Walmart Cashback: Every Portal's Rate, Compared

Does Walmart have its own cashback or rewards program?

Yes, and it's worth understanding before you compare portals, because it's shaped differently from a percentage on your cart. Walmart's program is called Walmart Cash, and Walmart describes it as "a promotional currency available to customers with a Walmart account through certain programs offered by Walmart from time-to-time" source. The main way to earn it is item by item: "You earn Walmart Cash by claiming Manufacturer Offers for products in the app or on Walmart.com, then purchasing those items" source. Walmart's FAQ says where those offers come from, "Manufacturer Offers sourced by Ibotta", and confirms you don't need a membership: "Walmart Cash is available to all Walmart customers regardless of their Walmart+ membership status" source. So it's closer to clipping a coupon than to earning a rate: you tick "Get Walmart Cash" on a product, buy that product, and the offer's value lands in your balance once the order is delivered or picked up.

A few things about that balance are better than most store credit. It doesn't expire ("Does Walmart Cash expire? No."), there's "no Walmart Cash balance minimum to redeem in connection with purchases in Walmart stores or Walmart.com", and once you've built up $25 you can turn it into actual money at the store: "To cash out in-store, you will need a minimum of $25 Walmart Cash" source. Walmart+ members have a second way in through travel, "2% Walmart Cash on air travel and 10% Walmart Cash on everything else" booked through Walmart+ Travel source, which is the closest thing Walmart runs to a straight percentage, and it's on hotels and flights rather than paper towels.

Walmart+ itself is a membership, not a rewards program, and it's the thing most people guess first. The plan page's FAQ prices it at "Monthly: $12.95/month. Annual: $98/year. Plus applicable taxes." and the page leads with "Try 30 days of Walmart+ for just $1" source. If you're on government assistance or in college there's a cheaper door: "Qualifying government assistance recipients & college students can join for just $49/yr or $6.47/mo." source. What you get is delivery and shipping, not cash: "Get groceries & more over $35 delivered free, as fast as today" and "Free next-day & two-day shipping from Walmart.com with no order minimum needed", with the footnote that this "Excludes most Marketplace items" source. The fuel perk is "Save 10¢ per gallon at Walmart, CITGO®, Exxon™, Mobil™ & Murphy stations + get member prices on fuel at Sam's Club", with the footnote "At participating stations only. 5–10¢ in AL. T&C apply." source. None of it pays a percentage on a normal order, which matters for one reason: it means Walmart+ doesn't compete with the portals in the table, it sits underneath them.

Where Walmart does pay a percentage, it's through a credit card, and the numbers set the bar every click-through row on this page has to clear.

• OnePay CashRewards Card. Walmart's help page lists the tiers: "Earn unlimited 5% cash back at Walmart when you are a Walmart+ member", "Earn 3% cash back at Walmart if you are not a Walmart+ member", and "Earn 1.5% cash back on all other purchases", with "No annual fee" and use "anywhere Mastercard is accepted" source. There's a small welcome bonus if you "Spend $75 or more within 30 days of account opening": "an extra $35 cash back as points" source. Points cash out as "Cash deposited into a OnePay Cash account" or a "Statement credit" source.
• OnePay Walmart Spend Card, the fallback. If you apply and don't qualify for the CashRewards card, you "may be considered for a OnePay Walmart Spend Card", which "Can only be used at Walmart stores and Walmart.com" and "Does not include a standard cash back rewards program" source. Worth knowing before you apply, so a card with no rewards doesn't arrive as a surprise.

Put the two together and the honest picture is this: the card's Walmart tier is the number to compare the table against, card rewards stack with every portal (more on that below), and Walmart Cash is a per-item bonus you claim before checkout rather than a rate you earn on everything.

What Walmart cashback stacks with

The short version: card rewards stack with everything, deal prices stack with the click-through portals and are in fact where TopCashback pays its top tier, and a gift card of any kind, including the Fluz card and the e-gift card Walmart Cash turns into when you spend it, is a no at TopCashback and Price.com. Rakuten pays nothing on Walmart, so there's nothing on that row to stack.

