Fees, the approval rule for gold, silver and gemstones, what Walmart bans, and how resellers check a piece before they buy it.
Updated November 8, 2026 · By the Margenos team
To sell jewelry on Walmart, you need an approved Walmart Marketplace seller account and new items that follow Walmart's jewelry policy. Fashion jewelry (non-precious metals, cubic zirconia, glass, acrylic and rhinestones) can be listed without extra approval. Jewelry and watches containing precious metals or natural gemstones are restricted: Walmart's Anti-Money Laundering (AML) Compliance team has to approve you first. Walmart charges a 20% referral fee on the portion of a jewelry sale up to $250 and 5% on the portion above $250. Margenos is a Walmart reseller tool (Chrome extension and Android app) that shows whether a product is worth selling on Walmart Marketplace: fees, profit, ROI, sales estimates, every competing seller with stock, the Buy Box winner and the product's price and Buy Box history.
Walmart's published schedule lists Jewelry & Precious Metals at 20% on the portion of the total sales price up to $250, and 5% on the portion over $250. It's one of the highest rates on Walmart, so low-priced fashion jewelry has to be bought cheaply to work. The total sales price includes the item price plus shipping and other charges, and the fee is only charged after a sale. Watches have their own category: 15% on the portion up to $1,500 and 3% above that.
Hypothetical example: a pair of earrings sells for $39.99 with free shipping. The referral fee is 20% × $39.99 = $8.00. A ring that sells for $400 pays 20% × $250 = $50 plus 5% × $150 = $7.50, so $57.50 in total, or about 14.4%. You can check any price with the Walmart referral fee calculator.
It depends on what it's made of. Walmart's jewelry policy splits it like this:
| Type | Status on Walmart Marketplace |
|---|---|
| Fashion jewelry: non-precious metals, rhinestones, acrylic or fake stones, cubic zirconia, glass | Allowed without extra approval |
| Jewelry and watches with precious metals or gemstones, loose gems, bullion | Restricted: needs approval from Walmart's AML Compliance team |
| Natural gemstones, moissanite and lab-grown diamonds | Allowed with restrictions (approved sellers) |
| Items with conflict minerals; Russian-origin diamonds or gold; clarity-enhanced, laser-drilled, fracture-filled or non-Kimberley Process diamonds | Prohibited |
Restricted items must also follow Walmart's other prohibited products policies, including its covered goods rules, or they get unpublished. If you're new, start with fashion jewelry and apply for the restricted category once your account has a track record.
Walmart requires jewelry listings to disclose the metal: its type (gold, silver), purity (14K, 925), how it's applied (solid, plated, vermeil) and weight. Don't misstate the metal, purity or amount, or advertise a false weight or value. In practice that means your listing data has to match the stamp on the piece and the supplier's invoice. "Gold" on a gold-plated chain is a fast way to get an item pulled.
Walmart shoppers lean toward everyday and gift pieces: sterling silver and fashion earrings, birthstone and initial necklaces, men's chains and bracelets, kids' jewelry sets and watches. Demand climbs around Valentine's Day, Mother's Day and the holidays. Because the referral fee is 20% on most of these prices, the winners are usually pieces you can buy for a fraction of the selling price, or higher-priced items where the 5% band above $250 lowers the overall rate.
The full process is in how to know if a product will sell on Walmart, and more categories are in what sells best on Walmart.
Sources: Walmart referral fee schedule for contract categories (updated Mar 9, 2026) · Walmart prohibited products policy: jewelry · Walmart prohibited products policy: overview. Walmart changes its rules; confirm in Seller Center.
Walmart's published schedule lists Jewelry & Precious Metals at 20% on the portion of the total sales price up to $250 and 5% on the portion over $250. Watches are 15% up to $1,500 and 3% above.
Fashion jewelry made with non-precious metals, cubic zirconia, glass, acrylic or rhinestones doesn't need extra approval. Jewelry and watches with precious metals or gemstones, loose gems and bullion need approval from Walmart's Anti-Money Laundering Compliance team.
Walmart prohibits jewelry with conflict minerals, diamonds or gold mined or made in Russia, and diamonds described as clarity-enhanced, laser drilled, fracture filled or deep boiled, or that don't comply with the Kimberley Process.
Yes, if it's new, accurately described and allowed for your account. Walmart only lets invited sellers list pre-owned or open-box items, so used jewelry isn't allowed for most sellers.
Check the profit after the 20% referral fee, shipping or WFS fees and returns, plus the sales estimate and how many sellers are on the listing. Margenos shows those numbers on the Walmart.com listing.
Margenos shows fees, profit, sales estimates, sellers and price history on any Walmart.com listing, in Chrome or on Android. Start your 14-day free trial.
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