When you pay with a debit card, credit card, or check, you can get cash back at many stores. Typically, when paying you’ll ask the cashier to give you cash back on your purchase. If you’re paying with a check, you’ll write the check for more than the amount of your purchase, and the cashier will give you cash for the differences. If you’re paying with a card, the card swipe machine will often prompt to by asking whether you’d like cash back. Keep in mind not all credit cards allow you to pull cash from them and most charge a fee.

In this article, we list stores that provide cash back and their cash back limits. Note that limits are sometimes different depending on whether you’re paying with a debit card, credit card, or personal check.

In This Article

How to Get Cash Back

When Using a Debit Card

Getting cash back when making a purchase with your debit card is pretty straightforward. You can follow these steps:

  1. Go to the register to check out as usual
  2. When you swipe or insert card, the card machine will ask if you want cash back.
  3. Hit yes and input in the card machine how much cash back you want.
  4. If prompted, select which denomination of bills you want to get your cash back.
  5. The purchase amount and the cash back will be combined, and your card will be charged that amount.
  6. Enter your pin and confirm your purchase. The cashier will give you your receipt and the cash back.
  7. 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.

When Using a Credit Card

The steps for getting cash back with a credit card are the same as with a debit card, but stores will allow you to get cash back on a credit card transaction. Many credit cards themselves also don’t allow you to get cash back. While many credit cards will allow cash back (provided you’re at a store that also allows cash back on credit cards), most of the time if you use your credit card to get cash back the credit card company will consider the money a cash advance. Cash advances are subject to high fees, and interest starts accruing on them immediately, rather than at the end of your billing period, as with most purchases. For this reason, getting cash back with a credit card may be more expensive than just going to the ATM.

Credit cards that allow cash back without fees are few and far between. The most common is the Discover Credit card, which features a cash over program. With cash over, you can get cash back on purchases at participating stores the same way you would with a typical debit card.

It’s usually not the best option to get cash back with your credit card because of the high fees involved. If you absolutely need to get cash back using your credit card, also read our article, How to Get Cash from a Credit Card: 6 Ways to Do It.

When Paying with a Personal Check

If you write a check there’ll be no machine to ask whether you want cash back, so you’ll have to ask the cashier about cash back before you write the check. Ask if you can get cash back, and how much. Then, when you write your check, make it out for the total price of your purchase plus the amount of cash back you want. For example, if your groceries cost $37.46, and you want $20 cash back, write your check for $57.46.

Many stores have a lower limit for cash back from a check than from a credit or debit card. For example, if you want cash back and are paying by check at Walmart, you can write the check for up to $20.00 over the purchase amount and receive cash back. If you were to use a credit or debit card for the same purchase, you could get as much as $100 cash back.

Are you looking specifically for places where you can get cash back on your personal check? Take a look at our article, Where Can I Get Cash Back on a Personal Check?

Is Getting Cash Back Free?

Getting cash back is usually free, but not always. When getting cash back, you should keep an eye out for the following expenses or fees:

  • 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 provider will probably charge you a fee and interest. This can be avoided by using select credit cards, like the Discover card, as described above.
  • Some stores charge fees for cash back if you are getting a very large amount of cash back, usually over $100. Sometimes you won’t even be able to do these high cash back transactions at the register, but will have to go to the customer service desk instead.

Which Stores Give the Most Cash Back?

Stores set limits on the amount of cash back you can get per transaction. Limits vary based on your payment type (usually the limit is lower if you use a personal check) and where you’re checking out (if you use the self check out, the limit is usually lower). If you need more than the limit, you can usually make multiple transactions, and get cash back each time. Be aware that you can hit your credit card’s monthly limit or your debit card’s daily transaction limit doing this. 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?

Here are the stores that top the list, with cash back limits at $200 or more:

  • Albertsons: $100 to $300 on debit card transactions, specific limit varies by location
  • Food Lion: $200 on debit card transactions
  • Safeway: $200 on debit card or Discover credit transactions
  • Save Mart Supermarkets / S-Mart: $200-$300 on debit card transactions, specific limit varies by location
  • Shoppers Food Warehouse: $300 on debit card transactions at the register
  • ShopRite: $200 on debit card transactions

For the complete list of stores that give over $100 cash back on a single transaction, see our article: What Store Gives the Most Cash Back on Debit Card, Etc.?

Stores That Give Cash Back

Here’s the list of stores that offer cash back — they’re mainly convenience stores, grocery stores, and superstores. Stores that sell clothing and home furnishings rarely offer cash back. Browse the list, out use the links provided in the table to skip to store details.

