3 Ways to Get Walmart Cash Back In Store, Online and at the Pump

Getting cash back at Walmart is easier than most shoppers think, whether you buy in store, online or at the pump.

Most Walmart shoppers leave free money at checkout. Here are 3 ways to collect it, ranked by what they cost to start, each with a first step you can take today.

• Most of your orders come from Walmart.com? Start with #1.
• Shop in store with the Walmart app on your phone? #2 is free, so pair it with #1.
• Your paycheck already arrives by direct deposit? Look hard at #3.

3 Walmart Cash Back Methods, Ranked by Cost

The 3 ways to get Walmart cash back are a cash back portal for Walmart.com orders, Walmart Cash offers and the Walmart MoneyCard. The first 2 are free, while the MoneyCard only pays off if direct deposit waives its monthly fee.

1. Start Walmart.com Orders From a Cash Back Portal

A cash back portal pays you a share of what you spend on Walmart.com when you click through to Walmart from the portal first.

TopCashback’s Walmart page lists up to 8% back.

Portals earn a commission for sending you to Walmart, and TopCashback says it passes all of that commission to you.

Here’s an example: say you order $60 of home decor, a 3% category. That’s $1.80 back for one extra click before you shop.

The catch? Cash back shows up in your TopCashback account within 7 days, but it only becomes payable after Walmart’s return period ends. That’s because a returned item cancels it.

Prefer hands-off? TopCashback’s browser extension reminds you to activate cash back in one click. If you like that, these coupon extensions also test promo codes at checkout for you.

TopCashback at a Glance
🎯Best For	Anyone who orders non-grocery items from Walmart.com. Skip it for groceries, since TopCashback's Walmart page excludes them, along with pickup orders that contain groceries.
💰Cost	Free to join
💵Payoff	8% on flash and extra savings deals, 3% in most categories and 2% on electronics, media and gaming
⏰Time	Tracks within 7 days, then pays after Walmart's return window closes
👉First Step	Create a free TopCashback account, open its Walmart page and click Get Cash Back

2. Claim Walmart Cash Offers in the Walmart App

Walmart Cash is a free rewards balance for anyone with a Walmart account. You claim manufacturer offers in the Walmart app or on Walmart.com, buy those items, and Walmart adds the reward after the order is fulfilled, according to Walmart’s help center.

You claim each offer like one of the digital coupons in Walmart’s app. It’s part of Walmart’s loyalty program, so there’s no credit card to apply for.

The step-by-step guide further down shows how to find offers, earn them in store, spend your balance and cash it out.

Walmart Cash at a Glance
🎯Best For	Anyone who shops at Walmart with the app or a Walmart.com account. Skip it if you won't open your phone at checkout.
💰Cost	Free
💵Payoff	A set reward on each claimed item. Ibotta grocery rewards are often under a dollar (TechCrunch, 2022)
⏰Time	Same day at the register, or up to 48 hours for a scanned receipt
👉First Step	Open the Walmart app, tap Account, then tap Get More next to your Walmart Cash balance

3. Pay With the Walmart MoneyCard

The Walmart MoneyCard pays 3% back on Walmart.com and Walmart app purchases, 2% at Walmart fuel stations and 1% in Walmart stores, up to $75 a year, according to the card’s cash back page.

It’s a reloadable debit card, so the cash back adds up automatically with no offers to claim.

Say you spend $200 a month on Walmart.com orders that aren’t groceries, a made-up example. At 3%, that’s $6 a month, or $72 a year, just under the cap.

But if you miss the $500 deposit, the $5.94 fee eats almost all of that $6.

Grocery delivery and pickup orders earn 1%, not 3%, even though you place them on Walmart.com. And once a reward year ends, you have to redeem the whole amount in the app or online within a year, or it expires.

In other words, the MoneyCard only pays off when direct deposit already keeps its fee at $0. If you do get one, the 2% at Walmart fuel stations pairs well with these ways to save money on gas.

Walmart MoneyCard at a Glance
🎯Best For	People paid by direct deposit who shop Walmart.com often. Skip it if your direct deposits can't cover its monthly fee.
💰Cost	$5.94 a month, waived when you direct deposit $500 or more in the previous month
💵Payoff	1% to 3% of qualifying Walmart spending, capped at $75 a year
⏰Time	A year or more, since cash back is credited at the end of each 12-month reward year
👉First Step	Ask your payroll department whether you can split your direct deposit into a second account

Which Walmart Cash Back Method Should You Start With?

