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Does Walmart Do Cash Back? (Benefits, Disadvantages And More…)


Do you ever take advantage of a money-back program? If not, you are definitely missing out! 

Maybe you are wondering, does Walmart do cash back? Well, here I will break down everything you need to know about the retail giants’ cash-back program, including how to use it and the benefits. 

So, let’s get straight to it…

What Is Cash Back?

What Is Cash Back?

Cashback is when you pay for an item at the checkout with a card and request some money in its physical form as well. This cost is charged to your card and is then given to you in notes. These programs are of huge convenience as it saves you from going to an ATM, and you can avoid ATM fees.

How Does Walmart’s Cash Back Program Work?

Walmart allows cash back on debit card purchases when you use either a normal or self-check-out lane. The amount of money back you can receive depends on the state you are in but is typically $20-$100. 

To get cash back at Walmart, all you need to do is select the “Cash Back” option on the keypad at checkout or ask the assistant at the normal checkout. The limit at Walmart is $100, so you can get up to that limit in notes per transaction. If you need more than $100, you are better off going to go to an ATM.

The Benefits Of Using Walmart’s Cash Back Program

The main benefit to using this program is the pure convenience of it. It can save you a lot of time as you do not need to go to an ATM, and as mentioned, you will also avoid any ATM fees. It can also save you fuel if you were to drive around looking for an ATM or bank as well.

Another great benefit is that it can help you stick to a budget. When you have money in hand, it is a lot harder to overspend as you are more aware of what you are spending.

The Disadvantages Of Using Walmart’s Cash Back Program

The Disadvantages Of Using Walmart's Cash Back Program

The main disadvantage is that you may have to wait in line for a while, especially during busy times. However, this is often the case with any service at Walmart. It is a popular store! Another thing to be aware of is that the amount of cash back you can receive is often limited. So, if you need a large amount of physical money, you may have to go to an ATM anyway or complete multiple purchases at the store.

Can I Get Cash Back With A Credit Card?

Yes and no. Most credit cards do not have this function, but if you own one that does allow cash back, it will be treated as a cash advance. A cash advance is when you withdraw money from your credit card account using your credit card. This usually comes with a high-interest rate as well as other fees, so it is not recommended.

However, there are a few credit cards that do offer this benefit without these extra fees. If you have one of these cards, it may be worth using for the cashback; just be sure to check the details first. Overall, the best way to get cash back at Walmart is to use a debit card as you avoid any fees or interest rates.

What About Personal Checks?

What About Personal Checks?

You can use this scheme when using a personal check, but there are a few things you need to be aware of. Firstly, you will need to have the correct ID as well as the check. 

Secondly, the amount of money back is often limited to $20-$50. Your check will be scanned and verified, and the amount of money you request will be taken from your account immediately. It is possible, but it does require more steps than using a debit card. 

Are there any Time Restrictions?

As long as the store is open, you can get cash back at Walmart. However, it is best to avoid the rush hours as the lines can be long, and you may have to wait a while.

The Fees Associated With Walmart’s Cash Back Program

The Fees Associated With Walmart's Cash Back Program

There are no fees associated with Walmart’s program when using a debit card. However, as mentioned, if you use a credit card, there may be fees associated with this. These will depend on your card, so it is best to check before using this method.

Why Do Stores Offer Cash Back?

The main reason stores offer this feature is for customer convenience. It can save you time and effort from having to find an ATM. It can entice more customers to their store if they associate it with this extra convenience. Additionally, stores will often make a small profit from the service, but it is not their primary motivation.

Other Money Services Walmart Offers

Apart from cash back, take a look at our Does Walmart Cash personal Checks, our Does Walmart Cash Handwritten Checks, or perhaps our What Time Does Walmart Stop Cashing Checks, along with Does Walmart Accept Afterpay Buy Now Pay Later, our Does Walmart Do Money Orders, and what is a Walmart Discount Card.

Alternatively, if you’re out and about shopping for the day, you might want to check out our Does Walgreens Do Cash Back, our Does Walgreens Take Apple Pay, and our Does Sams Club Accept Google Pay Samsung Pay, as well as our Does Costco Take Apple Pay, our Does Kroger Accept Apple Pay, and our Does Home Depot Take Apple Pay for your next DIY project.

If you have a large family and shopping on a budget, take a look at our Does Trader Joes Takes EBT Card, our Does Target Take EBT, and for healthier options, Does Whole Foods Take EBT, or perhaps you’re heading out for your favorite mocha, then check out our Does Starbucks or Take EBT in 2023.

Does Walmart Do Cash Back? – Final Thoughts

The answer is yes! You can get notes at Walmart by using either the self-checkout or normal checkout lane. 

The amount of money you can receive depends on the state you are in but is typically $20-$100. There are no fees associated with this service when using a debit card, but there may be fees associated with using a credit card. Overall, the scheme is a fantastic way to avoid ATM fees and can also help you stick to a budget. 

Just be careful to avoid rush hour in-store, or it will quickly become less convenient!

Enjoy your next shop at Walmart!

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