Ultimate Guide to Using Your FSA and HSA Card Online!
Overview
As of 2023, FSA and HSA cards have never been more accepts at retailers and brands online. For the past decade, using your FSA or HSA card online was a massive headache, and you were likely left spending your last hours of the year scrambling online and losing funds left and right. There weren’t a lot of options available, but things have changed! Not only are cards accepted at most online retailers like Amazon.com, CVS.com, Walgreens.com, and FSAstore.com, you can also use your card online at brands like Warby Parker.
FSA Guide has scoured the internet using our benefit card to help create a guide for all shoppers to use! Have a retailer you’d like us to test our card with? Let us know in the comment section below~
Allows You to Split Your Payment Online?
Accepts Card In Store?
A majority of the major retailers that sell health care products in-store will accept most FSA or HSA cards. However, your results may vary depending on your card issuer and the retailer you’re at. Additionally, prepare for a difficult experience when you bring your eligible and non-eligible items to the register. Please be patient when you’re in-store using your benefit card since often times the associates ringing up your register will not know the ins and outs of FSA eligibility or why your card is not working.Â
FSA Deadline Friendly?
Most retailers charge your credit card online for when the item ships. This ends up causing a lot of headaches for both retailers and FSA card holders who are trying to spend the FSA dollars at the end of the year. Depending on when you place your order, you may be at risk if the retailer isn’t able to process and ship out your order before your deadline.Â
At FSA Guide, we consider retailers to be Deadline Friendly when they can do the following:
- Accepts both FSA and HSA cards online
- Charge your FSA card at the moment you place your order
- Offer 24/7 customer serviceÂ
At this time, the only online retailer that FSA Guide considers to be deadline friendly is FSAstore.com and buyfsa.com. They both are dedicated to catering to the unique needs of every FSA and HSA card out there. They charge your card the moment you place your order, and have 24/7 customer service ready to chat with you in case you have any last minute issues. They have a money back guarantee in-case you’re ever declined when purchasing on their site.Â
Now on to the rest of the guide!
FSA Guide's Top Retailers that Accept FSA / HSA Cards Online
FSA Guide's Total Retailer Table
| Retailer | Accepts Benefit Card Online? | FSA Guide Review? | Category | FSA Deadline Friendly? | Allows you to split your payment online? | Accepts Card In Store? |
|---|---|---|---|---|---|---|
Amazon | Yes | Amazon FSA/HSA Store Review! | Retail, Pharmacy | No | Yes | N/A |
Kroger | No | No | Retail, Grocery | No | No | Yes |
Warby Parker | Yes | No | Glasses, Contacts, Retailer | N/A | No | Yes |
Felix Gray | No | No | Glasses, Contacts | No | No | N/A |
Walgreens | Yes | Walgreens FSA/HSA Store Review | Retail, Pharmacy, Contacts, Services | No | N/A | Yes |
Ulta | No | No | Retailer, | No | No | No |
Sephora | No | No | Retailer | No | No | No |
Walmart | No | No | Retailer, Pharmacy, Discount | No | No | Yes |
CVS | Yes | CVS FSA/HSA Store Review | Retail, Pharmacy | No | Yes | Yes |
FSAstore.com | Yes | FSAStore FSA Guide Review | Retail, Glasses, Contacts | Yes | Yes | N/A |
Target | No | Target FSA/HSA Review | Retail | No | No | Yes |
Rite Aid | Yes | Rite Aid FSA/HSA Store Review | Retail, Pharmacy | No | Yes | Yes |
Costco | No | Costco FSA Guide Review | Retail, Grocery, Club, Bulk | No | No | Yes |
Ro | No | No | Retail, Pharmacy | No | No | No |
HSAstore.com | Yes | HSAstore FSA Guide Review | Retailer, Glasses, Contacts, | Yes | Yes | No |
| Vive Health | No | No | Retailer | No | No | No |
| Yes | GlassesUSA FSA/HSA Store Review | Glasses, Contacts, Retailer | Yes | No | N/A | |
Publix | No | Publix FSA/HSA Store Review | Retailer, Grocery | No | No | Yes |
Duane reade | No | Duane Reade FSA/HSA Store Review | Retailer, Pharmacy | No | No | Yes |
BuyFSA.com | Yes | BuyFSA.com review | Online Retailer | Yes | No | No |
| DoorDash | No | DoorDash FSA / HSA Review | Delivery Service | Yes | No | No |
FSA Guide’s Retailer Rating Summary
Drug Stores
Looking for your favorite drug store? Your in luck, most drug stores now accept FSA or HSA cards online or in-store. Some companies do it better than others.