TopCashback is the best first step for Walmart.com orders, because it’s free and pays the highest rate here, up to 8%. Add Walmart Cash offers for what you buy in store, and choose the MoneyCard only if direct deposit keeps its fee waived.

One more way to pay less is a discounted Walmart gift card. Card Koala compares Walmart gift card prices across resellers, so you can see whether any sell below face value today.

You can also earn free Walmart gift cards from apps and survey sites. For stores beyond Walmart, these cash back apps work the same way, and cash back goes further on a smaller bill, so pair it with these frugal shopping tips.

How to Use Walmart Cash, Step by Step

Walmart Cash takes the most steps of the 3 methods, so here’s how it works from the first offer to cashing out.

How to Find Walmart Cash Back Items

Walmart lists every current Walmart Cash offer in one place. In the app or on Walmart.com, go to Account, tap Get More next to your Walmart Cash balance, then tap View Eligible Items.

You can also search for a product you already buy. If it carries a brand’s manufacturer offer, the item page shows a box labeled Get Walmart Cash, and ticking it claims the reward.

Claim offers before you fill your cart, since Walmart pays on items you claimed and then bought.

How to Earn Walmart Cash In Store

To earn Walmart Cash in store, scan each item’s barcode with the Walmart app’s scanner, claim the offer, then scan the QR code at checkout so the purchase links to your account.

Here’s how it works:

1. Open the Walmart app and tap the scanner. Check a price and Scan & go both work.
2. Scan the product’s barcode. If there’s an offer, tick Get Walmart Cash.
3. At checkout, scan the on-screen QR code with the app before you pay.
4. Pay as normal, and Walmart adds the reward once the purchase goes through.

Forgot to scan the QR code? You can still scan the barcode on your store receipt in the app within 7 days of the purchase. Walmart says the reward can take up to 48 hours to show up.

How to Spend Walmart Cash Online or In Store

Walmart Cash spends like store credit. Online, tap Apply next to your Walmart Cash balance in the Payment Method section at checkout, and in store, scan the QR code and choose Walmart Cash as your payment method.

If your balance covers the whole basket, Walmart doesn’t charge your card at all. Anything left over goes on the payment method you pick.

How to Cash Out Walmart Cash for Real Money

Walmart Cash can be cashed out for paper money once your balance reaches $25, at the MoneyCenter or customer service desk in any Walmart store, according to Walmart’s Walmart Cash FAQ.

Here’s the process:

1. In the app, go to Account, tap Get More, scroll to Walmart Cash Tools and tap Cash out in store.
2. Tap Show cash out barcode.
3. Get to the desk within 3 hours, because the barcode expires after that.
4. Show the barcode and a government-issued photo ID with the same name as your Walmart account.

If your Walmart account uses a nickname, change it to your legal name before you go, or the associate can’t match your ID. Each cash-out takes your whole balance, and Walmart caps them at $500 a day, $1,000 a week and $2,000 a month.

What Happens to Walmart Cash When You Return an Item

Returning an item takes back the Walmart Cash it earned, even when that pushes your balance below zero. The exception is when another item from the same purchase still qualifies for the offer.

Future rewards fill that negative balance first. Walmart says it will never ask you to repay a negative balance, and you just can’t spend it.

Substitutions count too. If a pickup or delivery order swaps in a different product, that item earns the reward only if it also qualifies for the offer.

Where Ibotta Fits In

Walmart Cash runs on Ibotta: TechCrunch reported in August 2022 that Walmart’s cash back rewards were the first product of its partnership with the cash back app. Walmart added them as a Walmart+ perk to win members from Amazon Prime, the same report says.

Back then, the rewards were for Walmart+ members only. Walmart’s help center now says Walmart Cash is open to every customer, member or not.

Ibotta also runs its own rebate app, where you save offers and then prove the purchase with a linked loyalty card or a photo of your receipt. Before you count on 2 rewards for one item, read each offer’s terms in both apps.

Our Ibotta review covers what it really pays, and there are more apps that pay you to scan grocery receipts if you want a second reward on the same trip.

Frequently Asked Questions

The Bottom Line

TopCashback and Walmart Cash both cost nothing, so there’s no reason not to use both. Before your next order, sign up for TopCashback and claim 3 Walmart Cash offers on things you already buy.