What is the cash back limit at Walmart using various payment methods?

Cash back is the option to pay more than the price of your purchase and have the retailer return the difference to you as cash. It’s a well-loved method of getting quick cash because it means not having to find an ATM and is typically free. Stores almost never charge customers who want cash back. In this article, we’re looking at how cash back works at Walmart.

In This Article

What’s the Cash Back Limit at Walmart?

Generally, there is a maximum cash back limit at Walmart of $100 on debit purchases. For checks, the cash back limit is $20. Cash back 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, you can try making multiple transactions, and request cash back on each. You might have to switch registers if you try this because they can run out of cash.

To find how to get cash back with each payment type, and what restrictions and limits apply to that payment type, read on!

When Paying with a Debit Card

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, and $60 if you pay with debit at the self-checkout.

If you want more than $100 or $60, you can make multiple transactions, and request cash back on each. With this method, you might run into another limit — your debit cards’ daily transaction limit. This is typically a limit on the amount of money you can spend on the card each day and is meant to protect against fraud and card theft.

You’ll also be limited by how much money you have in your account. If you select so much cash back that the total amount of your purchase plus the cash back is more than the money 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 some set limit). If you’ve activated this service on your account, you’ll be able to get cash back even if you don’t have that money in your account, as long as you stay under the overdraft limit. You can learn more about overdrafts in our article, How Much Can I Overdraft My Checking Account?

Getting cash back on your debit card purchase is simple:

  1. Head to the register to check out and ring up your purchase like normal.
  2. When its time to insert your card, be sure to run it as debit (if you are paying with a debit card, but select credit on the machine, you might not be able to get cash back).
  3. The machine (whether you’re at a traditional checkout lane or the self-checkout) should ask whether you want cash back. Just select yes and the amount and confirm your purchase by entering your PIN. If the machine doesn’t ask you whether you want cash back, ask the cashier if you can get cash back before confirming your purchase by entering your PIN.
  4. Your card will be charged for the full amount — the value of your purchase plus the amount of cash back. The cashier will give you your receipt and your cash.

When Paying with a Credit Card

Usually, you can’t get cash back when paying with a credit card. Both the bank that issued your card and the store usually don’t allow it. If you do 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.

One of the few credit cards that allows cash back is the Discover Card through its cash over program. Walmart accepts Discover Card and participates in the cash over program. At Walmart, you can get $60 cash back when you use your Discover Card. And, unlike other credit cards, there will be no fees for your cash back.

Like debit cards, credit cards also have spending limits. Credit card limits are usually monthly, rather than daily, and if you hit your limit, your transaction might be declined and you won’t be able to get cash back.

When Paying with a Personal Check

Walmart accepts personal checks as a payment type, and you can get $20 cash back when paying with a check. To get cash back, following these simple steps:

  1. Check out at the cash register as normal (you can’t pay by check at the self-checkout).
  2. When its time to pay, ask the cashier if you can pay with a personal check and get cash back. To pay with a personal check, you’ll need to show a government-issued, photo ID.
  3. Make your check out for the value of your purchase plus the $20 cash back. Give the cashier your check and show your ID.
  4. The cashier will scan your check through a check verification service to protect against fraud. Walmart uses either Certegy or TeleCheck. Provided the system doesn’t reject your check, the cashier will give you your receipt and your cash back.

How Else Can I Get Cash at Walmart?

Some Walmarts have ATMs in-store that you can use to withdraw cash. If the ATM isn’t associated with your bank, you’ll be subject to ATM fees, so getting cash back it probably cheaper, even if you’ll have to buy a pack of gum or other small item just for the sake of making a transaction.

Walmart also offers check cashing services, but they will not cash a personal check. Walmart will only cash cashier’s checks, government checks, insurance settlement checks, payroll checks, tax refund checks and 401(k) or retirement distribution checks. They’ll never cash a check that’s handwritten. The fee is $3 for checks up to $1,000, and $6 for checks over $1,000 and up to $5,000. You can find out more about check cashing at Walmart in our article, Walmart Check Cashing Policy: Hours, Limit, Fees, and More.

Similar Stores That Offer Cash Back

Lots of stores like Walmart give cash back, and the process is generally the same. The amount you can receive will be different — sometimes more, sometimes less than Walmart. Here are similar stores that offer cash back:

1. Albertsons

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash back limit: $100 to $300 (varies by store) on debit card transactions, $120 on Discover credit
  • Find an Albertsons near you

2. Aldi

3. Food Lion

  • Accepted payment methods for cash back: Debit card and personal check
  • Cash back limit: $200 on debit card transactions, and $50 on personal checks
  • Find a Food Lion near you

4. Hannaford

  • Accepted payment methods for cash back: Debit card, Discover credit, and personal check
  • Cash back limit: $100
  • Find a Hannaford near you

5. JayC

  • Accepted payment methods for cash back: Debit card, Discover credit
  • Cash back limit: $100
  • Find a JayC near you

6. Jewel-Osco

7. Giant Eagle

  • Accepted payment methods for cash back: Debit card, personal check
  • Cash back limit: $50 on debit card transactions, $30 on personal checks
  • Find a Giant Eagle near you

8. Kroger

9. Meijer

  • Accepted payment methods for cash back: Debit card, personal check
  • Cash back limit: $50 on debit card transactions, $25 on personal checks
  • Find a Meijer near you

10. Publix

11. Safeway

12. Save Mart Supermarkets / S-Mart

  • Accepted payment methods for cash back: Debit card
  • Cash back limit: $200 to $300 (varies by location)
  • Find a Save Mart near you

13. Shoppers Food Warehouse

14. ShopRite

  • Accepted payment methods for cash back: Debit card, Discover credit
  • Cash back limit: With debit $200; with Discover credit $120
  • Find a ShopRite near you

15. Target

16. Winn-Dixie

None of these stores cut it for you, or looking for a store that’s not like Walmart? We’ve written several other helpful articles about getting cash back:

In Summary

The cash back limit at Walmart is $100, $60, or $20, depending on your payment type. To get more than $100, you can make multiple purchases and request cash back on each. You can get cash back on purchases made with your debit card, Discover credit card, or a personal check. Why not take advantage of cash back? It definitely cheaper than the typical ATM.