Retail

What is Walmart’s Cash Back Limit?

We're putting together an editorial staff that reflects our broad audience and their various financial circumstances. We value and encourage the experiences and perspectives that help us connect with our readers, answer their questions, and win their trust. Please read our disclosure for more information.
Updated on June 1, 2022 by
walmart cash back limits

CommonCentsMom.com is advertiser-supported: we may earn compensation from the products and offers mentioned in this article. However, any expressed opinions are our own and aren't influenced by compensation. The contents of the CommonCentsMom.com website, such as text, graphics, images, and other material contained on this site (“Content”) are for informational purposes only. The Content is not intended to be a substitute for professional financial or legal advice. Always seek the advice of your Financial Advisor, CPA and Lawyer with any questions you may have regarding your situation. Never disregard professional advice or delay in seeking it because of something you have read on this website!

You go shopping at Walmart and pay with a card or check, but you also need some extra cash to take with you on your way out.

Instead of making a trip to a nearby ATM or to a bank, you can just ask for some cash back at the cashier.

The only requirement for getting cash back at Wally World is you must have made an in-store purchase.

First Things First: What is Cash Back?

You may have heard the word “cash back” a couple of times before. It is an interesting word, and it has a lot of different meanings, but we are going to focus on the meaning that applies to the credit card reward system.

The Average Household Income in the...
The Average Household Income in the United States

Cash back is simply the percentage of your purchase price that you get back in cash. You can think of it as the money you are getting back from the retailer. For example, if you buy a shirt for $20, you may be able to get $2 cash back (20% of your purchase price) depending on what kind of rewards cards or gift cards you're using.

In order to qualify for cash back, you do not need to have paid full price. You can get cash back even if your total purchase price is higher than what was originally advertised on the tag or receipt. You will still receive the percentage that was advertised on your receipt or tag.

Among the many stores that offer cashback is Walmart. So, if you're eligible for these cashback rewards, you'd be able to get back a certain amount of cash for your Walmart purchases. This may even apply to other types of credit and debit card purchases, such as for refuels at approved gas stations.

What is Walmart's Cash Back Limit?

So, now that we know what cash back is, how much cash back can you get at Walmart? It depends on the type of card you use and your total purchase amount.

As a general rule, you can get cash back at Walmart in increments of $20, up to a total of $120 in cashback transactions. The limit depends on the payment method used.

  • If you pay with debit card, you can get up to $100 cash back – both from regular cash registers and self-checkout registers.
  • If you pay with personal checks, you can only get $20 cash back, and it has to come from a regular cash register.
  • Finally, Walmart participates in a Discover cashback program. If you pay with Discover, you can get up to $120 cash back from both regular registers and self-checkout registers.

Debit Cards for Cashback

Debit is the easiest way to get cash back at Walmart. It leaves you the option to use whichever register you prefer or is available to you, and you can get up to $100.

The main drawback is that your card might have a daily dollar transaction limit or a limit in the number of transactions. If you are unsure how this fraud-protection measure will affect you, a quick phone call to your card company should resolve the issue.

Also, unless you participate in your bank’s overdraft program, you cannot cash in on a money total greater than what you have in your account. Overdraft programs tend to have a predetermined amount you can take over your account’s limit and a fee.

Getting cashback through a debit card works like this:

  1. Shop. You must be a paying customer.
  2. Checkout at any register.
  3. Run your card as debit.
  4. The machine will ask if you want cashback. Tell it yes. If not, tell the cashier.
  5. Enter your PIN.
  6. Pay for the shopping total with the cashback total.
  7. Receive your cash with your receipt.

One example of a preferred method for getting Walmart cashback via debit cards is by using the Discover Cashback Debit Card. This card comes with an opportunity for you to earn 1% cashback for a monthly limit of $3,000 in purchases. You simply go to Walmart and ask for a cashback while using this card. You also don't need to pay any hidden fees. Perhaps the best thing about using this Discover card is that Walmart is not the only retailer you can apply your cashback benefits to.

Personal Checks for Cashback

Cashback for personal checks is limited to $20, and you can only get it from regular cash registers.

To get your cash back using a personal check, go through this process:

  1. Shop in the store.
  2. Checkout at the regular register.
  3. Tell the cashier that you want $20 cashback.
  4. Write your check for the total for your shopping and your cashback.
  5. Pay for the shopping total with the cashback total.
  6. After verification, receive your cashback with your receipt.

Discover Credit Cards for Cashback

When you pay for your Walmart shopping with a credit card, you need to use Discover to get cashback. You can get up to $120 at any register.

Just like the other payment options, credit cards have a similar process for receiving cash back:

  1. Go shopping.
  2. Checkout at any register.
  3. When the machine asks if you want cashback, tell it yes.
  4. Tell it the amount you need.
  5. Pay for the shopping total with the cashback total.
  6. Receive your cash with your receipt.

Can You Get Walmart Cashback Rewards When Shopping Online?

Aside from having grocery stores all over the US, Walmart also has a mobile app and an official website called Walmart.com. Whether you’re accessing the site or the Walmart app, these platforms will give you the opportunity to shop at Walmart, which will eventually give you cashback.

If you shop online, it’s important to know that you can only get cashback from purchases made on Walmart.com or through the Walmart app. It’s also important to know that most of the credit cards that have a Walmart rewards program won’t give you cash back for other purchases or sales made outside of these platforms, unless they are processed by Walmart.com or through the Walmart app.

