When you pay with any debit card, credit card, or check, you can get cash back at many different stores. During checkout, you can withdraw money from your account (or credit card line of credit) at the same time that you’re making your purchases. Here’s the list of stores that offer cash back — they’re mainly grocery stores, convenience stores, and superstores, since stores that sell clothing and home furnishings don’t usually offer cash back.

Places That Give Cash Back on Check, Debit Card, and Credit Card Transactions

More details about each store can be found below the table.

Grocery Stores

Food Lion

  • Cashback limit: $200
  • Conditions: Customers can request up to $200 cash back with a debit card, up to $50 when writing a personal check and up to $200 with an EBT card; customers not making a purchase may request up to $100 cash back
  • Find your nearest branch and its hours here
  • Information was collected by calling Food Lion consumer relations

JayC

  • Cashback limit: $100
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Read more about cash back here

Mariano’s

  • Cash back limit: $100
  • Conditions: Cash back not given when using coupons
  • Find your nearest branch and its hours here
  • Read more about cash back here

Meijer

  • Cash back limit: $50
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Information was collected by calling corporate

Publix

  • Cash back limit: $100
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • You can read more about cash back, and ATM fees here

Safeway

  • Cashback limit: $100
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Information was collected by calling corporate

Whole Foods

  • Cashback limit: $100
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Information was collected by calling corporate

Convenience Stores

7-Eleven

  • Cash back limit: $10
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Information was collected by calling corporate

Giant Eagle

  • Cash back limit: $50
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Read more about cash back here

Superstores

Target

  • Cash back limit: $40
  • Conditions: None. Customers can retrieve money with or without a Target RED Card.
  • Find your nearest branch and its hours here
  • Read more about cash back here

Walmart

  • Cash back limit: $100
  • Conditions: Bills only available in multiples of $20. The limit for checks is $20.
  • Find your nearest branch and its hours here
  • Read more about cash back here

Pharmacies

CVS

  • Cash back limit: $35
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Information was collected by calling corporate

Rite-Aid

  • Cash back limit: $100
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Information was collected by calling corporate

Walgreens

  • Cash back limit: $20
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Information was collected by calling corporate

Office Supply Stores

Staples

  • Cash back limit: $40
  • Conditions: None specified
  • Find your nearest branch and its hours here
  • Information was collected by calling corporate

Stores That Don’t Offer Cash Back During Checkout

Most grocery stores, pharmacies and convenience stores offer cash back during checkout, but most clothing, home goods, and home furnishings stores do not offer cash back. We’ve checked with representatives from corporate headquarters to verify that the following stores don’t offer cash back during checkout.

  • Forever 21
  • H&M
  • Pottery Barn
  • Restoration Hardware

The Process of Getting Cash Back Using a Debit or Credit Card

Using a credit card to get cash back in any store will charge a cash advance fee that accrues interest immediately, at least in most cases. For this reason, getting cash back with a credit card may be more expensive than just going to the ATM.

However, there are cards that allow you to get cash back at no extra charge. One of these cards is the Discover it card which you can use at stores like Kroger, Food Lion, ShopRite, Sam’s Club, Walmart, and more. As a thank you for reading First Quarter Finance, get $50 cashback when you signup for a Discover card and make your first purchase within three months.

If you have a credit card, and you do get the option to get cash back, it will work just as the debit card. The details are as follows:

  1. Take your items to the register (note: there is no minimum amount you have to charge on your card—it can be $0.99 gum, and you’d be fine).
  2. Swipe or insert card, depending on the store. The machine will ask if you want cash back.
  3. The purchase amount and the cash back will be combined into one transaction. For instance, if the gum is 99 cents, and the cash back amount is $50, you’ll be charged $50.99.
  4. The cash back will be given in cash, and the machine will give you an option to choose the denomination of the bills unless the store only offers one denomination. One such store is Walmart, with multiples of $20.
  5. Once you’re done, you can go about your business with both cash and card. Your bank account will be charged the full amount of both the transaction, and the cash back, but will not acquire a fee, like at the ATM.

The Process of Getting Cash Back Using a Check

If you’d like to get cash back using a check, you’ll first need to be aware that many stores have a lower limit for cash back from a check than from a credit or debit card. For example, if you want cash back and are paying by check at Walmart, you can write the check for up to $20.00 over the purchase amount and receive cash back. This is according to the policy posted in-store. If you use a credit or debit card, you can get as much as $100 cash back. Simply write a check for the amount of your purchase + the amount of cash back you’d like to receive. Simple as that.

Once you’re determined the amount of cash back that you’ll be allowed to get using a check, you can simply write a check for the amount of your purchase plus the amount of cash back you’d like to receive (up to the maximum). Again, since your abilty to get cash back using a check will vary by the store you visit (as well as the amount you can get), plan on calling ahead or asking at the register before you rely on being able to get cash back using a check.

Which Stores Give the Most Cash Back?

If you need a relatively large amount of cash, you probably don’t want to go through the checkout line four different times just so you can get the maximum amount of cash back on different transactions. So which stores offer the highest cash back limits?

The top spot is a tie: Rite-Aid, Walmart, Publix, Safeway, Whole Foods, Mariano’s, and JayC all have a cash back limit of $100. That means that the biggest increment you can typically receive from cash back at any store is $100. More than that, and you’ll need to make multiple transactions to get the needed amount.

Keep in mind that while we’ve confirmed this information to the furthest extent that we can, it’s often up to individual store locations to set policies about cash back limits — so it’s always a good idea to ask at the checkout lane about the maximum amount of cash back available at that particular store. You can also use the location finders provided in the lists above to get the phone number to your local store and call ahead so that you can be certain that you’ll be able to get the cash you need before you even walk out the door.

Is Getting Cash Back Really Free?

Yes, selecting the cash back option during checkout is free; however:

  • In order to get cash back, you will need to purchase an item, even if it’s just a small, cheap item.
  • Your credit card’s provider may determine an interest fee/rate. This can be avoided by using select credit cards, like the Discover card, as described above.

Why Are People Still Using ATMs?

Honestly, some customers are unaware of this option during their transaction, due to just being in a hurry during checkout.

Word to the Wise

While cash back limits do apply, they only apply per transaction. If you need more than $100, which is Walmart’s cashback limit per transaction, you’ll need to make separate transactions. Be aware that you can hit your credit limit or even your debit card transaction limit for the day.

In Summary

Getting cash back at the store can save you time, fees, and the effort of having to find an ATM. While there are many stores that provide cash back at checkout, you may not be able to withdraw as much at the register as you would at an ATM, and not all stores offer cash back. If you’re using a credit card, you may be assessed a cash advance fee, so you’ll need to either use a debit card or choose a credit card that allows you to get cash back at the register without such a fee. It’s wise to check with a store you don’t see listed here by looking up their policy online or by contacting your nearest location before you go.