Can You Get Cash Back at Walmart with a Credit Card?

Walmart offers several ways for customers to get cash back when shopping with a credit card The retailer provides cash back rewards through its Walmart credit cards and allows credit card cash advances at registers in stores. Understanding the cash back options at Walmart can help you maximize rewards and savings

Walmart Credit Card Cash Back Rewards

The Walmart credit card issued by Capital One offers up to 5% cash back on Walmart purchases Cardholders earn

5% back on Walmart.com purchases including Grocery Pickup and Delivery
5% back in Walmart stores when using Walmart Pay for the first 12 months
2% back at Walmart stores, Walmart and Murphy USA gas stations
2% back on dining and travel purchases
1% back everywhere else

The Walmart credit card provides unlimited 1% cash back on all purchases Higher percentages apply to Walmart and other bonus categories each quarter There is no annual fee for the card,

Cash back earned with the Walmart credit card is automatically credited to your statement each month. It can be redeemed as a statement credit or gift cards. There is no minimum redemption amount.

How to Get Cash Back at Walmart Registers

Walmart allows credit card cash advances up to $200 at checkout when making a purchase. To get cash back at Walmart:

Shop for items as usual and proceed to checkout.
When the cashier asks for payment, swipe your credit card and ask for cash back. Specify the amount up to $200.
The cashier will process a purchase transaction for your items plus the cash back amount.
You will receive the requested cash along with your receipt.

The transaction shows up as a regular purchase on your credit card statement. There are no cash advance fees or interest charges.

Getting cash back at Walmart is convenient when you need a small amount of cash. However, avoid excessive cash advances that incur fees and interest on your card.

Limits on Credit Card Cash Back at Walmart

The amount of cash back allowed per transaction at Walmart registers is capped at $200. Some credit card networks also impose daily and monthly limits on cash advances:

Visa – $2,000 daily and $10,000 monthly limit
Mastercard – $3,000 daily and $15,000 monthly limit
American Express – $500 daily and $3,000 monthly limit
Discover – $500 daily and $2,000 monthly limit

Cash advances also count toward your credit card’s overall credit limit. Make sure you have available credit before getting cash at Walmart.

Cash back is only allowed with credit card purchases. Debit card and Walmart gift card transactions do not qualify for cash back at registers.

Cash Back Rewards With the Walmart MoneyCard

The Walmart MoneyCard is a prepaid debit card that offers cash back rewards on Walmart purchases. Cardholders earn:

3% cash back on Walmart.com purchases
2% cash back at Walmart stores and Murphy USA gas stations
1% cash back everywhere else the card is accepted

Cash back is credited to your MoneyCard account monthly and can be accessed at ATMs. There are no minimums to earn or redeem rewards.

The Walmart MoneyCard also allows cash back up to $400 as part of QuickCash service. You can get cash when making a purchase without separate ATM or cash advance fees.

Using Walmart Bill Pay for Cash

Walmart offers a bill pay service that allows you to pay bills and get instant cash. To get cash through bill pay:

Bring your credit or debit card to the customer service desk at Walmart.
Choose the bill pay option and select Cash as the payee.
Enter the amount of cash you want, from $20 to $500.
Make the payment using your card.

You will receive a reference number for the transaction. After going to the cashier, provide the reference number and show your ID to collect the cash.

A bill pay convenience fee of $3 applies for debit cards and $1.50 for credit cards. Cash received through bill pay does not count as a cash advance on credit cards.

Getting Cash With Money Transfers and Money Orders

Walmart offers MoneyGram money transfers that allow you to send cash to anyone with a mobile number or email address. You can also use money transfers to cash out money:

Initiate a money transfer at Walmart and select Cash Pickup as the delivery option.
Choose yourself as the receiver and enter your phone number.
Pay for the transfer with cash, credit, or debit card.

After getting a reference number, you can collect the cash amount at any Walmart store by providing the reference number and ID. A MoneyGram fee of up to $8 applies based on the transfer amount.

Similarly, purchasing a money order made out to yourself allows you to cash it for a small fee at Walmart customer service. This essentially converts the money order to cash.

Pros and Cons of Getting Cash Back at Walmart

Pros

Convenient access to cash when shopping
No fees for credit card cash back at checkout
Accumulate rewards with Walmart credit cards
Useful for small cash needs

Cons

Daily and monthly cash advance limits apply
Cash advances accrue interest immediately
Bill pay and money order fees reduce cash received
Not available with debit cards or gift cards

Getting cash back at Walmart checkout or through rewards credit cards can provide quick access to cash. But use these options only for small amounts to avoid high fees and interest charges on excessive cash advances.

