What stores accept FSA cards online? In this article, we will show the full list of in-stores and online stores that accept FSA OTC Card.
Online stores to use FSA card – If you have a Flexible Spending Account (FSA), then you know just how convenient it can be to use those pre-tax dollars for qualified medical expenses.
What stores accept FSA cards online—both in-store and online—allow you to pay for eligible items using an FSA Over-the-Counter (OTC) card?
Read More: FSA OTC Card Eligible Meaning
Stores that Accept FSA OTC Card
See the 15 popular retailers and websites that typically accept your FSA OTC card. We’ll also share a few tips on how to make the most of your FSA benefits while you shop.
1. Walgreens
Why Shop Here?
Walgreens is one of the most popular stores that accept FSA OTC card offering a wide range of eligible FSA OTC items: pain relievers, first-aid supplies, feminine care products, and more. Their loyalty program, Balance Rewards, can help you save even more on health-related purchases.
Pro Tip:
Check the price tags in-store or the product descriptions online. Eligible FSA items are often clearly marked to help you stay within your plan guidelines.
2. CVS Pharmacy
Why Shop Here?
CVS has thousands of locations across the country, making it easy to find eligible health and wellness items no matter where you are. From cold medicine to contact lens solutions, CVS carries a vast selection of FSA-approved products.
Pro Tip:
CVS often runs sales and ExtraCare rewards deals on popular OTC items, so keep an eye out for coupons and weekly promotions.
3. Rite Aid
Why Shop Here?
Rite Aid offers a variety of over-the-counter medications, personal care products, and medical supplies that qualify under many FSA plans. If you’re shopping for everyday health items like bandages, allergy meds, and more, Rite Aid is a convenient option.
Pro Tip:
Use Rite Aid’s wellness+ rewards program to save money and earn points on FSA-eligible products over time.
4. Walmart
Why Shop Here?
Walmart is a one-stop shop, offering groceries, household supplies, and healthcare items under one roof. You’ll find an extensive selection of OTC products—from vitamins to pain relievers—to use with your FSA OTC card.
Pro Tip:
Walmart’s everyday low prices can stretch your FSA dollars further. Look for “FSA Eligible” labels when browsing the store or shopping online.
5. Target
Why Shop Here?
Target’s pharmacy and health sections carry a wide array of FSA-approved merchandise, including first-aid kits, prenatal vitamins, and more. With its welcoming stores and modern layout, Target makes shopping for health essentials quick and enjoyable.
Pro Tip:
Target’s “REDcard” offers 5% off most purchases. While you can’t combine that discount at the register with your FSA OTC card directly, you’ll still benefit from overall savings on non-FSA items during the same trip.
6. Sam’s Club
Why Shop Here?
Sam’s Club sells bulk health and personal care products at discounted prices. It’s a great place to stock up on over-the-counter meds, vitamins, and other daily health essentials.
Pro Tip:
Membership is required to shop in-store, but if you’re a frequent bulk-buyer, the savings can be substantial.
7. Costco
Why Shop Here?
Similar to Sam’s Club, Costco is known for its bulk items at lower unit costs. The pharmacy section carries popular brands of OTC medicine, supplements, and personal wellness items.
Pro Tip:
Keep an eye out for Costco’s monthly coupon book. You may find additional savings on the FSA-eligible products you use most.
8. Kroger
Why Shop Here?
Kroger is one of the largest grocery chains in the United States and often has a well-stocked pharmacy department. They typically accept FSA OTC cards for eligible purchases like pain relievers, allergy medications, and first-aid items.
Pro Tip:
Join Kroger’s loyalty program to earn points that you can redeem for fuel savings—perfect if you’re making frequent grocery and pharmacy trips.
9. Publix
Why Shop Here?
Popular in the Southeastern U.S., Publix has a solid pharmacy department and a dedicated area for OTC medications and wellness items. It’s a convenient choice if you prefer to do all your shopping in one place.
