How to Earn Cash Back at Walmart: 8 Simple Ways

Prices continue increasing, so finding ways to save on as many purchases as possible is essential. I love finding stores I can get everything from in one stop, which is why Walmart is a frequent stop on my errands, whether shopping for groceries or other essentials.

I must say that earning cash back on your Walmart trips takes extra effort, but the rewards are often worth it. Here are my favorite ways to earn cash back at Walmart.

Ibotta

Ibotta is a free coupon app that allows you the opportunity to earn cash back at Walmart using a few different methods:

• Earn in-store: Before heading to the store, search the app for coupons and add the deals to your profile. After shopping, upload a photo of your receipt, and you’ll get your cash back within 24 hours in your account.
• Link your Walmart account: If you prefer shopping online, like me, you can earn cash back at Walmart by linking your Walmart account to your Ibotta account for automatic credit for your purchases.

Walmart offers 2%-5% cash back on select purchases when shopping online. The typical reward is 2%, but they run Flash Sales that offer 5% back on certain products and categories from time to time.

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.

Source: Ibotta

Capital One Shopping

Capital One Shopping¹ is an easy-to-get browser extension that may help you save money when you shop online. It's completely free, and currently available for Google Chrome, Mozilla Firefox, Microsoft Edge, and Safari.

I love Capital One Shopping because it does the work for me. All I have to do is head to Walmart.com and start shopping. If Capital One Shopping finds a deal on what I’m looking at, it automatically applies it for me.

I also love that you can earn cashback rewards with it. When you’re shopping, if there is a reward available, Capital One shows it as a pop-up to alert you of the opportunity.

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Capital One Shopping Benefits

• Capital One Shopping searches thousands of merchants to see if you're getting a great deal
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Rakuten (formerly Ebates)

Rakuten is a lot like Ibotta, but with an even larger cashback platform. It also offers special coupons and rebates at major retailers, including Walmart. Rakuten has saved its members over $3.2 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.

Source: Rakuten

Similar to Ibotta, there are exclusions and terms to earn rewards. On average, expect to earn about 1% back on Walmart purchases through Rakuten.

Fetch

Fetch is a free app that rewards you when you purchase certain items and upload your receipts to the app. Simply download the Fetch app for your Android or iOS device, create an account using your email, Facebook, or Google info, and start using it for your Walmart shopping trips.

I love how simple Fetch is to use. If you’re like me and forget to check the app before shopping, you can still upload your receipt and get at least 25 points. But, when you purchase a qualifying grocery or household item and upload your receipt, you'll earn bonus points on those items.

Not only can you use Fetch to earn rewards when you shop at Walmart, but you can also redeem your points for Walmart gift cards. You must earn 3,000 points to cash out your Fetch rewards, but if you use Fetch regularly, your points can add up and save you some money when you shop at Walmart.

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.

Source: Citi

From here, you can earn up to 4% bonus cash back on eligible purchases when you use your Citi card to pay.

Cashback aggregate sites

To be a savvy online shopper means using a cashback aggregate site. These sites collect data about the best earnings 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.

Source: CashbackMonitor.com

You can click on each option available to read the fine print to ensure the deal makes the most sense.

I like this option because you get many opportunities to save money in one place. However, like any deal, always read the fine print to ensure it’s legit.

Honey

Honey is one of my favorite ways to find discount codes and discounts online. Similar to Capital One Shopping, it’s a simple browser extension that you can install for free. It automatically searches for digital coupons that they apply to your online Walmart order.

At time of publishing, Honey was offering 0.1%-1% in PayPal Rewards for Walmart.com purchases.

Walmart Capital One credit cards

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

With the Capital One Walmart Rewards^® Card, you can earn 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, on gift cards at Walmart, and on restaurant and travel purchases; and 1% back on everything else.

There’s also a great introductory offer on this card. Earn 5% back on purchases in Walmart stores for the first 12 months when you use this card with Walmart Pay as a cardmember.

If you use a Walmart credit card, I suggest you pay off your statement balance in full. If you leave a balance and accrue interest, it can quickly negate any cash back you earn. However, 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 credit cards don’t suit your needs, there are plenty of other cashback credit cards that can help you save on your shopping trips at Walmart.

U.S. Bank Shopper Cash Rewards™ Visa Signature^® Card

The U.S. Bank Shopper Cash Rewards™ Visa Signature^® Card allows you to earn 6% cash back on first $1,500 in combined eligible purchases each quarter with your choice of two retailers; 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center; 3% cash back on the first $1,500 in eligible purchases in one everyday category; and 1.5% cash back on all other eligible purchases. And one of the retailers you can choose for the 6% cash back is Walmart.

This card also has an intro bonus that allows you to earn $250 after spending $2,000 on eligible purchases in the first 120 days. The annual fee is $95 (waived first year).

Learn more in our U.S. Bank Shopper Cash Rewards card review.

Discover it^® Cash Back

The Discover it^® Cash Back card has revolving spending categories where you can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

To add to the savings, Discover will match all the cash back you’ve earned at the end of your first year. 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 15 months (then 18.74% - 27.74% Variable) and a balance transfer intro APR of 0% for 15 months (then 18.74% - 27.74% Variable).

Citi Double Cash^® Card

With the Citi Double Cash^® Card, you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. This is also one of the best credit cards for 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 (then 18.74% - 28.74% (Variable)). 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 can earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year).

You can earn 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. Along with cash back, you’ll have an intro 0% APR on purchases for 15 months (then 19.99% - 28.74% Variable).

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

It’s important to compare the best cashback credit cards to ensure you get the one that suits your needs the most.

FAQ

Bottom line

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 prices continue increasing, even at Walmart, it’s important to stay on top of the ways you can save money there.

If you want to begin stacking rewards, I suggest combining a cashback 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.

Unlimited Cash Back

Chase Freedom Unlimited^®

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Chase Freedom Unlimited^®

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Current Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Annual Fee

$0

Rewards Rate

6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

Benefits and Drawbacks

Benefits

• High base rewards rate of 1.5%
• $0 annual fee
• Valuable welcome bonus for new cardholders
• Intro APR offers for purchases and balance transfers

Drawbacks

• Has a foreign transaction fee of 3% of each transaction in U.S. dollars
• No bonus categories for gas or groceries

Card Details

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC