What are the stores that give cash back?

Chances are you’ve been there: you’re going on vacation, and you need to take some cash with you, in case anything happens. Safe, right? Only catch is, you forgot to go to the ATM, and you’re fresh out of tangible dollar bills. Well, the good news is that many stores, primarily grocery stores, offer cash back as an option at checkout.

But what exactly is cash back? Does it have anything to do with a rewards system?

No, that’s a different method of cash back, normally having to do with the card you’re using. This article details the other method of cash back, which means that when you’re paying with any debit card, credit card, or check, the option to withdraw money from your account (or line of credit) is offered.

Places That Give Cash Back on Checks, Debit Card or Credit Card Transactions

Grocery Stores

Food Lion

JayC

Mariano’s

Whole Foods

Meijer

Safeway

Publix

Convenience Stores

Giant Eagle

7-Eleven

Superstores

Walmart

Target

Pharmacies

CVS

Rite-Aid

Walgreens

Office Supply Stores

Staples

Stores That Don’t Offer Cash Back During Checkout

Most grocery stores, pharmacies and convenience stores offer cash back during checkout. However, it’s a little bit of a hit or miss in terms of clothing stores. For instance, H&M does not offer cash back. Forever 21 does not either. This information has been verified by calling corporate on both instances. So, if you’re at the mall, and you need cash, it’s safer to just go to the nearest convenience stop in or around the mall, rather than try your luck at clothing stores.

Other such stores that do not tend to offer cash back tend to be home decor, such as Pottery Barn. Another is Restoration Hardware. After calling several home decor stores, it’s safe to say you should just stick to using the other form of cash back, where your credit card gives you points on purchases.

How to Get Cash Back in Stores Using a Credit Card or Debit Card

Let it be known now, 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, it 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.

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 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.

How to Get Cash Back By Using Check

Simply write a check for the amount of your purchase + the amount of cash back you’d like to receive. Simple as that.

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 for 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, unless you count one of two things:

  • 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. Add to that the fact that ATMs are still found in quite a few stores, and you have a pretty clear picture.

Word to the Wise

While these cash back limits do apply, they only apply per transaction. We’ve covered this beforehand, but if you need more than $100, which is Walmart’s cash back limit per transaction, you’ll need to make separate transactions. Just beware: you may hit your credit limit, or even your debit card transaction limit for the day.

On another note, if you have a MasterCard, and need to know what specific stores offer cash back in your immediate area, this page will be of assistance. Despite our research, it’s absolutely important to look through the list and double-check before heading out the door.

Visa is a little more cryptic about the stores available, providing the vague description of “many merchants.” From our experience, it’s always best to call the store ahead of time, to ensure that particular branch offers the service, rather than waste your time. Cash back limits vary by store, so it’s smart to contact specific branches directly.

Stores That Offer Cash Back Recap

Most people associate cash back with rewards systems and store cards. While that’s definitely one definition, cash back also means being able to withdraw money from your bank account when purchasing items with a debit card at a store. It saves time, fees, and the effort of having to find an ATM in the first place.

Clearly, there are many stores that provide the service these days. Whatever the case, if you’re going on vacation, or you’re just the type of person that needs to carry around some cash, you can be covered.

Question? Get it answered within 24 hours by leaving a comment below.