Walmart cashback exclusions and what breaks tracking

The thing to know before any list: the two portals showing a ceiling pay it on a narrow slice of the store, and the thing most people actually buy at Walmart, groceries, is excluded at TopCashback outright. If your Walmart order is a grocery order, read the groceries question in the FAQ first and come back to this.

• TopCashback's tiers, and what falls off them. The page shows three Walmart tiers. The top one is labeled "Flash Deals, Extra Savings Deals" and applies to those deal pages only. The everyday departments sit on a lower tier, one long list that runs from "Stationery, Sporting Goods, Automotive" through "Toys, Seasonal, Books & Magazines, Celebration", and "Media & Gaming, Electronics" sit on the lowest source. Inside those departments, some products are carved out by name: "Excludes: Video game consoles", "Excludes: Apple products, Beats products", "Excludes: Kobo, eBooks", and the automotive tile reads "Excludes Tires" source. So a TV, a console or an iPad is either the lowest tier or nothing.
• TopCashback's exclusions list. Anything not in a listed department is out, "including Apple and Beats products, baby consumables, baby gear, financial services, food and groceries, prepaid cards, optical products, pharmacy products, photo services, precious metals and tires" source. Then the whole of wireless: "Purchases of wireless products, including cases, miscellaneous accessories, postpaid mobile devices, power and connectivity items, prepaid wireless airtime, prepaid wireless phones, tablet accessories, unlocked and refurbished devices, wireless miscellaneous items, wrist-worn devices, prepaid wireless items, wireless accessories, digital services, signing services and wearable tech" source. Then four short lines: "Walmart+ Plus or Walmart+ Plus trial subscriptions", "Pickup orders containing grocery items", "Purchase or redemption of a Walmart gift card", and "Use of a coupon code not displayed on TopCashback" source. That grocery line is stricter than it looks: a pickup order with one grocery item in it is a pickup order containing grocery items.
• TopCashback's terms. "Cash Back is calculated only on the item(s) price and does not include taxes, shipping or other fees." "If an item is returned or a partial refund has been issued, your Cash Back for the whole order will be declined." "Purchases made with the intention of reselling or buying in bulk are ineligible for Cash Back and may be declined." "Purchases made on sites other than Walmart's U.S. site, including sister properties such as Sam's Club, are ineligible for Cash Back." "Cash Back earned cannot exceed the total purchase amount." And if an order doesn't show up: "Should your Cash Back fail to track automatically, please submit a Missing Cash Back Claim within 100 days of your order" source. One more, printed at the top of the page for Safari users: "With this Safari browser, we cannot guarantee that your Cash Back will track for this retailer. Please use an alternative browser on your device (e.g. Chrome) to get Cash Back" source. If you're on an iPhone or a Mac, that's a real instruction, not boilerplate.
• Price.com's cap and tiers. The page states a hard ceiling per order: "Max Cash Back Per Order: $20" source. On a big basket that cap, not the percentage, is what you'll get. Its rate table runs six tiers, "Apparel, Accessories, and Jewelry" at the top, then "Beauty", then "Home Decor, Bath & Shower, Bedding, Home Management and Furniture", then "Electronics, Toys, Seasonal, Books and Celebration", then "Stationery, Sporting Goods, Auto, Hardware, Tools, DIY and Patio", and "All Other Purchases" at the bottom at a small fraction of the top source. The exclusions line is one sentence: "Cash Back is not available on purchases made using gift cards or unauthorized coupon codes" source. Timing: "Purchases will typically show in your wallet as pending in 1 day" and "Cash Back will be added to your wallet in approximately 90 days" source.
• Where Price.com's page disagrees with itself. Further down, its FAQ says "Price.com cash back is available on select eligible purchases, including Walmart+ subscriptions, a new user's first online pickup or delivery order, and a new user's first general merchandise order" source. That describes a different program from the six-tier table above it, and the page doesn't reconcile the two. Our table reads the rate the page displays. If you're counting on a Walmart+ fee or a first grocery order paying out there, check what the page says on the day, signed in, before you click through.
