Walmart Cash Back Limit – Restrictions, Debit, Credit, & More

Sometimes when you’re out shopping, grabbing some cash back at the register can be a convenient way to save that extra trip to the bank. Every retailer has its own limits when it comes to cash back, and Walmart is no different. So what is Walmart’s cash back limit?

Walmarts cash back limit is $100 for debit card transactions. For personal checks, the limit is $20. If you’re using a Capital One Walmart Mastercard or Store Card, Walmart enables the Quick Cash feature, which allows you to withdraw cash in $20 increments, up to $100.

The main purpose of the limit is to ensure enough cash is available in registers at all times. While the limit is generous, you may end up in a situation where more cash is needed. Theoretically you could make additional purchases, or you may need to visit their in-store ATM which come with a fee. Let’s explore the cash back limits a bit more and see what our options are.

Walmart Cash Back Options

There are various cash-back options available at Walmart stores, including in-store transactions, self-checkout, and Walmart Pay. The limits remain the same for each, but the process to getting your cash back varies slightly. Here’s a breakdown of how each method works.

In-Store Transactions

When you shop at Walmart, you can receive cash back at the register when using your debit card. Walmart offers up to $100 in cash back on debit card purchases, allowing you to select from various denominations, such as $20, $40, $60, $80, and $100.

This service is available thrice daily, ensuring you can access cash when needed. To get your cash back all you have to do is tap the option on the key pad when you insert your debit card. Alternatively, you could let the Walmart associate know how much you need once they give you the total for your purchases.

While they give cash out in increments of $20, you may be able to get smaller bills upon request.

Self-Checkout

Walmart also provides cash-back options at the self-checkout counters. Just like when you’re checking out with a cashier, you can receive up to $100 in cash back when you use your debit card at a self-checkout kiosk.

Just follow the prompts on the screen during checkout, and the machine will deduct the balance and dispense the cash out in a tray. The catch here is that you can’t determine how your bills come, it’ll simply be in multiples of $20.

If you’re using Walmart pay, the process is the same.

What To Do If You Need More Cash Back At Walmart

While $100 is a decent chunk for cash back, it may not be what you need. Here’s a few things you can do if you need more cash back:

• Make more purchases
• Use the store ATM
• Go to your bank
• Shop somewhere else

It really comes down to those three things. The easiest method is just to purchase more items. It can be something small even, like a pack of gum. Then just ask for cash back as normal. If you feel uneasy about it, you can always go to another register so it doesnt seem weird or too much.

Walmart doesnt have any specific limits about how many times you an get cash back, so it shouldn’t be a problem.

You could always use the store ATM, but there’s a fee. Most Walmart ATMs charge $2.50 per transaction. You can take out way more money this way though, usually between $200 – $1000. But ultimately the limit will be whatever your bank says you can take out per day.

Speaking of banks, you can always go there to get your cash withdrawals. It may not be as convenient, and I know it doesn’t let you have that convenience of shopping and doing it all in the same trip. But, you’ll have the most flexibility this way.

There are plenty of stores that have more options when it comes to cash back (more on this in the next section).

Alternative Cash Back Options

If you’re looking for more ways to save money and earn cash back while shopping, consider these alternative options, including Discover Card Cash Back, Rewards Programs, and Benefits.

Competitor Cash Back Policies

Walmart’s cash back process is simple and works for most scenarios, but it’s important to understand how it works vs the competition. Here’s a brief look at competitors, such as Target, Kroger, Safeway, Whole Foods, and Starbucks when it comes to cash back.

Comparing With Target

When comparing Walmart to Target, it’s important to note that Target does offer cash back on debit card purchases. The limit is $40 so its not nearly as flexible was Walmart. How you get your cash back is similar though.

You can either use your debit card, or you can use the Wallet within the Target app. From there, just select your debit card as the payment method for it to work. The cash withdrawal option will only appear when a Target Debit Card is selected as a payment method in the Wallet.

What I do like about Targets cash back option is that you can choose smaller multiples. The options are None, $10, $20, $30 or $40.

Other Retail Stores

Many retail stores, including grocery stores like Kroger and Safeway, offer cash back on debit card purchases. Kroger’s cashback limit is up to $300, while Safeway’s limit is up to $200 per transaction. On the other hand, Whole Foods does not offer cash back on debit card purchases but provides cash back on checks.

Starbucks also offers cash back on debit card purchases but with a lower cash back limit of $40 per transaction. Keep in mind that cash-back policies may vary depending on the location and store policies.