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. You can get cash back at regular registers and self-checkout stations (but only at regular registers for personal check payments). Getting cash back at Walmart means you don’t have to look for an ATM, and you avoid paying any applicable ATM fees. Below, we explain the process of getting cash back at Walmart for each payment type.
Getting Cash Back at Walmart
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 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 extremely 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.
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 or self-checkout station.
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 is 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 get withdraw cash even if you don’t have enough money in your account at the time. Our related research lists overdraft limits by bank.
To get cash back using your debit card at Walmart, follow these steps:
- Gather the items you need to purchase and go to the checkout register, ringing up the transaction as normal.
- When it’s 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).
- The machine (whether you’re at a traditional or self-checkout lane) will prompt you to choose whether you want cash back or to continue with your transaction. Select “yes” for cash back and choose your desired amount.
- Confirm your purchase by entering your PIN. If the machine doesn’t prompt you to select cash back, ask the cashier if you can get cash back before entering your PIN.
- Your card will be charged for the full amount — the value of your purchase plus the amount of cash back. The cashier will then give you your receipt and your cash.
When Paying With a Credit Card
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 $100 cash back when you use your Discover Card. And, unlike other credit cards, there will be no fee for your cash back. For more information on cash advances and Discover’s cash-back program, see our research on getting cash back from a credit card.
When Paying With a Personal Check
- Check out at the cash register as normal (you can’t pay by check at the self-checkout).
- When it’s 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.
- Make your check out for the value of your purchase plus up to $20 cash back. Give the cashier your check and show your ID.
- 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.
Other Ways to Get Cash at Walmart
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 it won’t 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 that are printed. The store will 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 check out our related article for more about Walmart’s check cashing policy.
Walmart can give you up to $100 cash back, depending on your payment type. To get more than $100, you can make multiple purchases and request cash back each time. You can get cash back on purchases made with your debit card, Discover credit card, or a personal check, and getting cash back at the register is typically cheaper than making an ATM withdrawal. Why not take advantage of cash back? It’s definitely cheaper than the typical ATM fee.
If there are no Walmart stores near you, or if you prefer to shop elsewhere, we also have the list of other places that offer cash back.
- Walmart customer service (800) 925-6278