the “simmer” method. Things were WAY easier back then. WAY easier. Why do you think they got harder!?
.
I am all for many people doing this stuff, but you gotta let it seep through, not spurt out like a burst pipe in your walls after a deep freeze! Instead of cheering on the next blogger who outs it, seek out and befriend those who actually DO it! Of course this very controversy we are having here and now IS more hits for the blogger. Oh well. I try to save things…

JustSaying
Guest

In my limited experience if you look up and find yourself in Walmart you are outing yourself into the dark side in the first place……..
as for this blog and its’ descriptions of various strategies, I find the whole approach very refreshing…….I put in my travel folder a hell of a lot more of these than I delete…….but the ones I delete I certainly don’t come on to the comments and become the king of pomp and circumstance………foos faba…………..

Marathon man
Guest

If you everything neat and easy this game aint for you. It requires work and effort. If you cant do that, dont bother with the rest

Paul
Guest

AMEN x 10!

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[…] Miler discussed some changes to Walmart’s transaction limits. Fortunately gift card reloads (processed as debit cards; major form of Bluebird reloads here in […]

JDV
Guest

I have to agree with MM. Perfect example, I figured out on my own that HIGCs bought for 5X at OD could be used to load BB at WM last summer at $500 a pop (read 2500 UR points) – then enter some low-level points blogger to kill the deal a few months later just to impress her followers… I will continue to keep the good hacks to myself.

Marc
Guest

I know that the topic has sort of changed from the original post, but i was wondering if anyone has had success buying money orders with Visa or MC gift cards from places other than Wal Mart.

Thanks.

ABC
Guest

Why don’t you go out and try a few places.

Marc
Guest

Thanks for the helpful tip. Your a real asset to any forum or posting board.

Richard
Guest

I tried to load MC prepaid cards onto a Bluebird card this morning at a Walmart in Massachusetts and the card was declined, both as a credit card and as a debit card. (I had set a PIN.) The person at the customer service desk who as handling it said that “the recently changed out system.”

I have no idea what this means or if she was imply doing something wrong.

Adam
Guest

I’ve had no issues with $500 and $1,000 money orders via VGC at Walmart MoneyCenter (done within the last month)

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[…] Walmart $500 limits, bill pay, money orders, more… – … – Last Friday I published “Getting carded at Walmart“. In that post I described Walmart’s apparent new policies regarding loading Bluebird cards, buying money …… […]

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[…] Walmart $500 limits, bill pay, money orders, more… – … – Last Friday I published “Getting carded at Walmart“. In that post I described Walmart’s apparent new policies regarding loading Bluebird cards, buying money …… […]