Getting cash back on purchases is a quick and easy way to get cash without going to an ATM. Many stores, including Walmart, let customers get cash back when they use debit cards. But can you also use a credit card to get cash back at Walmart?
The short answer is yes, you can get cash back with a credit card at Walmart under certain circumstances. However, the process works differently than with debit cards
How Cash Back Works at Walmart
People who shop at Walmart can get cash back on purchases they make in-store. How much cash back you can get and what kinds of payments you can make show up below:
-
Debit cards – Up to $100 cash back in increments of $20.
-
When you use a Discover card with the “cash over” feature, you can get up to $100 cash back.
-
Checks – Up to $20 cash back.
Customers can get cash back with debit cards or checks by asking for the cash back amount at the register when they check out. Discover is the only credit card company that lets you get cash back through its cash over program.
Walmart does not charge fees for cash back. You must make a purchase to get cash back, with the exception of Discover credit cards that qualify cash back as a purchase, not a cash advance.
Getting Cash Back With a Credit Card at Walmart
The ability to get cash back with a credit card is very limited at Walmart. The only credit cards accepted for cash back are Discover cards.
Here are the key things to know about getting cash back with a Discover credit card at Walmart:
-
Up to $100 cash back – The cash back limit per transaction is up to $100. This is the same limit as debit cards.
-
No fees – Discover does not charge cash advance fees or interest for cash back transactions. The cash back shows up as a purchase on your statement.
-
Available at checkout – Request the cash back amount when paying with your Discover card at a Walmart register. Cash back is not available at self-checkout lanes.
-
May vary by location – Some Walmart locations may set lower cash back limits for Discover cards, such as $60. Check with your local store.
-
Multiple transactions – You may be able to get more than $100 per day by making multiple smaller transactions and requesting cash back each time.
The cash back option with Discover cards provides an easy way to get cash when shopping at Walmart, with no fees involved. Just keep in mind the program is only for Discover cardholders.
Why Most Credit Cards Don’t Offer Cash Back
The reason most credit cards don’t allow cash back at the register is that it’s treated as a cash advance, rather than a normal purchase. Cash advances with credit cards involve fees and higher interest charges.
When you get cash back with a credit card, the card issuer is essentially advancing you cash on credit, the same as with a cash advance from an ATM.
Cash advance fees are typically around 5% of the amount, or $10 minimum. Cash advance APRs are also higher, usually over 20%.
So getting $100 cash back on a credit card could incur a $10 fee and start accruing 20%+ interest right away. This makes cash advances expensive, so card issuers discourage using them.
That’s why the Discover cash over program at Walmart is unique. It waives the fees and treats cash back as a purchase instead of a cash advance.
Other Ways to Get Cash at Walmart
If you don’t have a Discover card, there are a couple other options for getting cash when shopping at Walmart:
-
Debit card cash back – Getting up to $100 cash back with a debit card is the most straightforward option. Just request it when checking out.
-
In-store ATMs – Many Walmart locations have ATMs inside where you can withdraw cash. This will likely incur ATM fees unless it’s a machine run by your own bank.
-
Check cashing – You can cash checks up to $5,000 at Walmart customer service desks for a fee. Certain types of checks may not be accepted.
-
Walmart MoneyCard – This prepaid debit card can be loaded with cash at Walmart registers and used to make purchases and withdrawals.
Tips for Getting Cash Back at Walmart
Follow these tips to smoothly get cash back with your credit or debit card at Walmart:
-
Know the limits – $100 for debit/credit per transaction, $20 for checks. Plan multiple smaller transactions if needed.
-
Have your photo ID ready – Required to verify your identity when getting cash back.
-
Request cash back early – Ask for it before completing the payment to avoid problems.
-
Use a checkout lane, not self-checkout – Cash back with credit cards is only available at staffed registers.
-
Be aware of daily limits – Your debit card may have a daily cap on transactions that can impact multiple cash back requests.
-
Mind your available balance – Make sure your account has sufficient funds to cover both the purchase and cash back amount.
-
Watch for fees – Getting cash with an out-of-network ATM or check cashing incurs fees.
The Bottom Line
Getting cash back using your Discover credit card is possible at Walmart and offers a convenient way to access cash when shopping. Just remember it only works with Discover cards, not other credit card brands. Debit cards and checks continue to be the most widely accepted options for getting cash back at Walmart.
Cash Back Limits at WalmartWalmart has set specific limits on how much cash back customers can receive in a single transaction. These limits are designed to ensure that there is enough cash available for all customers while maintaining security protocols.
What is Cash Back and How Does it Work at Walmart?Cash back is a service that allows customers to receive cash when making purchases with their debit cards or certain credit cards. This service provides the convenience of accessing cash without needing to visit an ATM or bank, which can save time and potentially avoid additional fees.
Get maximum cash back at Walmart. Up to 6%. [Best credit cards for Walmart]
FAQ
Can you get cash back with a credit card at Walmart?
At Walmart, the process for getting cash back is straightforward. When you make a purchase using your debit card or eligible credit card, you will be prompted by the payment terminal to select if you want cash back. You can then choose the amount you’d like to receive within the store’s specified limits.
Can you get cash off a credit card at Walmart?
You may use your account for purchases from Walmart locations and from any merchant that accepts MasterCard credit cards. You also may use your credit card for quick cash advances that we may offer at participating Walmart owned registers (not at registers in leased departments) in Walmart stores.
Can I get a cash refund if I paid by credit card at Walmart?
We’ll send the refund to the same debit or credit card you used to pay for the item. If you don’t have the original card with you or can’t scan the receipt, your refund will be put on a Walmart gift card or shopping card.
Can I get cash back at a store with a credit card?
Generally, you cannot get physical cash back from a store using a credit card, unlike with a debit card.