Kroger Cash Back Limit for Debit Cards, Credit, EBT, Checks, etc

Short Answer: You can get cash back at Kroger’s cashiered registers, customer service desks, and self-checkout stations. The limit is $300 for debit card purchases, $120 for Discover credit purchases, and $20 for check purchases. Kroger charges a fee of about $0.50 to $3.50 for cash back, and most locations also offer cash back on EBT cards with cash benefits. For more details of Kroger’s cash-back policy, including the fees, limits, and process for each payment method, see below.

Kroger Cash-Back Policy

Kroger stores offer cash back at the register, self-checkout, and customer service desk. The general corporate policy is to allow up to $300 cash back on debit card purchases. Most Kroger stores also allow you to get cash back using a check, Discover credit card, or EBT card. Each Kroger location may set its own policies regarding additional payment methods that allow cash back, so you may want to contact your local store for details if you wish to get cash back using something other than a debit card.

We contacted Kroger’s corporate customer service department, as well as Kroger stores in several states, to gather more information about the cash-back policies. Below, we detail the usual limits, fees, and cash-back process for each payment method.

Cash Back With a Debit Card

Kroger stores allow up to $300 in cash back on debit card transactions, including purchases using the Kroger REWARDS Prepaid Visa debit card. Most stores charge $0.50 for up to $100 cash back and $3.50 for cash back from $100.01 to $300, though the fee for transactions over $100 may vary at the discretion of store management.[1]

When you are paying for your items, the option to get cash back will appear on the card reader. Select the cash-back amount you want, and the cashier or self-checkout register will give you cash back.

Note that 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 a Credit Card

Kroger stores generally do not offer cash back on any credit card transactions, except for Discover cards. Kroger participates in the Discover Cash Over program,[2] which allows Discover credit cardholders to get up to $120 in cash back every 24 hours. While Discover does not charge an additional fee for this service, regular interest rates apply for the cash-back transaction.

The process for getting cash back with a Discover credit card is the same as using a debit card. You may also be able to get cash back on your non-Discover credit card if it has a PIN, though this is at the store’s discretion.[1]

Cash Back With a Check

There is usually a much lower cash-back limit when paying with a personal check — Kroger sets the limit at about $20, in most cases.[1] 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. Find out more about how to get cash back with a check in our dedicated article on Kroger’s personal check policy.

Cash Back With an EBT Card

Most Kroger stores allow between $50 and $100 cash back on EBT card transactions, provided you have a cash balance through a cash assistance program like Temporary Assistance for Needy Families (TANF).[1] See our list of qualifying programs for each state in our research on cash back benefits with your EBT card.

For more EBT cash-back options, see our research on surcharge-free EBT ATMs and EBT cash back at Walmart.

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. If you need a large amount of cash back, it may be better to visit the customer service desk since individual registers may not have enough cash on hand.[1]

Fees up to $6 may apply for large cash-back amounts — you can contact your local store for details, since limit and fee amounts vary.

Other Stores That Offer Cash Back

If there are no Kroger stores in your area, there are plenty of other places that offer cash back. Our related article features the list of more than 60 stores that give cash back. Additionally, if you need a large amount of cash, we have the list of which stores give the most cash back.