How Much Cash Back Can You Get at Walmart?

Actually having cash isn’t so common these days. Like shopping and banking, money has gone digital. We don’t often need cash, and when we do, getting it can be a pain in the neck.

Luckily, many grocery stores and supermarkets offer free cash back when you make a purchase in-store.

Can You Get Cash Back at Walmart?

Yes, you can get cash back at Walmart. It’s actually one of the easiest ways to get a few extra bills without the hassle of driving to the bank.

A cash-back transaction is when you make a purchase at Walmart, or at another store, and you add a total dollar amount to your purchase that you will be given as your cash-back amount.

So if your total purchase was $25, you might opt to add another $40 to your purchase total. You would pay $65, and then get $40 cash back.

There are different cash-back options and rules for how much cash back you can get. These rules can be set by the retailer or by the bank issuing your debit or credit card. In some instances, there’s even a fee for this service.

How Much Cash Back Can You Get?

It can depend on the store location, but virtually all Walmart stores offer cash back in increments of $20 up to $100. So you could get $20, $40, $60, $80, or $100 back with your in-store purchase.

Your limit depends on the type of checkout machine you use and your payment method.

• Debit card: Get up to $100 cash back using your debit card at a regular checkout line or by using a self-checkout
• Personal check: Get up to $20 cash back when using a personal check as payment at a Walmart location. You must check out in a regular checkout line with a store associate to get $20 cash back.
• Discover card: Get up to $120 cash if you’re using a Discover card to pay at the cash register. Discover sets a daily limit of $120 for cash back and charges no fees for this courtesy. Some Walmart locations will issue up to $120 and others may have a store cap of $100.

How Do You Get Cash Back at Walmart?

The three most common ways to get cash back at Walmart are by using your debit card, personal check, or credit card to pay for the cash-back amount you want on top of the regular purchase amount for your items.

Debit Card

Using your debit card is the easiest, if not the best cash-back method. You can use your debit card at a regular Walmart register or a self-checkout register and get up to $100.

1. Ring up your items.
2. Select “debit card” as your payment method.
3. Insert your debit card into the payment pad.
4. Select “yes” when asked if you want cash back.
5. Select the amount you want back (you’ll be offered $20, $40, $60, $80, or $100).
6. Provide your PIN to confirm.

After this, you will receive your cash. Either the cashier will give you the cash, or at a self-checkout station the $20 bills will be automatically dispensed.

Make sure to select “debit card” and not “credit card” to get cash back from your linked checking account — even if your debit card has a Visa or Mastercard logo.

Personal Check

With debit card purchases, personal checks are much less common, and far fewer merchants will accept a check payment.

Walmart stores, however, will accept a personal check when you check out at a regular register where a cashier rings up your purchase.

1. Check out at a regular check-out lane where an employee rings up your items.
2. Tell the clerk you’ll be playing with a personal check. Let them know you will be writing out an overage amount so you can get cash back.
3. Write out your check for your purchase total, plus the amount of cash you want back up to $20.
4. Give the cashier your check and your driver’s license or other government-issued ID.
5. Fill out your check for the total amount, plus the amount of cash back you want.
6. The clerk will run your check through its check verification system to ensure the validity of the check being presented (i.e., it’s tied to an actual bank account).

If the check is accepted, you’ll receive your cash back with your receipt.

Credit Card

With a Walmart credit card, Walmart MoneyCard, or a Discover credit card, you can get cash back at checkout. The process is similar to debit card checkout.

1. Ring up your items.
2. Select “credit card” as your payment method.
3. Insert your debit card into the payment pad.
4. Select “yes” when asked if you want cash back.
5. Select the amount you want back (you’ll be offered $20, $40, $60, $80, $100, or $120).
6. If required, you’ll be prompted to provide your PIN.

If you pay by credit card and you are not offered the ability to receive cash back, this means your card issuer does not offer this benefit.

Walmart Cash Back vs. Other Stores

Walmart is more flexible in the payment methods it will accept for issuing cash back with your purchase. Still, Walmart does not allow for the highest amount of cash back.

Here’s what Walmart offers compared to other retailers.

Frequently Asked Questions

How much does Walmart charge for cash back?

Walmart does not charge any fees to receive cash back, however, you must make an in-store purchase for at least the minimum dollar amount you wish to receive back. So if you want to get $100 cash back with a debit card purchase, you would need to purchase at least $100 worth of store goods.

Other retailers may charge a fee, ranging from $0.50 to $3.00, to get cash back with your purchase.

Can you get cash back at Walmart with a credit card?

You can get cash back at Walmart with a Discover card as this credit card issuer offers a Cash Over benefit.

Walmart is one store of many that participate in this Discover Cash Over benefit program. You must have enough available credit to cover the cash overage you wish to receive back.

Which credit card earns cash back at Walmart?

You can also earn cash back with a credit card at Walmart through various rewards cards and programs.

• Cash back rewards credit cards that give you 1% to 5% cash back for your purchases at featured categories or merchants. The Capital One Walmart Rewards Mastercard pays 5% cash back for purchases in-store at Walmart or at Walmart.com.
• Cash back rewards programs that offer you a cash-back rebate for making a purchase at partner retail stores. As two examples, Rakuten offers 6% cash back for Walmart.com purchases and Tada offers 2%.

It’s possible to stack up the rewards, too. For example, if you made a $100 purchase at Walmart.com, you could earn $5 cash back by using the Walmart Rewards card and another $6 cash back from Rakuten, amounting to an 11% discount off your total.

What store has the highest cash-back limit?

The highest cash-back limit you’ll find in stores is $300. It may be free to withdraw the first $100 and then a fee for the remaining sum. Or some stores will charge a small fee for any cash-back amount.

Here is a list of stores that offer $300 cash back.

• Albertsons
• Fred Meyer
• Kroger
• Save Mart Supermarkets
• Shoppers Food Warehouse

Keep in mind that not all locations will offer this $300 limit. Smaller stores may have a $100 or $200 cap.

Save Time and Money with Cash Back at Walmart

Walmart stores offer a convenient way to pick up groceries, home goods, and extra cash. You can use Walmart as a free ATM to get an extra $100 cash back with a debit card purchase, or up to $120 if you use your Discover at the register.