The Best Methods for Getting Walmart Cashback Rewards

After listing out the different cards that may be eligible for cashback, it’s time to consider the best ways to get it. As a general rule, the better your payment method is and the less you spend on each purchase, the higher your benefits will be at the end of the day. Aside from generally knowing how to get cashback via credit, debit, and personal checks, you may be wondering which cards and other methods are best to maximize your cash gain.

In order to get the most out of your Walmart cashback rewards, you should use the following methods:

1. By using Citi Cash Cards

One of the ways you can get cashback at Walmart is by using Citi cash cards. Citi is one of the biggest and most reliable rewards credit card companies in the US. If you’re using a Citi card, you can get cashback for Walmart purchases in a couple of different ways.

If you're shopping at Walmart, these cards are eligible for the following rewards:

  • The Citi Double Cash Card. This Citi card with grant you cashback benefits of up to 2% on any and all purchases made at your local Walmart, alongside other stores. As a whole, they’re a great choice for those of you looking for deals on grocery items, such as people with large families. This card has an intro APR of 0% for balance transfers, though this applies for 18 months after the initial signup. Choose the Citi Double Cash Card if you’re shopping at Walmart, and you’ll be able to get up to 2% cashback.
  • The Citi Bonus Cash. This is an addition that you can add to an existing Citi card, such as the Citi Double Cash Card we mentioned before. The Citi Bonus Cash will basically give you extra cashback for your purchases, up to another 2% for any purchases that are approved. To get the most out of this card, you should shop at Walmart regularly.

2. By using the Capital One Walmart Rewards Mastercard

One of the most straightforward ways to get cashback at Walmart is by using the Capital One Walmart Rewards Mastercard. Capital One is one of the most reliable and trusted credit card companies in the US. They have collaborated with many big retail store chains around the US to provide customers with the best deals around, and this includes Walmart itself.

In particular, you can invest in a Walmart Rewards Mastercard released jointly by Walmart and Capitol One. This Rewards card will let you earn up to 5% cashback on purchases at made at the official Walmart website online, as well as in delivery and pickup services. On top of that, you get the usual 2% cashback on regular Walmart purchases. Finally, you get a 1% cashback on any other purchases made. What a deal!

The Capital One Walmart Rewards Mastercard is great for anyone who wants to shop at Walmart, especially if you’re a frequent shopper in there in particular. The card will give you a better deal than you would have with other credit cards, and it will also save you a lot of money in the long run.

Alternatively, you can also make use of the Capital One Shopping browser extension. This extension will automatically scan any website you’re browsing, such as Walmart.com, and let you know of the best coupons and vouchers you can use. It’s a handy way to minimize cost, especially if you’re an avid online shopper.

3. By using Discount Sites and Apps

Do you shop online more often than online? In this day and age, it’s pretty much a given that you do. There are so many different sites and apps out there, and each one offers something different. To solve this rising trend of online shopping, there are many sites, apps, and browser extensions out there dedicated to helping you get the most out of your online shopping.

If you’re using Walmart as your main shopping destination, there are several websites and apps that are dedicated to helping you get the most out of your Walmart cashback rewards.

For example, you can use Honey. Honey is a rewards site that allows you to get cashback on your purchases from various retailers, including Walmart. Honey offers points for online shopping, which can then be used to gain cashback rewards. As a discount software, they'll also let you know of the best vouchers and coupons available in Walmart and other online sites, as you're browsing through them.

You can also use Swagbucks, which is a survey site that pays you to participate in some online surveys in exchange for cash benefits. This comes in a wide range of possibilities, including gift cards and, of course, cashback from Walmart.

Frequently Asked Questions

So, now that you know the basics of how much cash back you can get at Walmart, here are some of the most frequently asked questions.

Do I need a good credit score to have a Walmart Rewards Mastercard?

As is the case with becoming cardholders of many different kinds of credit cards, there are different requirements for getting a Walmart Rewards Mastercard.

If you don't have a bad credit score, you should be able to get the Walmart Rewards Mastercard with a score of around 650. Anywhere under 580 may get denied. If you have had trouble with credit in the past, you may want to apply for a secured card.

What is the best way to get cash back from Walmart?

We’ve given you many different choices, but which is best? How do you get the maximum amount of cash back from your Walmart purchases?

Unfortunately there’s no one-size-fits-all solution. It all depends on what kind of cardholder you are. In general, though, a preferred option for many is by double-dipping or using multiple methods. This is because you can stack up the rewards you gain, for example by owning a Walmart Rewards Mastercard and then also applying discount sites like Honey to get you all the best deals. By doing so, you can get cash back from Walmart as well as other discounts.

Conclusion: What is Walmart's Cash Back Limit?

The cash back option at Walmart locations lets its most loyal customers take advantage of a good cashback offer. It is an excellent way to earn rewards while shopping at Walmart, but you need to know how much cash back you can get at Walmart and how it can affect your credit score.

Walmart’s cashback limit can be $20, $100, or $120, depending on the payment method you use while shopping. But each of these has a simple process to give you the pocket money you need from your checking and credit options.

If any of these cashback options from Walmart doesn’t seem all that good, perhaps try other retail stores and supermarkets such as Walgreens, Amazon, and Costco. You may also benefit from using other means of payment such as Apple Pay and Paypal, and paying attention to the cashback benefits and rewards that these issuers offer.

Hopefully, the information we’ve compiled in this article can aid you in getting the best cashback rewards you can.

(Visited 2,296 times, 34 visits today)

🏔 Read Next 🏔

Best Side Hustles of 2022

The 27 highest paying side hustles you can start today.

View article ➞

The Common Cents Mom Newsletter

Join thousands of curious consumers getting the inside scoop.

[class^="wpforms-"]
[class^="wpforms-"]