Walmart Policies on Credit Card Cash Back

Walmart has some rules in place for getting cash back with credit cards:

Cash back allowed only with credit card purchases over $1
Debit cards, checks, and gift cards do not qualify
Cash back capped at $200 per transaction
Customer must present the credit card used for cash back
Cash back may be denied if the card is expired or otherwise restricted

Store management also has discretion to modify cash back limits or suspend the service at times. Make sure to carry an alternate payment method in case cash back is unavailable for any reason.

Getting Support With Credit Card Cash Back

If you have issues or questions about getting cash back at Walmart, you can contact support through the following channels:

Speak to customer service at your local Walmart store for assistance with cash back transactions and policies.
Call 1-877-294-7880 for Walmart MoneyCard support and account inquiries.
Contact the number on the back of your Capital One Walmart credit card for assistance with rewards redemptions and card usage.
Initiate a live chat with Walmart Customer Care representatives on Walmart.com for general support.

Understanding the cash back reward rates, limits, fees, and processes at Walmart allows you to take advantage of these services. Consider getting a rewards credit card, using bill pay, or making a small credit card cash advance at checkout to conveniently access cash when shopping. Carefully manage cash advances and utilize other sources when you need larger cash amounts to avoid high interest charges. With some planning, you can maximize the cash back benefits and savings at Walmart.

can you get cash back at walmart with a credit card

Cash back vs. cash advances

Counts against credit limit

How to use a credit card to get cash at an ATM

You can can use a credit card to get cash at an ATM by making a cash advance. A cash advance is a transaction through which you draw upon your credit card’s line of credit to withdraw cash, whether through an ATM or with a teller at a financial institution. Though it can be easy to confuse the two, the main difference between cash back and a cash advance is that cash-back rewards are something that can be earned with certain credit cards. A cash advance is a feature offered by most cards which allows you to withdraw cash. Usually, the amount of cash available for cash advances will be less than your full credit limit available for purchases. In other words, if you have a $10,000 credit limit, you’re unlikely to be allowed to withdrawal a full $10,000 as a cash advance.

According to most industry analysts who watch these kinds of statistics, cash advances have declined in popularity over the past few years. So many merchants accept credit cards, it’s often easier to transact with plastic than with greenbacks, anyway.

BEST Credit Card for Walmart – And it’s NOT Walmart’s own credit card!

FAQ

Can you get cash from a credit card at Walmart?

Links

A convenient way to withdraw cash without using an ATM
Walmart participates in the Discover Cash Over benefit program, which allows you to get cash back at checkout

Can I get cash back at Walmart if I use a credit card?

No, you generally can’t get cash back with a credit card at the register when you buy something, but, as mentioned earlier, you can earn cash-back rewards with a credit card or take a cash advance.

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

Typically, you cannot get cash back at a grocery store when using a credit card. Cash back options are generally available only when using a debit card. However, some grocery stores may allow cash advances on credit cards, but this usually involves higher fees and interest rates.

Can I get a cash refund if I paid by credit card at Walmart?

Debit and credit card refunds will be available in up to 10 business days. If you used a debit or credit card, we issue refunds to that same card. Stores may be able to provide cash for in-store returns. If you don’t have the original card, we’ll put your refund onto a Walmart gift card.

Does Walmart offer cash back?

Short Answer — Walmart offers up to $100 cash back on debit card and Discover credit card transactions. If you’re paying by personal check, you can get up to $20 cash back. Below, we explain the process of getting cash back at Walmart for each payment type. At Walmart, the cash-back limit is $100 for debit card purchases.

Can you get cashback from Walmart using a gift card?

You also cannot get cashback from Walmart using a gift card. The most reliable and widely recommended method for getting cash back is to use a debit card. Arguably, debit card purchases are also the easiest way to get cash back.

Do you get cash back if a check is accepted at Walmart?

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

Does Walmart charge cash back?

The good news is Walmart does not charge any fees itself for getting cash back on debit card or check transactions. You simply get the cash, while the total purchase amount is deducted from your bank account. It‘s free money! However, if you choose to get cash back on a credit card, you will be charged cash advance fees by the credit card company.

Does Walmart give cash back on debit cards?

Yes, Walmart gives cash back on debit card returns. If a customer returns an item that was purchased with a debit card, they can choose to receive their refund in cash back. Does Walmart do cash back on credit cards? Walmart does not do cash back on credit cards. Customers can only get cash back on debit card purchases or returns.

How do I get cash back at Walmart?

Below, we explain the process of getting cash back at Walmart for each payment type. At Walmart, the cash-back limit is $100 for debit card purchases. For checks, the cash-back limit is $20. You can get cash back at regular registers and self-checkout stations (but only at regular registers for personal checks).