• Rakuten. The page title is "Walmart Coupons, Promo Codes & No Cash Back" and its own description says "plus earn No Cash Back at Rakuten" source. It's a codes-and-deals page. There's no exclusions block because there's nothing to exclude, and the codes on it are the only reason to open it.
• Fluz's card limits. Cards run "from $10–$500", are "United States only", and are "Non-refundable" and "Non-reloadable", with the useful line "Does not expire" source. Fluz prints the per-order limit on the page: "You can apply a maximum of 5 gift cards to your order at this merchant" source. The card terms printed on the page say where it works: "Use this card at any Walmart store or Sam's Club in the U.S. or Puerto Rico, or on-line at https://www.walmart.com/, Samsclub.com" source. On a return, "the funds will be refunded to a gift card with that merchant" source, so a returned Fluz-paid order comes back as Walmart credit, not cash.
• Walmart's gift card rules, which the Fluz route inherits. "Gift Cards do not expire." "Gift Cards are not returnable or refundable." They work "at any Walmart or Sam's Club location in the U.S. or Puerto Rico, in-app, and online at Walmart Business, Walmart.com and SamsClub.com" source. What they can't buy: "Ineligible purchases include, but are not limited to, precious metals, financial products or services, and gift cards" source. Two lines that bite on the Fluz route specifically: "You may not consolidate or combine multiple Gift Cards to purchase a new Gift Card", and "Walmart does not replace lost or stolen Gift Cards" source. A Walmart card keeps its own leftover balance, so buy a $60 card for a $58 order and the $2 stays on that card until you use it. Small balances can be cashed out only where the law says so, "in the following jurisdictions: CA, CO, CT, HI, MA, ME, MO, NJ, NY, OR, PR, RI, VT, and WA" source.
• Marketplace sellers. No portal's Walmart terms draw a Marketplace line, so we don't either. Walmart does, in three places you'll feel: "Items sold and shipped by a Marketplace seller may be returned within 30 days" against 90 for the rest source, Walmart+ shipping "Excludes most Marketplace items" source, and promo codes are seller-specific: "Verify that the item is sold by the seller offering the promo code" source. Check the "Sold by" line before you count on any of the three.
• Returns and timing. Walmart's window: "You have 90 days after purchase or upon receipt to return most items unless noted in our exceptions" source, with shorter ones in store: "Most Consumer Electronics are returnable within 30 days. Wireless phones are returnable within 14 days." And a longer one for the holidays: "Most items purchased in-store or online from October 1 through December 31 are returnable until January 31" source. That 90 days is why the portals make you wait: TopCashback holds cashback "until the retailer's return period is over (because any items that are returned will disqualify your Cash Back)" source, and Price.com's "approximately 90 days" is the same window from the other side source. Walmart Cash reverses too: "If you earned Walmart Cash and then return the item, the Walmart Cash previously awarded will be deducted from your Walmart Cash balance", and "This may give you a negative balance" source.

What breaks tracking at any store, Walmart included (the pillar guide has the portals' own wording on each):

• A second coupon or cashback extension that fires after the one you're earning with, so its click is the last one Walmart sees.
• Starting on one device and finishing on another, including clicking through on a laptop and buying in the Walmart app. The click has to happen where the checkout happens.
• Ad blockers, cookie blocking, and on TopCashback's own warning, Safari.
• Items already in the cart before the click. TopCashback states the empty-cart rule outright on its Walmart page, and Walmart carts tend to hold last week's groceries.
• A return, an exchange or a cancellation, which reverses the commission the cashback was going to be paid from. At TopCashback that's the whole order, not just the returned item.