Yes, but only at Walmart registers, and the amount depends on which card you hold
The Walmart Credit Card and Walmart Rewards Card both let you request cash back when you pay at a Walmart checkout. You cannot get cash back online, by phone, or at other retailers — only in-store at the register. The maximum amount varies: the standard Walmart Credit Card allows up to $100 per transaction, while the Walmart Rewards Card (the Mastercard version) allows up to $20 per transaction.
Cash back is separate from the rewards you earn on purchases. Getting cash back does not earn you points or cashback rewards — it is simply a way to withdraw money from your account at the register instead of using an ATM. You pay no fee for this service.
This feature works the same way as cash back on any debit card: the register asks if you want cash back after you swipe or insert your card, you enter the amount, and the cashier hands you the money along with your receipt.
Key Takeaways
- Both Walmart credit cards offer cash back at Walmart registers only — not online, by phone, or at other stores.
- The standard Walmart Credit Card allows up to $100 cash back per transaction; the Walmart Rewards Card (Mastercard) allows up to $20.
- Requesting cash back does not earn you rewards points or cashback percentages — it is a separate transaction.
- There is no fee to get cash back, and the money comes directly from your available credit.
- You must complete the transaction at a physical Walmart register; cash back is not available through Walmart.com or other payment methods.
How to request cash back at the register
When you reach the checkout, tell the cashier you want to pay with your Walmart credit card. Hand them your card or insert it into the chip reader, depending on what the register accepts. After the card is processed, the register will ask whether you want cash back.
Enter the amount you want (up to your card's limit) on the keypad or tell the cashier the amount. The register will add that amount to your total bill. You will sign the receipt or enter your PIN, and the cashier will hand you the cash along with your card and receipt.
The cash back amount is charged to your credit card account just like any other purchase. You will see it listed on your statement as part of the transaction total.
Differences between the two Walmart cards
Walmart offers two credit cards: the Walmart Credit Card (a store card that works only at Walmart and Walmart.com) and the Walmart Rewards Card (a Mastercard that works anywhere). The cash back limits differ between them.
| Card | Cash Back Limit Per Transaction | Where It Works |
|---|---|---|
| Walmart Credit Card | Up to $100 | Walmart stores and Walmart.com only |
| Walmart Rewards Card (Mastercard) | Up to $20 | Any store that accepts Mastercard |
The lower cash back limit on the Mastercard reflects the fact that it is a general-purpose card accepted everywhere, not just at Walmart. If you need larger amounts of cash, the store card is the better choice — but it only works at Walmart locations.
When cash back makes sense versus an ATM
Using cash back at Walmart is convenient if you are already shopping there and need cash. You avoid a trip to an ATM and do not pay an out-of-network ATM fee. If your bank charges you for ATM withdrawals outside their network, cash back at Walmart is free.
However, if you need cash and are not shopping at Walmart, an ATM is your only option. Walmart credit card cash back only works at Walmart registers. You cannot use it at other retailers, gas stations, or anywhere else.
If you use the Walmart Rewards Card (Mastercard) at a non-Walmart store, that store's register may offer cash back as well — but that is a feature of the store, not the card itself. Check with the retailer to see if they allow cash back on Mastercard transactions.
Cash back and your credit limit
When you request cash back, the amount counts against your available credit. If your credit limit is $500 and your available balance is $300, you can only request cash back up to $300 (minus the cost of your purchase). The cash back is treated as a purchase, not a separate transaction.
This means if you are close to your credit limit, requesting a large cash back amount could push you over it and trigger a declined transaction. Check your available balance before you ask for cash back, especially if you are making a large purchase at the same time.
Cash back does not earn rewards
The cash back feature itself does not earn you any rewards points or cashback percentages. You earn rewards only on the purchase amount, not on the cash back portion. For example, if you buy $50 in groceries and get $20 cash back, you earn rewards only on the $50 purchase.
This is different from the cashback rewards the Walmart cards offer on purchases. Those rewards are percentages you earn back on what you spend — typically 1% to 3% depending on the card and the category. Cash back at the register is simply a way to withdraw money, not a rewards feature.
Frequently Asked Questions
Can I get cash back if I pay with a Walmart credit card online?
No. Cash back is only available at physical Walmart store registers. Online purchases through Walmart.com do not offer cash back. You would need to use an ATM or visit a bank branch to withdraw cash for online shopping.
What happens if I request more cash back than my available credit?
The transaction will be declined. The register will not process the purchase or the cash back request if the total exceeds your available balance. You can either reduce the cash back amount or use a different payment method.
Is there a fee for getting cash back at Walmart?
No. Walmart does not charge a fee for cash back on either of its credit cards. The cash back amount is simply added to your transaction total and charged to your account like any other purchase.
Can I get cash back at Walmart with the Walmart Rewards Card at a different store?
The Walmart Rewards Card is a Mastercard, so it works at any retailer that accepts Mastercard. Whether that retailer offers cash back is up to them — many do, but some do not. Ask the cashier or check the store's policy before you assume cash back is available.
Does cash back count toward my minimum payment?
Yes. Cash back is part of your total balance, so it counts toward your minimum payment just like any other charge. If you get $50 cash back, that $50 is added to your bill and must be paid back according to your card's terms.