Store:Store Type:Max:Conditions:
7-ElevenConvenience$50Debit only
Casey's General StoreConvenience$20Debit only
Circle KConvenience$40Debit only
Dollar GeneralDiscount$40Debit only; multiples of $10 only
Dollar TreeDiscount$50Debit only; $1 fee
Kum & GoConvenience$20Debit only
Kwik Trip/ Kwik StarConvenience$20Debit only
AlbertsonsGroceryup to $300Debit and Discover credit only
AldiGrocery$100Debit only
Food LionGroceryup to $200Debit, personal check, and EBT only
Giant EagleGroceryup to $50Debit and personal check only
HannafordGrocery$100Debit, Discover credit, and personal checks
Hy-VeeGrocery$60Debit only
JayCGrocery$100Debit and Discover credit only
KrogerGroceryup to $100Debit, personal check, and Discover credit
Mariano'sGrocery$100No cash back when using coupons; debit and Discover credit only
MeijerGroceryup to $50Debit and personal check only
PublixGrocery$100None Specified
Raley's SupermarketsGroceryup to $60Debit only
SafewayGrocery$200Debit only
Save Mart Supermarkets / S-MartGroceryup to $300Debit only
Shopper's Food WarehouseGroceryup to $300Debit only
ShopRiteGroceryup to $200Debit and Discover credit only
Trader Joe'sGrocery$50None Specified
Whole FoodsGrocery$100Debit only
Winn-DixieGrocery$100Debit and Discover credit only
StaplesOffice Supply$40None Specified
CVSPharmacy$35Debit only
Rite AidPharmacy$40Debit only
WalgreensPharmacy$20Debit only
CostcoSuperstore$60Must be a member
TargetSuperstoreup to $40Multiples of $20 only; debit and personal check only
WalmartSuperstoreup to $100Multiples of $20 only; debit and personal check only

Convenience Stores

1. 7-Eleven

  • Cash back limit: $10
  • Conditions: Cash back is only available on debit card transactions; most locations limit cash back to two transactions per day
  • Source: Calls to 7-Eleven corporate and several individual stores
  • Find a 7-Eleven
  • Read more on FQF: Does 7-Eleven Do Cash Back?

2. Casey’s General Store

  • Cash back limit: $20
  • Conditions: Cash back is only available on debit card purchases.
  • Source: Call to Casey’s General Store customer service.
  • Find a Casey’s General Store

3. Circle K

  • Cash back limit: $40
  • Conditions: Cash back is only available on debit card purchases.
  • Source: Call to Circle K customer service.
  • Find a Circle K

4. Dollar General

5. Dollar Tree

  • Cash back limit: $50
  • Conditions: Cash back is available on debit card transactions only; there’s a $1 fee for getting cash back; cash back is available in increments of $10 (though you can request $1 and $5 bills)
  • Source: Calls to several Dollar Tree stores
  • Find a Dollar Tree
  • Read more on FQF: Does Dollar Tree Do Cash Back? Complete Dollar Tree Cash Back Policy

6. Kum & Go

  • Cash back limit: $20
  • Conditions: Cash back is only available on debit card purchases. Kum & Go accepts Visa, MasterCard, and Discover Debit.
  • Source: Call to Kum & Go customer service.
  • Find a Kum & Go

7. Kwik Trip / Kwik Star

  • Cash back limit: $20
  • Conditions: Kwik Trip only gives cash back on debit card transactions. Kwik Trip and Kwik Star accept Visa, MasterCard, and Discover Debit.
  • Source: Call to Kwik Trip customer service.
  • Find a Kwik Trip or Kwik Star

Looking for more stores like these? See our complete list of Gas Stations That Do Cash Back.

Grocery Stores

8. Albertsons

  • Cash back limit: $100-$300 on debit card transactions, depending on the store; $120 on Discover credit
  • Conditions: Cash back is only available on debit card and Discover credit transactions
  • Source: Call to Albertsons’ customer service
  • Find a Albertsons

9. Aldi

  • Cash back limit: $100 on debit card transactions
  • Conditions: Cash back is only available on debit cards
  • Source: Call to Aldi customer service
  • Find an Aldi

10. Food Lion

  • Cash back limit: $200 for debit card transactions, $50 on personal checks
  • Conditions: Customers can request up to $200 cash back with a debit card, up to $50 when writing a personal check and up to $200 with an EBT card; customers not making a purchase may request up to $100 cash back
  • Source: Information was collected by calling Food Lion consumer relations
  • Find a Food Lion

11. Giant Eagle

12. Hannaford

  • Cash back limit: $100
  • Conditions: Cash back is available on debit card, Discover credit, and personal check transations
  • Source: Call to Hannaford customer service
  • Find a Hannaford