Does CVS accept FSA or HSA cards online or in-store?
Yes, CVS does accept FSA and HSA cards online and in-store. CVS is a great place to use your benefit card, especially if you’re near one of their 9,000+ locations. While that is great, there are a few limitations with using your card at CVS, specifically CVS.com. One of which is that CVS.com suffers from the deadline problem. Because CVS.com charges your card when your order ship, if you are shopping on CVS.com near your deadline you may risk losing your money during the end of the year.
Would you like to learn more tips on how to use your benefit card at CVS? Check out our review here!
Does Walgreens accept FSA or HSA cards online or in-store?
Yes, Walgreens does accept FSA and HSA cards in-store and online at Walgreens.com. However, there are a few limitations.
According to Walgreen’s FAQ, if you are using your FSA card this December 2022, you will need to have placed your order by December, 28 2022 in order to have your card charged before your deadline. If your order has not shipped by January 1, you are at risk of losing your 2022 funds and charging your 2023 card.
Read our review for more tips on how to use your benefit card at Walgreens.
Does Rite Aid accept FSA or HSA cards online or in-store?
Yes, Rite Aid does accept FSA and HSA cards in-store and online at Rite Aid.com. However, there are a few limitations.
According to Rite aid’s FAQ, if you are using your FSA card this December, you will need to have placed your order well in advance of your deadline in order to have your card charged in time. This is because Rite Aid charges your card when the order ships. If your order has not shipped by January 1, you are at risk of losing your funds and charging your new card’s funds.
Read our review for more tips on how to use your benefit card at Rite Aid.
Retailers
Does Amazon accept FSA or HSA cards online or in-store?
Does Ulta accept FSA or HSA cards online or in-store?
No, Ulta does not accept FSA or HSA cards in-store or online at Ulta.com. However, if you happened to buy FSA eligible sunscreen from Ulta, save your receipt and reimburse yourself!
Does Sephora accept FSA or HSA cards online or in-store?
No, Sephora does not accept FSA or HSA cards in-store or online at Sephora.com. However, if you happened to buy FSA eligible sunscreen from Sephora, save your receipt and reimburse yourself! Recently Sephora has made it easy for you to find FSA and HSA eligible items. Read about the latest updates in our blog!
Does BuyFSA.com accept FSA or HSA cards online?
Yes, BuyFSA.com accepts FSA or HSA cards online. They sell over thousands of 100% FSA and HSA eligible items, and they are also “Deadline Friendly” because they charge your benefit card when you place your order. Learn more about BuyFSA.com here!
Does Best Buy accept FSA or HSA cards online or in-store?
Does Walmart accept FSA or HSA cards online or in-store?
Does Target accept FSA or HSA cards online or in-store?
Does Dollar General accept FSA or HSA cards online or in-store?
Does Dollar Tree accept FSA or HSA cards online or in-store?
No, currently Dollar Tree does not accept FSA or HSA benefit cards.
Does FSAstore and HSAstore accept FSA or HSA cards online?
Yes, FSAstore and HSAstore does accept both FSA and HSA cards online. You can learn more about how to use your benefit card there and discover the latest promo codes for FSAstore by reading our latest review here!
Prescription Eye Care Retailers
Does Warby Parker accept FSA or HSA cards online or in-store?
Yes, Warby Parker does accept your FSA card and HSA card online and in-store.
Does GlassesUSA.com accept FSA or HSA cards?
Yes, GlassesUSA.com does accept FSA and HSA cards online. Read more at FSAguide’s review of GlassesUSA.com.
40% off entire order + Free Shipping using code ENTIRE40
Does Zenni.com accept FSA or HSA cards online or in-store?
Yes, according to this help article, Zenni does accept FSA and HSA cards online.
Does Eyeconic accept FSA or HSA cards online or in-store?
Grocery Stores
Does Kroger accept FSA or HSA cards online or in-store?
Currently in 2022, Kroger will accept FSA or HSA card in-store on a purchase of 100% completely FSA or HSA eligible items. You will not be able to pay for everything in one transaction. Kroger also does not accept FSA or HSA cards online on kroger.com. You can read more about Kroger’s FSA card policy here!
