Most of us are always looking for a way to combine tasks on the to-list, so instead of shopping at Walmart and then heading to an ATM, you might be wondering how you can get cash back from Walmart.
Let’s find out if you can get cash back at Walmart and, more importantly, how!
Does Walmart Do Cash Back?
Walmart does offer cash back! You can use a debit card, Walmart Credit or Store Card, Discover credit card, or personal check to get cash back at any Walmart checkout desk. While the maximum amount varies per method, you can combine methods to get the most money out at Walmart.
KEY TAKEAWAYS
- Walmart offers cash-back services.
- You can get up to $100 cash back on a debit card purchase at Walmart, and you can do so 3 times in 1 day.
- You can use personal checks, bank-issued debit cards, Walmart Store or Credit Cards, or a Discover Credit Card to get cash back at Walmart.
In this article, we will answer all your questions about cash back at Walmart, including: Does Walmart do cash back on credit cards? Can you combine Walmart cash back methods? How much cash you can get back at Walmart, and so much more!
Does Walmart Do Cash Back on Credit Cards?
Typically, you cannot use credit cards to get cash back at any store, including Walmart; the service is reserved for debit card purchases only.
So, if you’re wondering if Walmart does cash back on credit cards, the answer is no, unless you have a Discover Credit Card, Walmart Credit Card, or Walmart Store Card.
With a Walmart Credit Card and the Walmart Store Card, you can get up to $100 cash back at Walmart stores when you make a purchase of more than $0.01.
Discover credit cards are the only option for cash back on bank-distributed credit cards, and you can get up to $120 back at Walmart if you have one.
How to Get Cash Back at Walmart
In order to get cash back at Walmart from your debit card, Walmart Credit Card, or Walmart Store Card, there are a few different methods you can use.
It’s important to note that with all 4 of these methods for cash back at Walmart, you will first have to make an in-store purchase; however, the total can be as low as $0.01!
As well you can use any of these 4 tactics at a self-checkout or at a cashier’s desk at Walmart after making a purchase.
- Use a debit card: The screen will prompt you to select if you’d like cash back, and you can choose your denomination between $20 and $100.
- Use a Walmart Credit or Store Card: Once again, at any Walmart checkout counter, you can get cash back with a Walmart Credit or Store Card from $20 to $100 after making a purchase.
- Use a personal check: You can even get cash back from a personal check at Walmart, but the maximum is $20.
- Use a Discover card: You can get up to $120 of cash back at Walmart if you have a Discover credit or debit card.
Can You Combine Walmart Cash Back Methods?
Now, if you need more than $100 cash back, don’t worry; you can combine Walmart cashback methods.
How Much Cash Back Can You Get at Walmart?
Technically, you can only get cash back at Walmart three times in one day, but Walmart’s daily cashback limit varies depending on what method you are using to get your cash back.
Here is how much cash back you can get at Walmart for each method:
- Debit Card: $300
- Walmart Credit Card or Store Card: $300
- Personal Check: $60
- Discover Credit or Debit Card: $360
There is almost a minimum cashback amount at Walmart stores; you cannot get $10 cash back at Walmart with any method, as the minimum across the board is $20.
Does Walmart Charge for Cash Back?
One of the great things about getting cash back at Walmart is that there is no charge!
So whether you don’t have an ATM for your specific bank nearby, or you simply want to skip heading to the bank after shopping at Walmart, you can always get your cash back out for free at Walmart.
In case you are going to the Walmart register to get cash back, you also won’t be charged.
Is Walmart’s Cash Back Better Than Competitors?
Now that you understand how cashback works at Walmart, let’s compare its service to its competitors, such as Target, Kroger, and Dollar General.
| Feature | Walmart | Target | Kroger | Dollar General |
| Minimum | $20 | $10 | $20 | $10 |
| Maximum | $300 | $40 | $300 | $40 |
| Personal Checks | No | No | No | No |
| Credit Cards | All | Target Credit Card & Discover Credit Card | Discover Credit Card | Discover Credit Card |
| Fee | Free | Free | $0.50-$3.50 | $1-$2 |
Arguably, Walmart’s cash-back service is better than its competitors as the store never charges for cash back, and you can actually get up to $300 back as long as you make 3 separate purchases.
Conclusion
Walmart offers free cash back services for its customers. You can use a bank-issued debit card, Walmart Credit or Store Card, personal check, or Discover Credit Card to get cash back after making a purchase at Walmart for no additional cost.
The maximum cash back at Walmart for debit cards and Walmart Credit and Store Cards is $100; for personal checks, it is $20; and for Discover Credit Cards, the maximum is $120.
However, you can get cash back at Walmart 3 times in one day, so technically, you can get between $300-$360 cash back in one visit, depending on the method you use.