At many stores, you can get cash back over your purchase when pay with a debit card or check. Asking for cash back is a handy way to avoid ATM fees, and save yourself an extra trip to the ATM or bank. Usually its free to get cash back, and there’s often no minimum purchase amount.

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 type in 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.

When Using a Credit Card

The steps for getting cash back with a credit card are the same as with a debit card, but few stores 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 some 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 it 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 can 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. You can apply for a Discover card online — coincidentally, it’s also one of the best cash back cards available.

If you absolutely need to get cash back using your credit card, see 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 will 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 to $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.?

Where to Get 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-Eleven Convenience $50 Debit only
Casey's General Store Convenience $20 Debit only
Circle K Convenience $40 Debit only
Dollar General Discount $40 Debit only; multiples of $10 only
Dollar Tree Discount $50 Debit only; $1 fee
Kum & Go Convenience $20 Debit only
Kwik Trip/ Kwik Star Convenience $20 Debit only
Albertsons Grocery up to $300 Debit and Discover credit only
Aldi Grocery $100 Debit only
Food Lion Grocery up to $200 Debit, personal check, and EBT only
Giant Eagle Grocery up to $50 Debit and personal check only
Hannaford Grocery $100 Debit, Discover credit, and personal checks
Hy-Vee Grocery $60 Debit only
JayC Grocery $100 Debit and Discover credit only
Kroger Grocery up to $100 Debit, personal check, and Discover credit
Mariano's Grocery $100 No cash back when using coupons; debit and Discover credit only
Meijer Grocery up to $50 Debit and personal check only
Publix Grocery $100 None Specified
Raley's Supermarkets Grocery up to $60 Debit only
Safeway Grocery $200 Debit only
Save Mart Supermarkets / S-Mart Grocery up to $300 Debit only
Shopper's Food Warehouse Grocery up to $300 Debit only
ShopRite Grocery up to $200 Debit and Discover credit only
Trader Joe's Grocery $50 None Specified
Whole Foods Grocery $100 Debit only
Winn-Dixie Grocery $100 Debit and Discover credit only
Staples Office Supply $40 None Specified
CVS Pharmacy $35 Debit only
Rite Aid Pharmacy $40 Debit only
Walgreens Pharmacy $20 Debit only
Costco Superstore $60 Must be a member
Target Superstore up to $40 Multiples of $20 only; debit and personal check only
Walmart Superstore up to $100 Multiples 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 in our article: 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

6. Family Dollar

  • Cash back limit: $50
  • Conditions: Cash back is only available on debit card
  • Source: Call to Family Dollar customer service
  • Find a Family Dollar

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 transactions
  • 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. Kmart

  • Cash back limit: $50
  • Conditions: Cash back is available only on debit card transactions
  • Source: Kmart customer service
  • Find a Kmart

33. 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

34. Walmart

Where You Can’t Get Cash Back

Most grocery stores, pharmacies, and convenience stores offer cash back during checkout, but most clothing, home goods, and home furnishings stores don’t. 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 while shopping can save you time, fees, and the effort of having to find an ATM. While cash back is available at many stores, 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 probably won’t be able to get cash back, and if you do, you may be assessed a cash advance fee. It’s best to use a debit card, personal check, or choose a credit card that allows you to get cash back at the register without such a fee. For the list of gas stations that give cash back, see our article: The List of Gas Stations That Do Cash Back + Which Ones Don’t…