Does Publix Accept FSA or HSA cards online or in-store?
According to their website, Publix will accept FSA and HSA cards in-store on a purchase of 100% completely eligible items. You will have to separate your eligible items from your non-eligible items.
Looking for tips on how to use your FSA card at Publix? Check out our quick guide!
Does Trader Joes accept FSA or HSA cards online or in-store?
No, currently in 2024 Trader Joes does not accept FSA or HSA cards online or in-store.
Does Whole Foods accept FSA or HSA cards online or in-store?
No, currently in 2024 Whole Foods does not accept FSA or HSA cards online or in-store. Amazon.com, however will accept your FSA card or HSA card online.
Does Costco accept FSA or HSA cards online or in-store?
No, currently in 2023 Costco does not accept FSA or HSA cards online or in-store. Costco does identify FSA eligible items for customers online, so next time you shop make sure you save your receipt so you can submit for reimbursement. However, there are some tips to finding and using your card in-store. If you would like to read more tips on how to find FSA eligible items at Costco, click here for our Costco review!
Does Sam’s Club accept FSA or HSA cards online or in-store?
Does Wegman’s accept FSA or HSA cards online or in-store?
Currently in 2024 Wegman’s does accept FSA or HSA benefit cards in-store for FSA eligible products if purchased at the pharmacy. Additionally, according to Wegman’s FAQ. does accept benefit cards for same day delivery. That is because their same day delivery pharmacy provider is Instacart, and Instacart now accepts FSA or HSA benefit cards.
Does ShopRite accept FSA or HSA cards in-store?
No, currently in 2024 ShopRite does not accept FSA or HSA cards in-store. They have pulled together a page of FSA eligible products you can find inside of a ShopRite, you can find that page here!
Does Stop & Shop accept FSA or HSA cards online or in-store?
Does HEB accept FSA or HSA cards online or in-store?
Yes, according to HEB’s website currently HEB does accept FSA or HSA cards in-store but not online. Find out more on how to find FSA or HSA eligible items at H-E-B by heading over to our H-E-B guide.
Does Acme accept FSA or HSA cards online or in-store?
Delivery
Does DoorDash accept FSA or HSA Cards?
No, DoorDash does not accept FSA or HSA cards online. If you need to use your FSA card at a drug store that is on DoorDash, you’re better off using it directly with that drug store. Read our review if you’d like to learn more as to why FSA Guide does not recommend using DoorDash to shop with your FSA or HSA card.
Does Uber Eats accept FSA or HSA Cards?
No, Uber Eats does not accept FSA or HSA cards online. If you need to use your FSA card at a drug store that is on Uber Eats, you’re better off using it directly with that drug store.Â
Does Instacart accept FSA or HSA Cards?
As of December 2023, Instacart does accept FSA or HSA cards online.Â
Does Seamless accept FSA or HSA Cards?
No, Seamless does not accept FSA or HSA cards online. If you need to use your FSA card at a store that supports Seamless, you are better off using it directly with that store.Â
Does Grubhub accept FSA or HSA Cards?
No, Grubhub does not accept FSA or HSA cards online. If you need to use your FSA card at a store that supports Grubhub, you are better off using it directly with that store.Â
Does GoPuff accept FSA or HSA Cards?
No, GoPuff does not currently accept FSA or HSA cards online.Â
Payment Methods
Can I add my FSA or HSA card to Apple Pay?
Yes, select benefit card providers, such as HSA Bank, allow you to add your FSA, HSA, and HRA cards to your Apple Pay account.
Can I add my FSA or HSA card to Google Pay?
Yes, select benefit card providers, such as HSA Bank, allow you to add your FSA, HSA, and HRA cards to your Apple Pay account.
Can I use my FSA or HSA card with AfterPay?
No, you cannot use your FSA or HSA card with AfterPay. AfterPay does not accept the benefit card.
Can I use my FSA or HSA card with Affirm?Â
No, you cannot use your FSA or HSA card with Affirm. Affirm does not accept the benefit card.
Can I use my FSA or HSA card with Venmo?
No, you cannot use your FSA or HSA card with Venmo. You cannot venmo your FSA or HSA balance to someone else.Â
Can I use my FSA or HSA card with Klarna?
No, you cannot use your FSA or HSA card with Klarna. Klarna does not accept the benefit card.
very disAPPOINTED that i can not use this at walmart online