How to use FSA or HSA Card on Amazon

***UPDATED: As of 6/20, Amazon is now able to accept FSA or HSA cards. Assortment appears to be very limited, so keep that in mind the next time you need to use your benefit card! 

Click here to shop the Amazon FSA store!


**UPDATED: As of 6/12/2023, Amazon is NOT accepting FSA or HSA cards for eligible items on Amazon users appeared to start having trouble using their cards as early as 6/9 according to their customer service page. FSA Guide will provide an update once we find out if this is a permanent change. This appears to be affecting all FSA and HSA benefit cards, and is not specific to any company like Paychex, Wageworks, or Humana.

Customer complaints that FSA/HSA cards no longer work on Amazon SOURCE:

Looking for other retailers that accept your FSA or HSA card online? Check out our recommendation guide! In desparate need of a shopping app? Try the BuyFSA App, the only app 100% dedicated towards FSA and HSA card shoppers.

Do you have an FSA or HSA card? Wondering how you can save even more money by using your FSA or HSA card on Amazon? Well you’re in luck, you can now find all of your favorite FSA and HSA eligible items on Amazon such as shoe insoles, sunscreen, acid reflux medicine, and more! With the largest selection of items online, at every day low prices, you can save BIG using your FSA or HSA card on Amazon.

 Looking for Amazon’s FSA / HSA eligible products? Go straight to their category here! Or check out my blog posts on what to buy!

How do I add my FSA or HSA card to my account?

If you are looking to add your FSA or HSA card to your account, you first need to go to your “My Account” page and click on “Your Payments”. To avoid running into issues where you use your FSA or HSA card for non-approved transactions, make sure this is NOT your default card. 

Where do I find FSA or HSA eligible items on Amazon?

There’s many ways to discover FSA or HSA eligible products on Amazon. I will go over four ways to discover eligible items:

  • “FSA or HSA Eligible” Item Flag
  • Search
  • Filtering Menu
  • Category

“FSA or HSA Eligible” Item Flag

Amazon has made it very easy for you to discover FSA or HSA eligible items wherever you are on the site. Amazon flags all applicable eligible items with an “FSA or HSA eligible” flag as you can see in the image above. If an item doesn’t have this flag, it doesn’t necessarily mean that it isn’t FSA eligible, it just means that it isn’t on Amazon’s internal FSA / HSA eligible item list. 

If the item doesn’t have a flag but you believe it is an FSA eligible, you may use your default payment method (non-FSA / HSA card) and file for reimbursement with your benefits manager. 


One of the ways you can find FSA / HSA eligible items is to search for what you want + adding the word “FSA” or “HSA” in front of it. Additionally, you can also search + click on the “FSA or HSA eligible” filter on the left side of your page. Using the filter ensures that all of the items you are looking at are on the eligibility list, as opposed to items that may have squeezed their way into a search that aren’t FSA / HSA eligible. 


Filtering Menu



Another easy way to discover FSA / HSA eligible items is to search for your favorite health and wellness brands or products on Amazon, and looking for this “FSA or HSA Eligible” filter on the left hand side. If you don’t see it, that means the products you’re looking for are not on Amazon’s internal FSA / HSA eligible product list. 

Amazon’s FSA / HSA Category

Amazon has also created their own FSA / HSA store for customers to use. It’s a little hard to get to, but if you’re searching for it on Google or on Amazon, there is a chance that you’ll land here. They have broken out some of the most popular FSA / HSA eligible product categories to help you navigate through the page. This makes it easy to discover what items or categories are FSA eligible.

You can navigate to this category by searching for “FSA Eligible” on Amazon. Or you can Navigate to the Health & Personal Care category to find the category (see screenshot below). 

How do I pay for FSA or HSA eligible items on Amazon?

Once you have your FSA / HSA eligible items in your cart, and you have your FSA / HSA card saved in your Amazon wallet, you’re now ready to complete your purchase! Amazon will be able to directly take your purchase and debit the funds out of your account! If you have a bunch of items in your cart, Amazon will tell you how much money they are able to take out of your FSA / HSA card. The total should match the value of your eligible items in your cart. 

As you can see above, I have ordered an olympic weight lifting bar and a roll of KT Tape Pro (great for joint support and pain relief). The KT Tape would be the only item eligible to be used with my FSA card. Amazon identified that $14.98 of my order will be applied to my FSA card, and the rest will be my other credit card stored on my account. 

Can I use my FSA card on my deadline?

Short answer, yes. However, it is risky to use your FSA card on Amazon if you’re shopping on your deadline. This is because Amazon charges your card when the item ships. So say you have a 12/31 deadline and would like to exhaust your FSA funds before they expire at midnight. If you use your Amazon card for this purchase and your order ships out on 1/2, the funds from your new plan will be charged instead of your old plan year. You can read more about this in their FSA FAQ here. 

To ensure your purchase is made in the proper plan year, it is important that you plan ahead of your deadline day and ask your benefit plan administration for more information. I recommend using your credit or debit card on Amazon if you are shopping on deadline day, or visiting a store that accepts FSA cards near you. You can also use since they are one of the only online retailers that charge on your deadline. 

Additional FSA / HSA Questions?

For any additional questions you may have regarding using your FSA or HSA, please check out my FAQ! Drop a comment down below if you have any questions or feedback!

11 thoughts on “How to use FSA or HSA Card on Amazon”

  1. Hello! … Can you tell me why my HSA card appears in my wallet, but the check box is gray-out so that I am unable to check it? I have nothing else in my cart but some Calcium supplements. (And I just paid a medical bill with the HSA debit card, so I know it’s otherwise working.) Thank you so much for any counsel you can offer! —Amanda

    1. Hi! … Can you tell me why my FSA card appears in my wallet, but the check box is gray-out so that I am unable to check it? I have nothing else in my cart but a ice machine for shoulder surgery recovery. (And I just paid a copay with the FSA debit card, so I know it’s otherwise working.) Thank you so much for any counsel you can offer!

    2. Hey Amanda,

      Calcium supplements are typically not FSA or HSA-eligible. Is amazon telling you that they are?


      – FSA Guide

  2. I have found that nothing seems to be FSA eligible now at Amazon. I used to purchase Allegra, Aleve, Bc Powder and Benedryl on Amazon using the FSA card. As of just the last few days the FSA selction box is greyed out. This is something new going on here with Amazon.
    I just used my card at Walgreens with no problem.


    1. Hi — It appears that you are right, Amazon is not currently accepting FSA or HSA cards from any benefit card provider at the moment. There have been a fair number comments on their customer support pages from customers. It started sometime last week.

      As I work on updating this article, if you need recommendations on other places to shop, lately I have been using the BuyFSA shopping app

  3. Amazon does not seem to be accepting FSA now. I used to purchase Allegra, bc powder and benedryl using the FSA card. Now when I try to use the FSA card for these items the selection box is grayed out.
    I just used the card at Walgreens so not a problem with the card. Something is going on with Amazon

  4. I just noticed this issue too. Has there been any response from Amazon about this, or is it all just from consumers who are now unable to use HSA/FSA cards on Amazon? Curious if this is permanent and also why this change even happend.

    1. Hi — thanks for writing

      They fixed the issue 2 days ago but there were very little details provided by Amazon as to what happened. It looks like they tried to upgrade the feature, but now there are less items available with the card.

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