Does Target do cash back? How much cash back can you get at Target? At Target, you can get cash back when paying with a debit card and sometimes when paying with a gift card. We cover all the limits and fees that apply, alternatives to cash back for those paying with a credit card, and similar stores where you can get cash back.
Getting Cash Back at Target
Does Target give cash back? At most stores, Target offers cash back up to $40 when you pay with a debit card.
Since the Target website doesn’t have any information about this topic, we spoke to Target Corporate to find out more about cash back policies at Target stores throughout the United States. The representatives we contacted were well-informed and gave specific, detailed information about Target’s cash back policies for credit cards, debit cards, checks, and Target gift cards, which you’ll find below.
With a Credit Card (Including a Target RED Credit Card)
Target cannot give cash back on purchases made with a credit card, even if you’re using a Target RED credit card.
However, Target does offer cash advances on the Target Mastercard. With a Target Mastercard, you can take out a cash advance at an ATM or in person at a bank, money transfer service, or a casino. You’ll need a PIN to use a Target Mastercard at an ATM. You can manage your PIN on Target’s website. If you can’t remember your Target Mastercard PIN or need to set one up, visit the REDcard page, choose “Easy Activation and Card Management,” and log in. Then, select “Account Services,” followed by “Manage Your PIN.”
With a Debit Card (Including a Target RED Debit Card)
Target offers cash back when you use a debit card, including a Target RED debit card. Target will not charge you a fee for this service, but your bank might. There’s no set minimum for cash back with debit card purchases, and the maximum amount of cash back you can get with a debit card is typically $40 (although these limits may vary by store). Be aware that your debit card/checking account may have a daily limit on how much you can withdraw. You can ask for cash back at the register and your Target cashier will provide it to you.
A cash back option is not always available at self check-outs, and if it is, it is sometimes available only in limited denominations; it’s a good idea to check with an attendant before you try to get cash back with a debit card from a self-checkout.
With a Personal Check
Target will not give cash back if you pay with a personal check. If getting cash back via a check is the most important thing for you, check out our article: The List of Places That Give Cash Back When Paying with a Personal Check
With a Target Gift Card
A representative from Target Corporate verified that only some states offer cash back for a Target gift card. In order to get cash back, the total amount on your gift card must not exceed the state’s maximum cash back limit. Depending on the state, your gift card may have no more than $0.99 to $9.99 remaining on the card (if cashing it out is possible at all). Cashing out a Target gift card is possible in the following states and according to the following limits:
- California: $9.99 maximum left on your gift card
- Colorado: $4.99 maximum
- Maine: $4.00 maximum
- Massachusetts: $4.99 maximum (verified by calling guest services at Target’s Boston South Bay location and Target Corporate)
- Montana: $4.99 maximum, but Target is not required to give you cash back if the original gift card load was $5.00 or less
- New Jersey: $4.99 maximum left on your gift card, but Target is not required to give you cash back until at least part of the card value has been redeemed
- Oregon: $4.99 maximum, but Target is not required to give you cash back until at least part of the card value has been redeemed; you also cannot use the card online and then get cash back in the store for the remaining balance, even if $4.99 or less remains on the card
- Rhode Island: $0.99 maximum (verified through calling guest services at Target’s Bald Hill Plaza location and Target Corporate)
- Texas: $2.49 maximum
- Vermont: $0.99 maximum
- Washington: $4.99 maximum
Some store managers will not offer cash back at specific locations, even if a state officially allows cash back up to a certain amount. For example, the Colorado Springs East Super Target does not allow customers to cash out Target gift cards, no matter how small the amount on the card. If your Target does allow cash back for gift cards, you can ask for cash back at the register, present your gift card with the appropriate balance, and your Target cashier will provide the cash to you.
Getting Cash from an ATM in Target
You can get cash at Target if your Target has an ATM. Although there’s no way to check online whether or not your local Target has an ATM (through the Target store locator tool, for example), you can call your local Target and ask to speak to guest services.
If your local Target does have an ATM, you’ll need to be aware of whether or not your bank reimburses ATM fees for ATMs outside of its network, and, if they do, the maximum amount of fees they’ll reimburse each month. Target will not charge any additional fees beyond what the ATM’s service provider (i.e., the bank who owns the ATM) charges to those who are not members or part of its network.
Other Places to Get Cash Back
Look for a different store to get cash back at? Grocery stores, pharmacies, convenience stores, and more usually offer cash back on debit card purchases, and sometimes when you pay with a personal check or credit card too. For a complete list of stores that give cash back, see out article, Stores That Give Cash Back on Checking, Debit, and Credit Transactions.
If you need a lot of cash back at once, skip straight to our article What Store Gives the Most Cash Back on Debit Card, etc? Answered for a list of stores where you can get more than $100 cash back on a single transaction.
If you’re hoping to use a debit card or a gift card to get cash back, Target is a convenient place to do just that, provided you don’t need more than $40. At Target, you can shop for groceries, pickup prescriptions, use the photo center, or even get an eye exam. Because you can also get cash back at Target, you won’t waste any time driving to multiple places, like the bank, as you run your errands.