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Can You Get Cash Back at Walmart with a Credit Card?
May 14, 2025
Quick Answer
Walmart does not offer a cash-back option at the register for purchases made with a credit card.
Should You Get Cash Back At Walmart With A Credit Card?
Here’s a look at the pros and cons of this financial move.
Benefits
- Convenience: You can get cash while checking out, saving a separate trip to an ATM.
- Security: It can be safer than visiting an ATM, especially at odd hours.
- Record Keeping: The withdrawal is documented on your credit card statement for easy tracking.
Costs
- Cash Advance Fees: Issuers typically charge a fee for cash advances, which this transaction is considered.
- Higher Interest Rate: The APR for cash advances is usually significantly higher than for purchases.
- No Grace Period: Interest begins to accrue immediately on the cash you receive.
- Withdrawal Limits: The amount of cash you can get is limited by both Walmart and your card issuer.
How to Get Cash Back At Walmart With A Credit Card
Maximizing your savings at Walmart is easier than you think. By strategically using a credit card, you can earn cash back on every purchase, turning your regular shopping into rewards.
- Review Your Spending Habits: Before picking a card, analyze your Walmart receipts. Understand if your spending is concentrated on groceries, gas from Murphy USA, or general merchandise, as this will guide your card choice.
- Choose the Right Credit Card: Not all cards are created equal. Look for one that offers high cash back rates on categories where you spend the most at Walmart. You can use tools like Kudos' Explore Cards tool to compare options.
- Apply and Use Your Card: Once you've selected a card, complete the application process. After approval, make it your default payment method for all your Walmart purchases, both in-store and online, to maximize earnings.
- Redeem Your Rewards: Keep an eye on the cash back you accumulate. Most issuers allow you to redeem your rewards as a statement credit, direct deposit, or check, effectively lowering your shopping expenses.
Impact On Your Credit Score
While getting cash back at Walmart with a credit card is convenient, it's treated as a cash advance, which can affect your credit. Here are a few key factors to consider.
- Credit Utilization Ratio. This action increases your credit card balance and your credit utilization ratio. A higher ratio can negatively impact your credit score, as it suggests greater financial risk to lenders.
- Cash Advance Fees and Interest. Cash advances often have high fees and start accruing interest immediately, usually at a higher rate. This increases your balance, which can make payments more difficult and potentially harm your score.
Alternative Ways To Get Cash Back At Walmart
Using Your Debit Card
The most common alternative for getting cash back is by using your debit card during a purchase. When you pay, simply insert or tap your card and enter your PIN. The point-of-sale terminal will then prompt you to choose a cash back amount. This sum is added to your purchase total and withdrawn directly from your checking account, bypassing the fees and interest rates often associated with credit card cash advances. It's a direct and fee-free way to access your own money while you shop.
Walmart Pay and Prepaid Cards
Another method involves using Walmart Pay within the store's mobile app. By linking your debit card to Walmart Pay, you can still access the cash back feature at checkout. Additionally, some reloadable prepaid cards, like the Walmart MoneyCard, may offer a cash back option at the register. It's important to review the specific terms of your prepaid card, as functionality and potential fees can vary between providers, but it offers a convenient option for managing spending and accessing cash in one transaction.
Choose the Right Card to Get Cash Back At Walmart
The best card for earning cash back at Walmart is the one that fits your specific spending habits. Instead of guessing, you can use the Kudos Explore Tool to find your ideal match. The tool uses a 'preference matching' feature to sort through thousands of cards, letting you compare your top options side-by-side to ensure you’re maximizing rewards on every shopping trip.
For those looking to get the most from their cards, Kudos is the ultimate free shopping assistant for your online sprees. What's more, we're giving you $20 back after your first eligible purchase when you sign-up for free with code 'GET20' and buy from a Boost merchant.
Frequently Asked Questions
Does getting cash back with a credit card count as a cash advance?
Yes, it is processed as a cash advance, which usually incurs higher fees and interest rates from your card issuer.
Are there fees for a credit card cash advance at Walmart?
Walmart does not charge a fee, but your credit card provider will likely charge a separate cash advance fee and interest.
What's the best way to get cash at Walmart?
The most cost-effective method is getting cash back on a debit card purchase, which is typically fee-free up to $100.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
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.
