So what is the cash back limit at Walmart using various payment methods?
Cash back, sometimes known as cash over or cashback, means stores will give you cash back when you check out. It’s a well-loved method of getting cash because it means avoiding ATM fees. While you’ll still have to buy something to get the cash, you’ll be able to keep what you buy rather than losing the money to an ATM fee. In this article, we’re looking at how cash back works at Walmart – including…
Can you get cash back with a debit card at Walmart?
Can you get cash back with a credit card at Walmart?
Can you get cash back at Walmart using a check?
What’s the cash back limit at Walmart?
How else can I get cash at Walmart (besides using an in-store ATM)?
With What Methods Can I Get Cash Back at Walmart?
How to Get Cash Back at Walmart Using a Debit Card
Getting cash back with a debit card is simple.
- Take your purchase (which can be as small as a pack of gum, providing there is no minimum payment necessary to use your debit card – which is rare) to the cash register at Walmart. Most self-checkouts allow for cash back however certain locations have self-checkout machines that do not offer this option. The only way to know for certain if you can get cash back using the a self-checkout lane at a certain Walmart is to call ahead or give it a try. For the guaranteed method, go to a human checkout lane.
- Swipe your card and the card reader machine will ask if you’d like cash back
- You’ll pay pay for your purchase and the cash back in one transaction (i.e. $0.60 plus $60 cash back means your card will be charged $60.60)
- The extra $60 will given to you in cash (you choose the denomination of the bills)
- Your bank account will be debited the full amount
How to Get Cash Back at Walmart Using a Credit Card
As credit cards are usually not designed for cash withdrawals, you won’t normally find this option when swiping them in-store. And if they do, most charge a cash-advance fee which begins accruing interest right away. This is a very expensive option and typically far more expensive than just paying an ATM fee.
But if your credit card does allow cash withdrawals, it’ll work in the exact same way as with a debit card (see above).
One such credit card that does allow you to get cash back (and at no extra cost!) is with Discover. Using a Discover card, you can get cash back at tons of stores: Walmart, Sam’s Club, Albertson’s, Kroger, Dollar General, Food Lion, ShopRite, etc (see complete list below). Again, there are no additional fees when getting cash back with this card.
How to Get Cash Back at Walmart Using a Check
To get cash back when paying by check, you simply need to write your check for the amount of your purchase + the amount of cash back you’d like up to $20. You cannot get more than $20 in cash back using a check at Walmart. To get more cash back, you either need to break up your purchase into multiple transactions and get $20 back with each purchase or you need to use a different payment method.
What Will It Cost to Get Cash Back at Walmart?
Getting cash back at Walmart via a debit card or check (and sometimes even with a credit card) is free.
Why again should you get cash back at Walmart? Well, some people prefer to buy something and get cash back with their purchase, rather than spending the money on ATM fees and commissions. It’s also more convenient and cheaper than potentially having to drive to an ATM. Cash back is simple.
The only scenario where you might be charged is if you get cash back on a credit card, for which your card provider will determine the fee/interest rate.
How Much Cash Back Can I Get from Walmart?
There is a maximum cash back limit at Walmart of $100 while using a debit or credit card. For checks, the cash back limit is $20. (Note that it’s technically up to individual Walmart stores to set the policy for cash back limits, so the restrictions may be different at your local store. We recommend asking a cashier about the maximum cash back limit at that location to be certain.)
This can be issued 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, make separate transactions. The only problem you may run into is hitting your credit limit or hitting your debit card transaction limit for the day.
Is There a Limit on Cash Back I Can Get?
The cash back limit is imposed by your card! This means you can get $100 cash back at Walmart per transaction (which, again, may vary by Walmart location), but you can make multiple transactions until your card shuts you off. Getting $500+ cash back is entirely possible with five separate transactions, for instance.
You’ll also be limited by how much you have in your account (although if you have an arranged overdraft you’ll be able to get cash back even if it takes you into that).
You’ll also be limited by exactly how much cash in in the register. You may have to go to a different register to keep withdrawing cash.
For more details on withdrawing larger sums of money, check out our post about how much cash you can get from an ATM.
Does This Same Cash Back Method Work at Other Retailers?
Yes! It works virtually the same at most major retailers and even some smaller ones. The amount you can receive will be different – sometimes more, sometimes less than Walmart. Some places will even let you withdraw in other multiples of cash, not just $20 increments.
Here’s a List of Stores That Offer Cash Back:
- Village Super Market
- Food Lion
- Glen’s Markets
- Giant Eagle
- Quality Food Centers
- Turkey Hill
- Food 4 Less
- Big Y
- Fred Meyer
- Dollar General
- Cub Foods
- Shaw’s & Star
- D&W Fresh Market
- Pay Less
- Metro Market
- Spartan Stores
- Sam’s Club
- Bristol Farms
- Baker’s IGA
- Tom Thumb
- Army & Air Force Exchange Service
- Family Fare Supermarkets
- Shop ‘n Save
- Fry’s Food Stores
- Super One Foods
- Pick n Save
- Casey’s General Store
- Farm Fresh
- King Soopers
Should I Always Get Cash Back Instead of Using an ATM?
Yes, if you must otherwise pay foreign ATM transaction fees and/or must drive to an ATM. This method of getting cash at the checkout is more convenient than the other options: going to an ATM or going to a bank.
One pitfall for many is not planning ahead. They may need quick cash so they think to go to an ATM rather than to stop in a store and buy something they would normally buy anyway – like a pack of gum, a bottle of water, etc.
Finally, many people simply forget about getting cash back at stores such as Walmart. But not you!
How Else Can You Get Cash at Walmart?
Besides using an in-store ATM, you can always get cash at the Customer Service desk. A fee of $3 is applied to get cash up to and including $1,000. The fee goes up to $6 if you want over $1,000 but $5,000 is the maximum. Although this method has a cost associated, it is easier and faster than making multiple transactions get get more than $100 in cash back. Though at these rates, you may just as well use an ATM.
Final Thoughts About the Cash Back Limit at Walmart, Methods of Getting Cash Back and Why More People Don’t Do It
The cash back limit at Walmart is $100. To get more than $100, simply purchase your items with separate transactions. Can you get cash back with a credit card at Walmart? With a Discover card, yes. But most cards don’t allow cash back. Can you get cash back with a debit card at Walmart? Yes. Just remember to watch out for maximum cash withdrawal limits your bank imposes. Can you get cash back with a check at Walmart. Yes. Getting cash back at Walmart is a great idea – more people should take advantage.