Your Walmart credit card cash back was likely denied because you exceeded the $20 daily limit for Quick Cash or your card’s total cash advance limit.
Quick Cash is a feature available with both the Walmart Mastercard and the Walmart store credit card. It allows you to withdraw $20 cash at the register when you make a purchase. And you won’t have to pay a cash advance fee, as the $20 will show up on your bill as a purchase.
The Walmart Mastercard also lets you withdraw cash from an ATM but charges a cash advance fee of 3% as well as interest that begins to accrue immediately.
If you’re denied from redeeming cash back rewards earned on your Walmart card, that’s a different story. It could be an honest mistake that you can clear up with a quick call to Synchrony Bank, the issuer, at 877-295-2080. And while your rewards won’t expire due to inactivity, you can lose them if your account closes or if it’s not in good standing (i.e., you’re missing payments).
Here’s why your Walmart credit card cash back was denied:
You already got Walmart Quick Cash once today. You can withdraw $20 – no more, no less – a maximum of once per day. Quick Cash is only available at the register.
You’re not making a purchase. Quick Cash is only available when you buy something (of any amount).
You’re over the cash advance limit. Although Quick Cash transactions are processed as payments, they count against your cash advance limit, which is a portion of your overall credit limit. Your Walmart credit card cash advance limit is listed on your monthly billing statement.
Synchrony made an error. If you’re looking for your cash back rewards but can’t find them, it’s possible Synchrony Bank made a mistake. Call them up at 877-295-2080 to check out the situation.
Your account’s not in good standing. You’ll be denied any unredeemed cash back you’ve earned if you miss payments or close your account.
Walmart participates in the Discover Cash Over program. You can get up to $120 cash back per day when you make a Walmart purchase using a Discover card. It works the same way as Walmart Quick Cash, in that the $120 withdrawal is billed at Discover’s regular purchase APR, without the normal cash advance fees.
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