You Can Earn Serious Cash Back At Walmart With These 7 Savvy Strategies

There are plenty of ways to earn cash back at Walmart with little added effort — here’s how.
Last updated Nov 30, 2020 | By Brett Holzhauer
Couple earning cash back at Walmart

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We all have our monthly grocery expenses, but wouldn’t it be great to save on those purchases? If you shop at Walmart frequently, you’re in luck. There are a number of different ways to earn cash back at Walmart, whether you shop online or in-person.

Earning cash back on your regular Walmart shopping can take a little extra effort, but the added time you spend could translate into serious rewards. Here’s how to earn Walmart cashback through various methods that any Walmart shopper can use.

Jump To

Ibotta

Ibotta is a free coupon app that gives its users the opportunity to earn cash back at selected retailers. Through Ibotta, you can learn how to save money through a few different methods.

  • Earn in-store: You can search the app for coupons, add the deals to your profile, upload a photo of your receipt, and you will have cash back within 24 hours in your account.
  • Link your loyalty account: If you don’t want to hassle with receipts, you can simply link your loyalty account from participating retailers. However, Walmart does not have a loyalty or rewards program, so this won’t be an option at their stores.
  • Shop online: If you enjoy shopping online, you can earn cash back at Walmart or other retailers by simply clicking through the Ibotta app or website.

At time of publishing, you can earn up to 5% back on select shopping categories at Walmart such as:

  • Fashion, jewelry, and watches
  • Auto
  • Sporting goods
  • Baby
  • Health and beauty
  • Lawn and garden

If you aren’t shopping in any of these categories, you can still earn 1% cash back on any category not listed. However, the following categories are restricted from earning any cash back:

  • Everyday living
  • Home
  • Tires
  • Personal care
  • Household

If you’re shopping in-store, you can search through a long list of digital coupons to use to help you save money, including deals on groceries, home items, and toiletries.

Earn Serious Cashback At Walmart
Source: Ibotta


In summary, to earn cash back using Ibotta, you can either earn in-store or by shopping online. It doesn’t require hardly any extra effort, and it could lead to great cash back over the long run.

Ibotta Benefits

  • Earn $10 for signing up and redeeming your first receipt
  • Get cash back on normal, every day purchases
  • Works great at grocery stores and pharmacies!

Rakuten (formerly Ebates)

Very similar to Ibotta, Rakuten is an even larger cash back platform with the world’s largest selection of products and services. It also offers special coupons and rebates at major retailers like Target, Apple, and Amazon. Rakuten has saved its members over $1 billion dollars to date, and you can be a part of the savings as well with your Walmart purchases.

If you shop at Walmart.com, you can very easily earn as much as 5% cash back on your purchases through Rakuten. Before you shop, simply search for Walmart in the Rakuten app or site, hit the red button that says “shop now,” and it will redirect you to the Walmart.com home page.

Earn Serious Cashback At Walmart
Source: Rakuten


Similar to Ibotta, there are exclusions and terms that need to be abided by to earn rewards. Categories such as clothing, arts and crafts, office supplies, camping, and sports currently earn up to 5%. Other categories earn around 1% back.

Rakuten Benefits

  • Get a $10 bonus gift card when you spend at least $25 at a participating store
  • Earn cash back for shopping at your favorite stores
  • A quick and painless way to save money on your usual shopping trips

Citi Bonus Cash

If you hold an eligible Citi credit card such as the Citi Double Cash Card, you can use Citi Bonus Cash to get cash back at Walmart.

To earn extra cash back on Walmart.com purchases, all you need to do is log in to your Citi account and access the Bonus Cash Back Center website. From there, you can search for Walmart and then access Walmart.com from the large “shop now” button on the left.

Earn Serious Cashback At Walmart
Source: Citi


From here, you can earn up to 2% bonus cash back on eligible purchases when you use your Citi card to pay. For further info on what purchases are eligible, simply scroll down for further details on the current offers.

Use a cashback aggregate site

To be a savvy online shopper means using a cashback aggregate site. These sites collect data about the best earnings at that moment for large retailers. This is a great way to get started with stacking rewards to earn/save you even more on your normal purchases.

For example, CashbackMonitor.com aggregates all of this info into one page where you can decide the discount that is best for you.

At time of publishing, Walmart.com purchases were eligible to earn a vast amount of cash back or even airline points, if you choose.

Earn Serious Cashback At Walmart
Source: CashbackMonitor.com


Once you select which option best suits your needs, simply click it and you’ll be routed to the correct site. Once you make your Walmart purchase, you will earn the subsequent award in the account you have chosen.

For example, if you choose JetBlue ShopTrue and make an eligible purchase of $100, you will earn 300 JetBlue points.

Of all the different strategies of how to earn cash back at Walmart, this is by far the simplest and most flexible. It takes just a few extra clicks to be on your way to cash back or valuable frequent flyer miles to get you free flights.

Capital One Shopping Benefits

  • Capital One Shopping searches thousands of merchants to see if you're getting a great deal
  • Don't miss out on a better price
  • Search and apply coupon codes automatically
  • Custom price drop alerts for products you've viewed or purchased

Honey

Honey is one of my favorite ways to find discount codes and discounts online. It’s a simple browser extension that you can install for free. It automatically searches for digital coupons that can be applied to your online order. At some retailers, you can also earn “Honey Gold” points, which can be redeemed for gift cards.

