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Can You Get Cash Back at Walmart with a Credit Card?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Quick Answer
Not as cash in hand. Walmart's cash withdrawal service at staffed registers is built for debit and prepaid cards, and getting cash from a credit card would be a cash advance. If you mean cash back rewards, yes: a credit card like the OnePay CashRewards World Mastercard® earns cash back on Walmart purchases.
The information for the OnePay CashRewards World Mastercard® has been collected independently by Kudos. The card details on this page have not been reviewed or provided by the card issuer.
Why Credit Cards Don't Work for Cash at Walmart
Walmart's "Load & Unload" service lets you withdraw cash at a staffed register using a physical debit card, and Walmart says most prepaid and bank-issued debit cards are supported. Credit cards aren't part of that service.
Even where a store allows it, taking cash from a credit card is usually treated as a cash advance, with a fee and interest that starts right away. Some issuers offer cash at checkout on credit cards at participating stores, but Walmart isn't on Discover's list of participating merchants. Learn more in our guide to cash advances.
How to Get Cash at Walmart
- Go to a staffed register: Bring your physical debit or prepaid card.
- Ask to withdraw cash: Walmart allows up to $1,000 per transaction and up to three transactions a day.
- Check the fee: Walmart says fees range from $0 to $3.74 per transaction.
If you have a Walmart MoneyCard, its account agreement says you can withdraw cash without a fee at Walmart MoneyCenters and customer service desks.
How to Earn Cash Back Rewards at Walmart
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The OnePay CashRewards World Mastercard®, issued by Synchrony Bank, earns 5% back at Walmart with a linked Walmart+ membership, 3% back at Walmart without one, and 1.5% back everywhere else Mastercard is accepted. The Walmart rates apply at U.S. Walmart stores and Walmart.com, and the 5% rate is limited to one card per Walmart+ account. There is no annual fee.
Read our OnePay CashRewards card review and best cards for Walmart for more options.
Impact on Your Credit Score
- Cash advances: A cash advance adds to your balance with immediate interest, which raises utilization and can make the balance harder to pay down.
- Regular purchases: Using a card for Walmart purchases and paying in full each month supports your payment history. See how to lower your utilization rate.
Other Ways to Get Cash
Debit and Prepaid Cards
Withdrawing from your own account with a debit card avoids credit card cash advance fees and interest. Ask at the register or customer service desk about options at your store.
Walmart MoneyCard
The Walmart MoneyCard, issued by Green Dot Bank, allows MoneyCenter withdrawals of up to $1,000 per transaction and $3,000 per day. Its rewards (3% at Walmart.com, 2% at Walmart fuel stations, 1% at Walmart stores, up to $75 a year) don't apply to cash withdrawals.
Choose the Right Card for Walmart
If you shop at Walmart often, a card with a Walmart bonus can beat a flat-rate card. If you shop many stores, a strong flat-rate card may earn more overall. Compare cards in Kudos Explore to see which fits your spending.
When you shop online, including on Walmart.com, Kudos autofills the card in your Kudos Wallet that earns the most at checkout. Learn how Kudos works.
In a Walmart store, the Location Cheatsheet in Kudos Premium shows the best card to use at places around you, including grocery stores and gas stations. It's available on iOS and Android.
Frequently Asked Questions
Can I get cash back at Walmart with a credit card?
Walmart's cash withdrawal service is for debit and prepaid cards. Taking cash from a credit card would generally be a cash advance with fees and immediate interest.
How much cash can I withdraw at Walmart?
With a debit or prepaid card at a staffed register, up to $1,000 per transaction and three transactions a day, with fees of $0 to $3.74.
Which credit card earns the most at Walmart?
The OnePay CashRewards card earns 5% back at Walmart with a linked Walmart+ membership and 3% without one.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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