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walmart no cash back


trostberg

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I have been using Walmarts to get cash while I travel and today had issues 3 times at 2 Walmarts so called Discover.

They said that Walmart has not renewed this arrangement and they are not sure what will be happening in the future. So need to find a Dollar General where Discover also has this type of arrangement.

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I have Discover (actually was my first card ever), and I like the card alot. As most know, its not the most accepted card, but the customer service is excellent, the fraud detection is good, the points system is simple, and they can be generous with limits and you can get a 12 month promo 0% APR usually once a year, if you call and ask. I like to use the 0% promo to pre-pay on long term debt, while I let monthly purchases go to the card, making sure I pay off the balance before the promo APR expires. I use it at all the big box stores, any bills that will accept it, and online. Otherwise, I go to my Amex or my Chase cards. I'm bummed to hear about not being able to get cash back on Discover from Walmart anymore, I also do this all the time. The "cash over" is not considered a cash advance, but rather just tacks onto the purchase, so you still get the 30 day grace period. I use it to have a bit of regular pocket money on hand to pay for discounted gas, tolls, etc. You dont get points on the cash you take out though. I prefer cashover to my debit card, because I don't like exposing my debit card to card swipers if I can help it. I'd prefer to have a fraud case on my credit card, than my bank acct!

 

I know Safeway participates in the cashover program, but their limit is $40. I know various other supermarkets also do this. You got me thinking and I did a search and found a list of places that participate in this program. I guess we can scratch out Sams/Walmart though: https://www.discover.com/credit-cards/member-benefits/cash-over-purchases.html

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I did get cash at Dollar General but there was a $1 service fee. Not sure if the others on your list note if there is a service fee. $40 max at Dollar General. The other stores she listed while I was on the phone are not in my travels in Missouri

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As a business owner (wannabee fulltimer) I am not surprised at the reluctance for the Discover card. I believe your right about the higher fees to the business owner. I am also a little surprised of the fact that retailers are offering the cash back option. They pay fees on all the monies that are credited on the card so for every dollar they give you in cash, they may only see $.97 and possibly less. Walmart as a high volume dealer in credit cards is probably not in the 3% range but none the less there is a cost involved.

Todd

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The problem I had was in Missouri but Discover when I called them directly seemed to indicate it was not a local issue.

I am back in a state where I have a bank that will cash a check. There were no Wells Fargos in MO and last year when I went through Louisianna none their either. I do have a Walmart Master card but have not used it for cash back. Do they give you cash back without a finance charge or cash advance fee?

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I would never use a "Credit Card" for cash back. I am sure they will be charging a "Cash Advance" charge. I will use my debit card to obtain cash from my checking account at a grocery store on occasion. One of my banks used to refund the ATM fee for up to 6 times a month but they retired that a couple years ago. I was OK with it since I had a Bank of America card and there were B of A branches nearly everywhere. Now a lot of them are closing. Might have to use the Credit Union network soon, can't decide which account I want to close. Both have been with me for a long time. Just don't want to have to watch Three.

 

Rod

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I would never use a "Credit Card" for cash back. I am sure they will be charging a "Cash Advance" charge.

Just what I have been thinking through this entire thread......... We use very little cash, but that could get expensive needlessly.

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The Discover Card has not charged a fee for cash back ( in the past ) at check out stand. Maybe at an ATM but then I do not use them unless I have to. Also when you pay the balance on your card in full every month there is not even an intrest charge. I do not like to carry a lot of cash around.

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