Pro Tip:
Publix often runs BOGO (Buy One, Get One) deals on select OTC products, which can help you get more out of your FSA dollars.
10. H-E-B
Why Shop Here?
Texans love H-E-B for its wide range of groceries and exceptional pharmacy services. Here, you’ll find a variety of FSA-eligible items, including personal care products and medical equipment.
Pro Tip:
Check your H-E-B circular for weekly deals on OTC medications. You might find discounts that align perfectly with your FSA shopping list.
11. Albertsons
Why Shop Here?
Albertsons, which operates several regional grocery stores under different names, has a robust pharmacy department. They typically accept FSA OTC cards for eligible medical and personal care items.
Pro Tip:
Keep an eye on the weekly ad for sales on items like bandages, cold medicine, and more. The savings can add up quickly.
12. Meijer
Why Shop Here?
Meijer is a Midwest-based supercenter that allows you to purchase FSA-eligible items in a single trip, from cough drops to diabetic testing supplies. With extended store hours, it’s an ideal spot for late-night or early-morning shopping.
Pro Tip:
Meijer’s mPerks loyalty program offers digital coupons and personalized rewards. Combine deals on FSA-approved items for maximum savings.
13. Hy-Vee
Why Shop Here?
Hy-Vee is a supermarket chain predominantly located in the Midwest. They have a full-service pharmacy and sell over-the-counter medicines and wellness products often covered by FSA OTC cards.
Pro Tip:
Hy-Vee frequently runs health-related community events—keep an ear to the ground for free health screenings or workshops. This can help you stay proactive about your wellness.
14. Amazon (Online)
Why Shop Here?
Amazon makes it incredibly easy to shop from the comfort of your home. They have a dedicated FSA and HSA-eligible section, which includes products like sunscreen, allergy meds, and more. Just look for the “FSA or HSA Eligible” label in the product description.
Pro Tip:
You can link your FSA/HSA card directly to your Amazon account for a seamless checkout experience. Plus, Amazon often features deals or coupons on OTC items.
15. FSA Store (Online)
Why Shop Here?
If you prefer specialized online shopping, the FSA Store (sometimes also referred to as HSA Store) only carries FSA- and HSA-eligible products. This ensures that every single item is qualified for your FSA OTC card, removing any guesswork.
Pro Tip:
Watch out for seasonal sales and clearance items on the FSA Store to stock up on everyday essentials at a fraction of the cost.
Read Also: 16 Stores that Accept OTC Card
Bonus Tip: Checking for “FSA Eligible” Labels
No matter where you shop, look for “FSA Eligible” or “HSA Eligible” labels on products or within product descriptions online. This is often the easiest way to confirm which items you can buy with your FSA OTC card. If you ever have doubts, ask a store associate or contact your FSA plan administrator.
Making the Most of Your FSA OTC Card
- Create a Shopping List: Before heading out or hopping online, note the items you use regularly, like pain relievers, allergy meds, or first-aid supplies.
- Track Your Spending Deadline: Most FSA plans have a “use it or lose it” policy that resets at the end of the plan year. Keep an eye on your balance and purchase deadlines to avoid losing funds.
- Keep Your Receipts: Always hold onto receipts in case you need to verify or substantiate purchases with your plan administrator.
- Check for Plan-Specific Rules: Some FSAs may have unique rules, so double-check your coverage to ensure you’re buying approved items.
Final Thoughts
Your FSA OTC card is a powerful tool to help you manage healthcare expenses while enjoying some tax advantages. By knowing which retailers—both in-store and online—accept your FSA OTC card, you can simplify your shopping experience and make sure you’re using your funds efficiently.
Whether you prefer the convenience of shopping online at Amazon or the FSA Store, or you like browsing the aisles of your favorite pharmacy or supermarket, plenty of options are available. Just remember to look for FSA-eligible labels, keep track of your plan’s deadlines, and savor the peace of mind that comes with knowing you’re using your healthcare dollars wisely.
Happy (and healthy) shopping!