At time of publishing, Honey was offering 1-3% in Honey Gold rewards for Walmart.com purchases. Once you have earned 1,000 Gold (equivalent to $10 in cash back), you can then redeem your Gold for gift cards to large retailers such as Amazon or Walmart.

Walmart Capital One credit cards

If you do a significant portion of your shopping at your local Walmart, consider applying for one of the Walmart credit cards.

With the Capital One® Walmart Rewards Credit Card, you will earn 5% cash back on purchases at Walmart.com (including pickup and delivery), 2% cash back on purchases inside Walmart stores, 2% cash back on restaurants and travel, and 1% cash back on all other purchases.

There’s also a great introductory offer on this card where you can earn 5% cash back on in-store purchases when using Walmart Pay for the first 12 months after approval.

If you do decide to apply for one of these cards, it is always best practice to pay off your statement balance in full. If you leave a balance and are accruing interest, that can quickly negate any cash back you are earning. If you don’t do a majority of your shopping at Walmart, consider other cashback credit cards.

Best credit card to use for cash back at Walmart

If the Walmart Capital One cards don’t suit your needs, there are plenty of other cash back credit cards that can help you save on your shopping trips at Walmart.

Discover it Cash Back

The Discover it Cash Back card has revolving spending categories where you can earn up to 5% cash back. Bonus categories change quarterly, but past ones have included grocery stores, gas stations, and restaurants. Occasionally, Walmart.com is part of the rotating categories. You can earn up to 5% cash back on Walmart.com purchases (up to $1,500) from October to December 2020.

To add to the savings, Discover will match all of the cash back you earn in your first year of card membership. For example, if you were to earn $330 in cash back on all your spending, Discover will match that and bring your final total to $660.

Lastly, you will have a 0% intro APR on purchases for 14 months and a balance transfer intro APR of 0% (for transfers that post to your account by by January 10, 2021) for 14 months.

Citi Double Cash Card

The Citi Double Cash Card will up to 2% cash back on all purchases: 1% as you buy and 1% as you pay. This is also one of the best credit cards for buying groceries, as your earnings will always be a consistent up to 2% cash back.

To add to the savings, you will have an intro 0% APR on balance transfers for 18 months. You can use a balance transfer to help pay off debt even quicker than you would if you keep your debt on a credit card accruing interest.

Chase Freedom Unlimited

The Chase Freedom Unlimited has an easy-to-earn sign-up bonus — you will earn a $200 cash back bonus after spending $500 in the first 3 months. You’ll also earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases. Along with cash back, you’ll have an intro 0% APR on purchases for 15 months.

Also, if any of your purchases at Walmart do go awry, you will have purchase protection and extended warranty protection when you use the Chase Freedom Unlimited to pay, along with a host of other included benefits.

FAQs about how to earn cash back at Walmart

What are the best ways to earn cash back at Walmart?

The right credit cards and cashback apps can help you maximize your cash back at Walmart.

Ibotta and Rakuten are two cashback tools that provide you with as much as 5% back on certain purchases. Cash back aggregate websites such as CashbackMonitor.com help you determine which specific sites will provide the most money back.

Some credit cards also provide more cash back for Walmart purchases than others. This includes Walmart credit cards and others such as the Discover it Cash Back. You can double dip and use a cashback app while also paying with these cards to get the most money back on your Walmart purchases.

Which credit card earns cash back at Walmart?

The Capital One Walmart Rewards Card provides 5% back at Walmart.com, on the Walmart app, and on Walmart pickup and delivery; 2% back in Walmart stores, at Walmart and Murphy USA gas stations, and on restaurant and travel purchases; and 1% back on everything else. Other cards such as the Discover it Cash Back offer bonus cash back on rotating spending categories, and Walmart.com has been one of those categories in the past.

In addition to the cards offering bonus cash back, any card that provides cash back for big box store purchases or for general purchases will allow you to earn cash back at Walmart as well.

What credit score do I need for a Walmart Rewards Card?

To get approved for a Walmart Rewards Card, you'll likely need good to fair credit. A fair FICO credit score falls within the 580-669 range.

Which apps let you earn cash back at Walmart?

Many different cash back apps allow you to earn cash back for purchases at Walmart. Ibotta offers up to 5% back on select purchases, as does Rakuten — both of which are cashback websites. Honey, which is a browser extension that searches for discounts and allows you to earn Honey Gold points, also provides points for shopping at Walmart.com.

Because there are many different sites, using a website such as CashbackMonitor can help you to find which ones are providing the most cash back at the time of your purchase.

How to use these deals to earn cash back at Walmart

There are a seemingly infinite amount of ways to save money shopping online, and these are just a few ideas to jumpstart your savings while shopping at Walmart. As e-commerce continues to become the preferred method of shopping, more strategies will surface and make online shopping that much better.

If you want to begin stacking rewards, consider combining a cash back rewards platform like Ibotta or Rakuten and a cash back credit card like the Citi Double Cash Card to work simultaneously. Stacking rewards like this can lead to significant savings at the Walmart checkout or with any other large retailer. All these methods for saving can help you learn how to manage your money better and get ahead faster.

Earn Cash Back Twice

Citi Double Cash Card

Citi Double Cash Card

Citi Double Cash Card

Benefits

  • 0% intro APR on balance transfers for 18 months
  • 2% cash back on all purchases - 1% when you buy and 1% when you pay
  • No annual fee