13. Hy-Vee

  • Cash back limit: $60
  • Conditions: Cash back is only available on debit card purchases. Hy-Vee accepts Visa, MasterCard, and Discover Debit.
  • Source: Call to Hy-Vee customer service.
  • Find a Hy-Vee

14. JayC

  • Cash back limit: $100
  • Conditions: Cash back is only available on debit card and Discover Credit transactions
  • Source: JayC FAQ
  • Find a JayC

15. Kroger

  • Cash back limit: $100 on debit card transactions at most locations, $20 on personal checks; you may be able to get larger amounts on debit card transactions at the customer service desk
  • Conditions: Cash back is only available on debit card and Discover Credit transactions; if you get a large amount of cash back at the customer service desk, a $3 fee usually applies
  • Source: Calls to Kroger corporate and multiple stores
  • Find a Kroger
  • Read more on FQF: The Kroger Cash Back Limit for Debit Card, Credit, EBT, Check, Etc.

16. Mariano’s

  • Cash back limit: $100
  • Conditions: Cash back is only available on debit card and Discover Credit transactions; no cash back when using coupons
  • Source: Customer service representative
  • Find a Mariano’s

17. Meijer

  • Cash back limit: $50 on debit card transactions, $25 on personal checks
  • Conditions: None specified
  • Source: Call to Meijer corporate
  • Find a Meijer

18. Publix

19. Raley’s Supermarkets

  • Cash back limit: $10 to $60, depending on the store
  • Conditions: Cash back is only available on debit card transactions
  • Source: Call to Raley’s customer service
  • Find a Raley’s Supermarket

20. Safeway

21. Save Mart Supermarkets / S-Mart

  • Cash back limit: $200 to $300 (varies by location)
  • Conditions: Cash back is only available on debit card transactions
  • Source: Call to Save Mart corporate
  • Find a Save Mart

22. Shoppers Food Warehouse

  • Cash back limit: $300 at the register and $100 at self-checkout
  • Conditions: Cash back is only available on debit card transactions
  • Source: Calls to several Shoppers Food Warehouse stores
  • Find a Shoppers Food Warehouse

23. ShopRite

  • Cash back limit: $200 on debit card transactions; $120 on Discover credit transactions
  • Conditions: Cash back is only available with debit card and Discover credit transactions
  • Source: Calls to several ShopRite stores
  • Find a ShopRite

24. Trader Joe’s

  • Cash back limit: $50
  • Conditions: None specified
  • Source: Call to Trader Joe’s corporate
  • Find a Trader Joe’s

25. Whole Foods

  • Cash back limit: $100
  • Conditions: Cash back is only available on debit card transactions
  • Source: Call to Whole Foods corporate
  • Find a Whole Foods

26. Winn-Dixie

  • Cash back limit: $100
  • Conditions: Cash back is available on debit card and Discover credit transactions
  • Source: call to Winn-Dixie customer service
  • Find a Winn-Dixie

Office Supply Stores

27. Staples

  • Cash back limit: $40
  • Conditions: None specified
  • Source: Call to Staples corporate
  • Find a Staples

Pharmacies

28 CVS

29. Rite Aid

30. Walgreens

Superstores

31. Costco

  • Cash back limit: $60
  • Conditions: Must be a Costco member
  • Source: Call to Costco corporate
  • Find a Costco (click “Find a Warehouse” at the top of the page)

32. Target

  • Cash back limit: $40 on debit transactions; $20 on personal checks
  • Conditions: Cash back is available only on debit card transactions and personal checks; cash back can only come in multiples of $20
  • Source: Call to Target corporate
  • Find a Target
  • Read more on FQF: Does Target do cash back?

33. Walmart

Stores That Don’t Offer Cash Back During Checkout

Most grocery stores, pharmacies and convenience stores offer cash back during checkout, but most clothing, home goods, and home furnishings stores do not offer cash back. We’ve checked with representatives from corporate headquarters to verify that the following stores don’t offer cash back during checkout.

  • Forever 21
  • H&M
  • Pottery Barn
  • QuikTrip
  • RaceTrac
  • Restoration Hardware
  • Speedway

In Summary

Getting cash back at the store can save you time, fees, and the effort of having to find an ATM. While there are many stores that provide cash back at checkout, you may not be able to withdraw as much at the register as you would at an ATM, and not all stores offer cash back. If you’re using a credit card, you may be assessed a cash advance fee, so you’ll need to either use a debit card or choose a credit card that allows you to get cash back at the register without such a fee. It’s wise to check with a store you don’t see listed here by looking up their policy online or by contacting your nearest location before you go.