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. 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).
You can get cash back in multiples of $20 — meaning you can get either $20, $40, $60, $80, or $100 per transaction.
If you need more than $100 in cash back at Walmart, you can try making multiple transactions and request cash back each time. If you try this, though, you may have to switch registers because each one has limited cash.
We contacted Walmart customer service to find out more about the company’s cash back policy. Representatives were unable to confirm whether or not Walmart charges any extra fees for cash back, and they recommended checking with your local store.
It’s unlikely that you’ll be charged for cash back, but you do have to make a purchase — otherwise, you’ll have to use an ATM.
You can get cash back anytime during regular store hours at your local Walmart.
Debit cards are the most common and reliable payment type for getting cash back.
At Walmart, you can get up to $100 cash back on a debit card purchase at a regular register or self-checkout station. [1]
If you want more than $100, you can make multiple transactions and request cash back each time.
Using this method, you might run into another limit — your debit card’s daily transaction limit. This is typically a limit on the amount of money you can spend and/or the number of times you can use the card each day, and it’s meant to protect against fraud and card theft.
You can consult your debit card agreement to find out how many transactions you are permitted to make per day.
You’ll also be limited by how much money you have in your account. If you select more cash back than is available in your account, your card might be declined.
At most banks, you can opt-in to an overdraft program that allows you to use more funds than you have in your account (up to a set limit), but there is often a fee.
If you’ve opted into one of these programs, you’ll be able to withdraw cash even if you don’t have enough money in your account at the time.
To get cash back using your debit card at Walmart, follow these steps:
Typically, you can’t get cash back at the register when you pay with a credit card. If you can get cash back with your credit card, the transaction will usually be treated as a cash advance.
Cash advances are subject to a fee, and interest begins accruing immediately, rather than at the end of the billing period, as with most credit card transactions.
Before getting a cash advance, you should check your credit card agreement to find the associated rates and fees.
One of the few credit cards that allow cash back is the Discover Card through its “cash over” program. Walmart accepts Discover and participates in the cash over program.
At Walmart, you can get up to $100 cash back when you use your Discover Card. And, unlike other credit cards, there will be no fee for your cash back.
Walmart accepts personal checks as a payment type, and you can get $20 cash back when paying with a check. [1] [2]
Follow these steps:
Some Walmart locations have ATMs in-store. If the ATM isn’t associated with your bank’s network, you’ll be subject to an ATM fee, so getting cash back at the register is probably cheaper, even if you’ll have to buy a small item for the sake of making a transaction.
Walmart also offers check cashing services, but note that it won’t cash personal or handwritten checks. The fee is $4 for checks up to $1,000 and $8 for checks over $1,000 and up to $5,000. Check out our related article for more about Walmart’s check cashing policy.
If there are no Walmart stores near you, or if you prefer to shop elsewhere, we also have the list of where to get cash back.
