Yes, you can get cash back with a Walmart credit card, but only at Walmart registers during checkout
The Walmart Credit Card (issued by Capital One) does not have a built-in cash back feature like some rewards cards do. Instead, you earn Walmart Cash — a rewards currency that appears as a statement credit or can be redeemed for a Walmart.com gift card. You cannot withdraw cash directly from an ATM using the card, and you cannot request cash back at non-Walmart merchants.
However, you can request cash back at any Walmart checkout when you make a purchase with your Walmart Credit Card. This is a standard debit-like feature available at the register, separate from the rewards program. The amount you can withdraw varies by store but typically ranges from $20 to $100, depending on Walmart's policy at that location.
If you are looking for a card that earns traditional cash back rewards (money you can use anywhere), the Walmart Credit Card is not the right choice. Its rewards are locked to Walmart purchases and redemption. But if you shop at Walmart regularly and want both in-store cash access and rewards, it works for both purposes.
Key Takeaways
- You can request cash back at Walmart registers when paying with your Walmart Credit Card, typically in amounts between $20 and $100.
- The Walmart Credit Card earns Walmart Cash rewards, not traditional cash back, and those rewards can only be redeemed at Walmart or Walmart.com.
- Cash back at the register is a separate transaction from your rewards balance and does not affect how much Walmart Cash you earn.
- You cannot use the Walmart Credit Card to withdraw cash at ATMs or request cash back at stores other than Walmart.
How to request cash back at a Walmart register
When you are ready to check out, tell the cashier you want cash back before they process your payment. The cashier will ask how much you need, and you will enter that amount into the pin pad or tell them the figure. The amount will be added to your total purchase, and the card will be charged for both the items and the cash.
You will receive the cash in hand before you leave the register. There is no fee for this service. The transaction appears on your credit card statement as a single charge that includes both your purchase and the cash amount.
If the cashier tells you the maximum cash back allowed at that store is lower than what you requested, you can either accept the lower amount or decline cash back entirely. Limits vary slightly between locations, so if you need a large amount, ask the cashier what their maximum is before you finalize your request.
The difference between cash back and Walmart Cash rewards
These are two completely separate things, and it is important not to confuse them. Cash back at the register is money you withdraw from your own account during a purchase — you are not earning anything, you are just accessing your own funds. Walmart Cash is a rewards balance you earn based on how much you spend with the card.
When you use your Walmart Credit Card, you earn Walmart Cash at a set rate depending on where you shop. For example, you might earn 3% Walmart Cash on Walmart.com purchases or 1% on other purchases. This reward balance builds up over time and appears in your account online or on your statement. You can then redeem it as a statement credit (which reduces your bill) or convert it to a Walmart.com gift card.
Requesting $50 in cash back at the register does not earn you any rewards — it is straightforward a cash withdrawal. Your Walmart Cash is earned separately based on your total spending, regardless of whether you took cash back or not.
Where you can and cannot use the Walmart Credit Card for cash
You can request cash back only at Walmart and Sam's Club registers (if you have a Sam's Club membership and the location offers it). You cannot use the card at ATMs to withdraw cash, even though it is a credit card. You also cannot request cash back at other retailers, gas stations, or pharmacies — the cash back feature works only at Walmart-owned locations.
If you need cash while you are not at Walmart, you have other options. You can visit an ATM and use a debit card instead, visit your bank branch, or use a different credit card that offers ATM access (though most credit cards do not). The Walmart Credit Card is designed primarily as a shopping card, not as a general cash access tool.
Limits on how much cash back you can get
Walmart does not publish a single company-wide limit for cash back, so the maximum amount varies by store. Most locations allow between $20 and $100 per transaction. Some stores may allow higher amounts, while others may cap it lower. The best way to find out your store's limit is to ask the cashier when you are checking out.
There is no daily or weekly limit on how many times you can request cash back, so you could theoretically make multiple purchases and request cash back each time. However, this would add charges to your credit card statement, and you would be paying interest on the cash amount if you carry a balance. Cash back is meant to be a convenience during shopping, not a primary way to access funds.
If you regularly need large amounts of cash, a debit card or ATM access through your bank account is a more practical solution than relying on Walmart credit card cash back.
How cash back affects your credit card balance and statement
When you request cash back, the amount is added to your credit card balance when ready. If you buy $50 in groceries and request $30 in cash back, your statement will show a $80 charge. You will owe that full $80 when your bill is due, just like any other purchase.
If you do not pay your balance in full by the due date, you will be charged interest on the entire amount, including the cash back portion. Credit card interest rates are typically much higher than bank overdraft fees or ATM fees, so taking cash back on a credit card and carrying a balance is an expensive way to access cash.
The cash back transaction does not affect your Walmart Cash rewards balance. You still earn rewards on the $50 purchase, but the $30 cash withdrawal itself does not earn any rewards.
Frequently Asked Questions
Can I get cash back if I pay with a Walmart Credit Card online?
No. Cash back at the register is only available for in-person purchases at Walmart stores. Online orders cannot include cash back requests. If you need cash, you must make an in-store purchase or visit an ATM with a debit card.
Do I earn Walmart Cash rewards on the cash back amount?
No. You earn Walmart Cash rewards only on the items you purchase, not on the cash you withdraw. If you spend $50 on groceries and take $30 in cash back, you earn rewards only on the $50 purchase.
What happens if I request more cash back than my credit limit allows?
The transaction will be declined at the register, just like any purchase that exceeds your available credit. The cashier will let you know the charge cannot go through. You can either reduce the cash back amount, reduce your purchase, or use a different payment method.
Is there a fee for getting cash back with the Walmart Credit Card?
No. Walmart does not charge a fee for cash back at the register. However, if you carry a balance on your credit card, you will pay interest on the cash back amount, which is a cost you should consider.
Can I use the Walmart Credit Card at an ATM?
No. The Walmart Credit Card cannot be used at ATMs to withdraw cash. It is a credit card, not a debit card. If you need ATM access, use your bank's debit card or visit a bank branch.