How to Get Cash Back at Walmart 2023 [Complete Guide]

Last Updated on September 22, 2023

This article reveals how to get cash back at Walmart. Although cashback is an excellent reward, it is a strategy by Walmart to retain you as their customer.

Walmart cashback works with debit cards when buying things. You will select the debit, enter your PIN, and the cash amount, typically $20 to $100.

You can get more than $100 but you have to split your purchases or keep buying drinks or packs of gum. You can earn up to $300 in 24 hours of shopping from Walmart.

Note that your bank may add additional service charges. If Walmart charges you, check the screen for it.

How to get cash back at Walmart

In this section, you will discover some of the ways you can earn Walmart cash back. Below are the ways to get cash back at Walmart:

1. Capital One Walmart Rewards Card

With the Capital One Walmart Rewards Card, you can earn up to 5% cash back on the Walmart website, this also includes pickup and delivery. You pay a $0 annual fee.

If you do not get approved for the Capital One Walmart Rewards Card, you will be automatically considered for the Walmart Rewards® Card, which you can use at Walmart.

2. Fetch

You can earn Walmart cash back with Fetch, even if you do not buy online. That is when you make purchases at any Walmart store. You only have to upload your Walmart receipt after buying from the store via the app (available for Android and iOS) to be eligible for cashback.

When the receipt you upload is approved, you earn points on your Walmart store purchases.

Fetch even allows you to redeem your Walmart points for Walmart gift cards. You need 3,000 points to cash out your Fetch rewards. Ensure to use your Fetch app regularly to quickly accumulate enough points.

3. Ibotta

Ibotta is another platform for getting cash back at Walmart. You can earn Ibotta points on your online and in-store Walmart purchases. When you buy at a Walmart store, you have to upload your receipt on Ibotta to earn cash back within 48 hours.

First, you have to link your Walmart account to Ibotta. You will also link your PayPal account to Ibotta to withdraw your earnings after accumulating at least $20.

Note that uploading an old Walmart receipt too many times or logging into too many accounts from one phone will get your account suspended. You can resolve this suspension by contacting Ibotta customer care.

Here is a complete guide on how you can use Ibotta to earn Walmart cash back.

4. Rakuten

Rakuten is another platform that makes it possible for you to earn cash back when you shop at Walmart. This is a large and trusted platform, so you can trust your accumulated earnings to be safe with them.

To date, Rakuten members have earned over $1 billion in cash back across many merchants, including Walmart.

Shopping at the Walmart website (walmart.com) can earn you 5% cash back. To start saving money, shop your favourite products on Walmart through the Rakuten app. On your Rakuten app, click Shop Now, you will be redirected to your Walmart.com account.

If you shop in Walmart categories such as arts and crafts, clothing, office supplies, sports, and camping, you can earn up to 5%. However, you earn up to 1% cash back in other categories.

5. Honey

Honey helps you to find discount codes and discounts online using a browser extension you install for free.

It searches for digital coupons you can apply to earn Honey Gold points you can also redeem for gift cards.

Honey offers up to 1-3% in rewards for your Walmart.com purchases. You can redeem your Honey Gold when you earn 1,000 Gold, this is equivalent to $10 because 1 Honey Gold is worth $0.01.

You can only redeem a maximum of 10,000 Honey Gold in a single day using the voucher option. This is equivalent to $100.

Your Honey Gold point transactions may take up to 2-14 days to appear as pending in your account after you purchase items on Walmart.

6. Citi Double Cash Card

A Citi Bonus Card can earn you Walmart cash back, you need an eligible Citi credit card such as the Citi Double Cash Card.

You can get cash back on Walmart by login into your Citi account, accessing the Bonus Cash Back Center website, and searching for Walmart. Click the Shop Now button for Walmart to access many Walmart items you can apply cash back.

Citi allows you to earn as much as 2% cash back on all eligible Walmart purchases. You have to pay with your Citi card.

7. Chase Freedom Unlimited

With Chase Freedom Unlimited, you can get up to 1.5% cash back on your Walmart purchases. In addition to your Walmart cash back, you also get an intro 0% APR on purchases for 15 months.

After opening a Chase Freedom Unlimited amount, you can earn up to a $200 bonus when you spend $500 on purchases in your first 3 months.

You can earn 5% cash back on up to $1,500 in combined purchases in bonus categories every quarter you activate. There is an unlimited 1% cash back on all other purchases applied automatically.

Note that your cash-back reward on Chase Freedom does not expire. You can accumulate enough earnings but your account must remain open.

8. Discover it Cash Back

You can get Walmart cash back with the Discover it Cash Back card, which has revolving spending categories that let you earn up to 5% cashback.

The bonus categories are rotated quarterly, and Walmart is part of it. You can earn as much as $1,500 from Walmart.

You will also enjoy a 0% intro APR on your Walmart purchases for 14 months.

Note that this card is valid in the US, and you only get the 5% cash back if you buy before or on the last day of the offer.

If you use Walmart.com, the transaction date from the merchant may be the date your item is shipped.

All rewards earned are added to your account within 2 billing periods. Note that Walmart may not have a merchant category code (MCC) in the category that fits in a 5% category even if they appear there.

Like other merchants and payment processors, Walmart is assigned an MCC based on their products and services, and Discover Card does not assign the MCC to Walmart.

9. Walmart Capital One credit card

If you shop frequently at Walmart, you should apply for the Capital One Walmart Rewards Mastercard.

This card allows you to get up to 5% cash back at Walmart.com, your Walmart app, and on Walmart pickup and delivery. If you buy from a Walmart store, you will get 2% cashback. You may also get 1% cash back on other stuff.

Walmart also offers an introductory offer when you get the Walmart Capital One credit card. You will enjoy an earning of up to 5% cash back on purchases in Walmart stores for your first 12 months. You must use the card with Walmart Pay as a card member.

Pay off your statement balance in full before you apply for a Walmart credit card (optional but advisable). Other, you will negate your cash back quickly if you leave a balance while accruing interest. You do not need the Walmart Capital One credit card if you do not buy from Walmart frequently.

FAQs

How much can I get cash back at Walmart?

You can get $100 cash back at Walmart. Generally, $100 is the limit with any debit card purchase you make at Walmart and $20 for personal checks. If you use Store Card or Capital One Walmart Mastercard, you can use the Quick Cash feature to withdraw cash in $20 increments and up to $100

Can I get cash back at Walmart with a credit card?

You can get cash back at Walmart with a credit card, you may need your Walmart® Store Card and Walmart Credit Card.

How much cash back can you get at Walmart self-checkout?

You can get $100 cash back at Walmart self-checkout (both regular cash registers and self-checkout registers). Personal checks can give you as much as $20 cashback but it comes from the regular cash register.

Do you need a PIN to get cash back at Walmart?

You do not mandatorily need your PIN to get cash back at Walmart. You need to use the Walmart Quick Cash feature on your Credit Card.

Does Walmart give cash back on debit card returns?

Walmart gives cash back on debit card returns, however, this works for debit and not credit transactions. If you perform a credit transaction, you will get a Walmart Gift Card.

Final thoughts

So, reader, here are some of the major ways to get cash back at Walmart.

Meanwhile, many users sent me an email saying that Walmart charges a fee, typically from $1 to as much as $7.50. It could be your bank charges and not Walmart’s. Always check your Walmart receipt for confirmation or check the regulations of your bank.