Are you looking for ways to save money while shopping at Walmart? One option many customers take advantage of is cash back rewards. Without even realizing it, you could be earning cash back on your purchases every time you shop at Walmart.
So, how much cash back can you get at Walmart? The answer depends on the card or program you’re using. Some credit cards offer up to 5% cash back on Walmart purchases, while others offer a flat rate cash back for all purchases made with the card. Walmart also has its own cash back program called the Walmart Rewards Card, which gives you 5% cash back for purchases made online at Walmart.com, as well as 2% cash back in Walmart stores.
It’s important to research your options and find the best cash back program for your spending habits. With a little effort, you can earn valuable cash back rewards on your next Walmart shopping trip. So, start saving and see how much cash back you can earn today!
Walmart Credit Card Rewards Program: Understanding Cash Back
Walmart offers a lucrative rewards program to its customers through its Walmart Credit Card. The main focus of this rewards program is the cash back feature, which allows customers to earn a certain percentage of their purchases back as cash. This program can be highly beneficial for frequent Walmart shoppers, as it provides an opportunity to save money on future purchases.
With the Walmart Credit Card, customers can earn different cash back percentages based on their purchases. For example, they can earn 5% cash back on purchases made on Walmart.com or by using the Walmart app, and 2% cash back on in-store purchases. Additionally, customers can earn 2% cash back on fuel purchases made at Walmart or Murphy USA gas stations, and 1% cash back on all other purchases made with the card.
Cash Back Categories
The cash back feature of the Walmart Credit Card is divided into different categories. Understanding these categories can help customers maximize their cash back earnings. The primary category is purchases made on Walmart.com or through the Walmart app, where customers can earn 5% cash back. This includes a wide range of products available on the website and app.
Another category is in-store purchases, where customers can earn 2% cash back. This applies to all purchases made at Walmart physical stores, including groceries, electronics, household items, and more. It’s important to note that certain items, such as alcohol and tobacco products, may be excluded from earning cash back.
Understanding Cash Back
What is a Cash Back Rewards Program?
A cash back rewards program is a credit card feature that allows cardholders to earn a percentage of their purchases back in the form of cash. Walmart offers a cash back rewards program for their credit card holders, allowing them to earn cash back on eligible purchases made at Walmart and other participating retailers. The cash back can then be redeemed for a statement credit, a check, or a Walmart gift card.
How Does the Walmart Credit Card Rewards Program Work?
The Walmart Credit Card Rewards Program works by offering different cash back percentages based on where the card is used. Cardholders earn 5% cash back on purchases made on Walmart.com, including Walmart Grocery Pickup and Delivery. They also earn 2% cash back on purchases made in Walmart stores, Walmart and Murphy USA fuel stations, and on dining and travel purchases. For all other purchases, cardholders earn 1% cash back.
Comparison of Walmart Credit Card and Other Cash Back Credit Cards
When it comes to choosing a cash back credit card, there are a plethora of options available in the market. Understanding the benefits and features of each card is crucial in making an informed decision. In this section, we will compare the Walmart Credit Card with other popular cash back credit cards.
1. Walmart Credit Card vs. Chase Freedom Unlimited
The Walmart Credit Card offers a unique rewards program specifically designed for Walmart shoppers. With this card, you can earn up to 5% cash back on purchases made at Walmart, both in-store and online. However, the rewards are limited to Walmart purchases only, which can be a drawback for those who prefer to shop elsewhere.
In contrast, the Chase Freedom Unlimited card offers a flat rate of 1.5% cash back on all purchases, regardless of the merchant. This makes it a more versatile option for earning rewards on everyday expenses such as groceries, dining, and travel.
2. Walmart Credit Card vs. Discover it Cash Back
Another popular cash back credit card that competes with the Walmart Credit Card is the Discover it Cash Back card. With the Discover it card, you can earn 5% cash back on rotating categories throughout the year, such as gas stations, grocery stores, restaurants, and Amazon.com. The rewards are automatically matched at the end of your first year, doubling your cash back earnings.
While the Discover it Cash Back card offers a higher cash back rate on certain categories, it may not be as beneficial for Walmart shoppers who primarily shop at the retail giant. The Walmart Credit Card provides a consistent 5% cash back on Walmart purchases, making it a more rewarding option for loyal Walmart customers.
Tips for Earning Cash Back with Walmart Pay
1. Link your Walmart Credit Card
Before you can start earning cash back with Walmart Pay, make sure you have your Walmart Credit Card linked to your Walmart Pay account. This can easily be done through the Walmart app or website. By linking your credit card, you ensure that any purchases you make using Walmart Pay will count towards your cash back rewards. Don’t miss out on this valuable opportunity to earn extra cash back!
2. Take advantage of promotions and offers
Walmart regularly offers promotions and special offers that allow you to earn even more cash back when you use Walmart Pay. Keep an eye out for these promotions and check the Walmart app or website regularly to stay updated. Taking advantage of these extra earning opportunities can significantly increase your cash back rewards. Don’t forget to read the terms and conditions of each promotion, as they may have specific requirements or limitations.
3. Use Walmart Pay for all your purchases
If you really want to maximize your cash back earnings, make it a habit to use Walmart Pay for all your purchases at Walmart. Whether you’re buying groceries, electronics, or clothing, using Walmart Pay ensures that you earn cash back on every transaction. This adds up over time and boosts your overall rewards. Plus, using Walmart Pay is convenient and saves you time at the checkout counter. It’s a win-win situation!
Walmart Cash Back Limits: What You Need to Know
When it comes to Walmart cash back limits, it’s important to understand the rules and restrictions in order to make the most of your rewards. Here are some key things you need to know:
1. Limit on Cash Back Amount
While Walmart offers cash back on purchases made with their credit card, there is a limit on the amount you can receive. The maximum cash back amount allowed per transaction is typically $100. This limitation is in place to prevent abuse and ensure that the program is fair for all customers. If you try to get cash back exceeding this limit, the transaction may be declined or you may be asked to select a lower cash back amount.
2. Cash Back availability
It’s important to note that not all Walmart stores offer cash back on purchases. The availability of this service may vary depending on the location. It is recommended to check with your local Walmart store or the Walmart website to determine if cash back is available at your preferred store. Additionally, some Walmart stores may also have restrictions on the denominations of cash back that they offer. It’s best to familiarize yourself with the specific policies of your local Walmart store in order to avoid any surprises during checkout.
Frequently Asked Questions about Walmart Cash Back Policies
1. What is the Walmart cash back policy?
The Walmart cash back policy allows customers to receive cash back at the point of sale when making a purchase with a debit card or a Discover credit card. The minimum amount of cash back that can be requested is $20, and the maximum amount is $100. Cash back is provided in $20 increments, meaning that if you request $45 back, you will receive $40 in cash and $5 loaded onto your card.
2. Are there any fees associated with receiving cash back?
No, there are no fees associated with receiving cash back at Walmart. However, it is important to note that using an out-of-network ATM to withdraw your cash back may result in fees imposed by the ATM owner.
3. Can I receive cash back on all my Walmart purchases?
Yes, you can receive cash back on all purchases made with a debit card or a Discover credit card at Walmart. However, it is worth noting that cash back is not available for online purchases.
4. Are there any restrictions on how I can use the cash back?
No, there are no restrictions on how you can use the cash back. Once you receive the cash back, it is yours to spend or save as you wish.