Even in this age of credit and digital purchases, sometimes you just need cash. If you don’t want to bother going to a bank or ATM, you can often get cash back at the grocery store by requesting it at the register when making a purchase. Kroger is a popular nationwide grocery store where customers can get cash back using a variety of payment methods. Keep reading to learn more about Kroger’s cash back limit, as well as other grocery stores that offer this same convenience.
Kroger’s Cash Back Policy
Kroger does not have a cash back corporate policy; instead, each store is free to establish its own policy. However, most Kroger stores do provide cash back at the register.
It is important to know that because each Kroger location is free to set its own policies regarding cash back, daily and transaction limits may vary from one store to the next, as does the types of payment methods customers can receive cash back with. Contact your local store for specific details.
However, we contacted multiple Kroger stores around the country and learned that most stores have implemented the following cash back policies:
Cash Back with a Debit Card
All Kroger stores we contacted allow between $50 and $100 in cash back on debit card transactions, including the Kroger 123 Reward prepaid debit card. Your card must run as a PIN-based debit transaction to get cash back. If you run your debit card as a credit card, you won’t be able to get cash back.
Cash Back with an EBT Card
Most Kroger stores do allow between $50 and $100 cash back on EBT card transactions, provided you have a cash balance through the Transitional Aid to Families with Dependent Children (TAFDC) program. Learn more about cash back benefits with your EBT card.
Cash Back with a Check
There is usually a much lower cash back limit when paying with personal checks at Kroger — about $20, in most cases. Kroger stores may require you to have a history of check writing at their store before you qualify for any cash back from your personal checks. Learn more about Kroger’s personal check policy.
Cash Back with a Credit Card
Kroger stores do not offer cash back on any credit card transactions, except for Discover card. Kroger participates in the Discover Cash Over program, which lets Discover Credit Card holders get cash back on their transactions as if they were using a debit card. Regular interest rates apply to the cash back. If you don’t have Discover but are interested in the cash over program, you can apply for a Discover card online. You may also be able to get cash back on your credit card if it has a PIN. The cash back limit for credit cards are likely to be the same as for debit cards: $50 to $100.
Cash Back at the Customer Service Desk
While customers usually get cash back at the register when making a purchase, you can also get cash back with a purchase at the customer service desk. You should opt to get your cash back at the customer service desk instead of the register if you need a lot of cash back. Most of the time, you can get more cash back at the customer service desk than at the register because customer service has more cash on hand. Although this amount varies, you can usually get over $100 at the customer service desk. A small fee (usually $3) applies to large cash back amounts. Contact your local store for details, as this amount varies widely.
Getting cash back on a purchase at the grocery store is an easy and convenient way to skip the bank or the ATM. Kroger stores offer cash back at most locations for customers paying with a debit card, and in certain cases when paying with a check or EBT card. Keep in mind that Kroger stores are free to establish their own cash back policies, so check with your local Kroger for specific information.
Interested in which other stores can give cash back on your transactions? See our article Stores That Give Cash Back for a complete list of stores where you can get cash back, their limits, and which payment types you can use. If you need to get a lot of cash back in a single transaction, see our article What Store Gives the Most Cash Back on Debit Card, etc? Answered. for a list of stores that will give $100 or more at once.