Yes, you can get cash back with a Walmart credit card, but only at Walmart and Sam's Club registers

The Walmart Credit Card and Walmart Rewards Card both let you withdraw cash at checkout, but the process and limits depend on which card you hold and which store you visit. You cannot use these cards at ATMs or other retailers — cash back is only available when you swipe or insert your card at a Walmart or Sam's Club point-of-sale terminal during a purchase.

The cash back feature works the same way it does with most debit cards: you tell the cashier how much cash you want back, they add it to your total, and you receive the money in hand. There is no separate transaction or fee, though the amount you request must be reasonable for the purchase you are making.

Key Takeaways

  • Cash back is available only at Walmart and Sam's Club registers when you make a purchase with your Walmart credit card.
  • You must make a purchase to get cash back — you cannot withdraw cash without buying something.
  • The cashier will ask how much cash back you want and add it to your total bill at checkout.
  • Walmart credit cards do not work at ATMs, and you cannot use them for cash advances at banks or other financial institutions.

How to request cash back at the register

When you reach the checkout line, tell the cashier you want to make a purchase and get cash back. You do not need to ask permission or fill out a form — it is a standard checkout option. The cashier will ring up your items, then ask how much cash back you want before you pay.

State the amount clearly. Most registers will accept cash back requests between $20 and $100, though some locations may have different limits. The cashier will add that amount to your total, you will pay with your Walmart credit card, and you will receive the cash in hand along with your receipt and items.

If the cashier does not offer cash back, you can ask directly: "Can I get cash back?" Most will say yes, but a small number of registers or locations may not support it. If that happens, you can try a different register or ask a manager.

Differences between the Walmart Credit Card and Walmart Rewards Card

Walmart offers two credit cards: the Walmart Credit Card (a store card that works only at Walmart and Sam's Club) and the Walmart Rewards Card (a Mastercard that works anywhere). Both allow cash back at Walmart and Sam's Club, but the Rewards Card gives you more flexibility because it works at other stores too.

The Walmart Credit Card earns rewards only on Walmart and Sam's Club purchases, so cash back at those stores is your main way to get value. The Walmart Rewards Card earns cash back on all purchases, not just at Walmart, so you might find it more useful if you shop at multiple retailers.

Neither card charges a fee for cash back at Walmart or Sam's Club. If you need cash at other stores or ATMs, you would need a different card or a debit card instead.

What you cannot do with cash back on a Walmart credit card

You cannot use your Walmart credit card to withdraw cash at an ATM, even if the ATM is inside a Walmart store. You cannot request a cash advance from your bank or credit card issuer. You cannot use the card to get cash at other retailers or gas stations. Cash back is only available at the point of sale when you are checking out with a purchase.

If you need cash outside of Walmart or Sam's Club, you will need to use a debit card, visit an ATM, or go to a bank branch. Some people keep a debit card or small amount of cash on hand for this reason, even if they use their Walmart credit card for most purchases.

Rewards you earn when you get cash back

When you get cash back at Walmart or Sam's Club, you earn the same rewards as you would on any other purchase with your Walmart credit card. The cash back itself does not earn extra rewards — the rewards are based on what you buy, not on the cash you withdraw.

For example, if you buy $50 in groceries and get $20 cash back, you earn rewards on the $50 purchase only. The $20 cash back does not earn additional rewards. Check your card's current rewards rate to see how much you earn per dollar spent, as rates can change.

When cash back is useful and when it is not

Cash back at Walmart is most useful if you shop there regularly and want to avoid a separate trip to an ATM. It works well if you need a small amount of cash — $20 to $100 — and are already buying groceries or other items. It saves you time and keeps your cash in hand right away.

Cash back is less useful if you need a large amount of cash, because most registers have a limit. It is also not helpful if you shop at other stores and want a single card that works everywhere for cash access. In those cases, a debit card or a credit card that offers cash advances might be more practical, though cash advances usually come with fees and higher interest rates.

Frequently Asked Questions

Can I get cash back without buying anything?

No. You must make a purchase to get cash back with a Walmart credit card. If you need cash without shopping, you will need to use an ATM, visit a bank, or use a debit card instead.

What is the maximum cash back I can get?

Most Walmart registers allow cash back between $20 and $100 per transaction, though limits may vary by location. If you need more cash, you can make multiple purchases or ask a cashier what the limit is at that register.

Do I earn rewards on the cash back amount?

No. You earn rewards only on the items you purchase, not on the cash you withdraw. If you buy $50 in groceries and get $20 cash back, you earn rewards on the $50 purchase only.

Can I use my Walmart credit card at an ATM?

No. Walmart credit cards do not work at ATMs. Cash back is only available at Walmart and Sam's Club checkout registers when you make a purchase.

Does getting cash back cost extra?

No. There is no fee for cash back at Walmart or Sam's Club. The cash back is added to your total purchase amount, and you pay for it all with your credit card.