Getting cash back at the register allows you to skip a trip to the bank or ATM and instead get the cash you need while at the register of your favorite store. It’s fast, convenient, and usually free of charge. While some stores only allow small cash back amounts, such as $10 or $20, others give up to $100 — or more!

Keep reading to find out how to get cash back at the register and which stores will put the most cash back in your pocket.

In This Article

  • How Do I Get Cash Back?

    • Cash Back with a Debit Card
    • Cash Back with a Credit Card
    • Cash Back with a Personal Check
  • Are There Fees Associated with Getting Cash Back?

  • Stores That Give the Most Cash Back ($100+)

How Do I Get Cash Back?

Getting cash back at the register is quite easy, thanks to user-friendly POS systems and card readers. Most stores do not have a minimum purchase amount, so you could buy any one item — costing even less than $1 — and still receive cash back.

You can receive cash back when paying with a debit card. However, in some cases, you can also get cash back when paying with a credit card or personal check.

Cash Back with a Debit Card

Pay for your purchase as usual by swiping (or inserting, if your card has a chip) your debit card through the card reader and entering your personal identification number (PIN). Note: The card reader may ask you if you want to use your purchase to be processed as debit or credit. If you choose credit, you will unlikely be able to get cash back. If you want cash back, make sure to choose the debit option.

The reader will ask if you want cash back. Once you enter yes, the reader will then prompt you to choose an amount listed on the screen or enter another amount. Once the card is approved, you will be charged for the total amount of the purchase, plus the cash withdrawal amount. The cashier will hand you the desired cash back, along with your receipt.

Cash Back with a Credit Card

While credit cards usually don’t allow for cash back, one exception is the Discover card. The Discover Cash Over feature lets you get cash back within your credit limit at participating stores, with no additional cash withdrawal fees. Note that the amount you can withdraw will depend on the store’s cash back policy. Find a list of stores that participate in Discover’s Cash Over program here. Follow the same steps for getting cash back with a debit card.

Cash Back with a Personal Check

Some stores allow you to get cash back using a personal check. With this process, you write the check for the amount of your purchase, plus the amount of cash back you want. For example, if your purchase total is $3.72 and you want $20 cash back, you make out a check for $23.72, and the cashier hands you $20 in change.

Are There Fees Associated With Getting Cash Back?

Most stores do not charge a fee for getting cash back at the register because it’s a convenience they provide their customers.

While some stores do charge a small cash back fee (usually $1 – $3), none of the stores on our list charge a fee to receive cash back.

Stores That Give the Most Cash Back ($100+)

Many grocery stores, retail stores, convenience stores, and pharmacies offer cash back at the register, but some types of stores tend to have higher cash back limits than others. In our research, we found that grocery stores and large retail department stores give the most cash back.

Here’s our list of stores that offer the most cash back at the register. We verified this information by contacting customer service representatives.

1. Albertsons

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash back limit: $100 to $300 (varies by store); Discover credit limited to $120
  • Find a store here.

2. Aldi

  • Accepted payment methods for cash back: Debit card
  • Cash back limit: $100
  • Find a store here.

3. Food Lion

  • Accepted payment methods for cash back: Debit card and personal check
  • Cash back limit: With debit cards, $200 and with personal checks, $50
  • Find a store here.

4. Hannaford

  • Accepted payment methods for cash back: Debit card, Discover credit, and personal check
  • Cash back limit: $100
  • Find a store here.

5. Jewel-Osco

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash back limit: $100
  • Find a store here.

6. Kroger / JayC / Mariano’s

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash back limit: $100 at register and self-checkout
  • Find a store here.

7. Safeway

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash back limit: $200
  • Find a store here.

8. Save Mart Supermarkets / S-Mart

  • Accepted payment methods for cash back: Debit card
  • Cash back limit: $200 to $300 (varies by location)
  • Find a store here.

9. Shoppers Food Warehouse

  • Accepted payment methods for cash back: Debit card
  • Cash back limit: $300 at the register and $100 at self-checkout
  • Find a store here.

10. ShopRite

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash back limit: With debit $200; with Discover credit $120
  • Find a store here.

11. Walmart

  • Accepted payment methods for cash back: Debit card, Discover credit, and personal check
  • Cash back limit: With debit $100 at the register and $60 at self-checkout; with Discover credit $60; and with personal checks $20
  • Find a store here.

12. Whole Foods

  • Accepted payment methods for cash back: Debit card
  • Cash back limit: $100
  • Find a store here.

13. Winn-Dixie

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash back limit: $100
  • Find a store here.

In Summary

Getting cash back at the register allows you to get the cash you need without making an extra trip to the bank or ATM. We located a number of stores that give $100+ cash back at the register and don’t charge any fees for doing so. Our research revealed that grocery stores and large retail department stores are most likely to give the most cash back at the register. While all stores on our list gave cash back with a debit card purchase, many also gave cash back to customers who pay with a Discover card or personal check.