38 Stores That Give Cash Back on Check, Debit, and Credit Transactions

Many stores, including 7-Eleven, Circle K, Albertsons, Giant Eagle, CVS, Walgreens, Target, and Walmart, offer cash back when you pay with a debit card or check.

Asking for cash back allows you to avoid ATM fees and save yourself an extra trip to the ATM or bank. Usually, it’s free to get cash back, and there’s often no minimum purchase amount.

However, it’s less likely that you’ll be able to get cash back on most credit card transactions.

Below, we list the convenience stores, grocery stores, office supply stores, pharmacies, and superstores that give cash back, including their limits and payment options.

What to Know Before Getting Cash Back

How to Get Cash Back

With a Debit Card

Requesting cash back when making a purchase with your debit card is fairly straightforward, both at the register and at self-checkout.

You can charge your card for both the purchase amount and cash-back amount in the same transaction.

Follow these steps to get cash back with your debit card:

• Swipe or insert your card as usual.
• Select “Yes” for cash back and select the amount you want.
• If prompted, select which denomination of bills you want.
• Enter your pin and confirm your purchase. The cashier or self-checkout register will give you your receipt and the cash back.

With a Credit Card

The steps for getting cash back with a credit card are the same as with a debit card, but few stores or credit card issuers will allow you to get cash back with a credit card.

Typically, if you use a credit card to get cash back (at a store that allows it), 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 it does for regular purchases.

For this reason, getting cash back with a credit card can be more expensive than just going to the ATM and paying the small fee.

Discover is the most well-known credit card issuer that allows cash back with its “cash over” program.^[1] With this program, you can get fee-free cash back on purchases at participating stores the same way you would with a typical debit card.

For more information on Discover’s cash-back program, see our research on getting cash back from a credit card.

If you need to get cash back using your credit card and your issuer doesn’t allow you to get cash back at the register, see our list of six ways to get cash with a credit card.

With a Personal Check

To get cash back when paying with a check, you’ll need to request it from the cashier directly.

If you’re able to get cash back in the amount you want, you should make the check out for the total price of your purchase plus the amount of the cash back. For example, if your groceries cost $40 and you want $20 cash back, write your check for $60.

Note that many stores have a lower limit for cash back from a check than from a debit card transaction, if they accept checks at all. This is due to the increased risk of fraud with check transactions.

If you’re specifically looking for places where you can get cash back this way, see our list of stores that offer cash back on checks.

Fees and Expenses

It’s usually free to get cash back.

However, you should keep an eye out for the following expenses or fees:

• Minimum purchase requirements
• Fees/interest from credit card issuers
• Retailer fees for cash back — usually charged for amounts over $100, but may apply to any cash-back transaction, depending on the store’s policy

Note: Sometimes, you won’t be able to complete a large cash-back transaction at the register; you may have to go to the customer service desk instead.

Comparison Table

See the table below for a comparison of cash-back limits and conditions, then select any store or scroll for more details.

The List

Below, we list the stores that offer cash back — mainly convenience stores, grocery stores, and superstores. Specialty retailers that sell products like clothing and home furnishings rarely offer cash back.

We confirmed the details of each store’s policy by contacting several store locations and/or researching the stores’ policies as posted on their websites, and we’ve ordered the list starting with the best overall options for each category.

Note: As mentioned above, if you’re using a Discover credit card, you can get cash back (even at some stores where the usual cash-back policy is debit-only) through the Discover Cash Over program.

Convenience Stores

Family Dollar

• Limit: $50^[2]
• Conditions: Only available for debit card purchases;^[2] see our dedicated article on the Family Dollar cash-back policy.
• Find a store

Circle K

• Limit: $40^[3]
• Conditions: Only available for debit card purchases;^[3] see our article for more details about Circle K’s cash-back policy.
• Find a store

Dollar General

• Limit: $40^[4]
• Conditions: Only available for debit card transactions; you can get cash back in increments of $10.^[4] See more in our article on Dollar General’s cash-back policy.
• Find a store

Casey’s General Store

• Limit: $20^[5]
• Conditions: Only available for debit card purchases^[5]
• Find a store

7-Eleven

• Limit: $10^[6]
• Conditions: Only available for debit card transactions; most locations limit cash back to two transactions per day.^[6] Find out more in our article about 7-Eleven’s cash-back policy.
• Find a store

Kum & Go

• Limit: $20^[7]
• Conditions: Only available for debit card purchases; Kum & Go accepts Visa, Mastercard, and Discover debit^[7]
• Find a store

Kwik Trip/Kwik Star

• Limit: $20^[8]
• Conditions: Only available for debit card transactions; Kwik Trip and Kwik Star accept Visa, Mastercard, and Discover debit^[8]
• Find a store

Dollar Tree

• Limit: $50^[9]
• Conditions: Only available for debit card transactions; there is a $1 cash-back fee, and cash back is available in increments of $10 (though you can request $1 and $5 bills).^[9] Find more details in our article on Dollar Tree’s cash-back policy.
• Find a store

Grocery Stores

Kroger

• Limit: $300 for debit card transactions, $120 for Discover credit, and $20 for personal checks^[10]
• Conditions: $0.50 fee for cash back up to $100 and $3.50 for amounts from $100.01 to $300;^[10] our dedicated article has more details on the Kroger cash-back policy.
• Find a store

Albertsons

• Limit: $100 to $300 for debit card transactions, depending on the store; $120 for Discover credit^[11]
• Conditions: Only available for debit card and Discover credit transactions^[11]
• Find a store

Fred Meyer

• Limit: $300 for debit card transactions^[12]
• Conditions: $0.50 fee for cash back up to $100 and $3.50 fee for amounts from $100.01 to $300^[12]
• Find a store

Shoppers Food Warehouse

• Limit: $300 at the register and $100 at self-checkout^[13]
• Conditions: Only available on debit card transactions^[13]
• Find a store

Food Lion

• Limit: $200 for debit card transactions, $50 on personal checks^[14]
• Conditions: You can request up to $200 with an EBT card, and you can request up to $100 cash back when not making a purchase.^[14]
• Find a store

Safeway

• Limit: $200^[15]
• Conditions: Only available for debit and Discover credit transactions;^[15] find out more in our article on Safeway’s cash-back limit.
• Find a store

Vons

• Limit: $200; $25 for personal check transactions^[16]
• Conditions: Only available for debit, check, and Discover credit transactions^[16]
• Find a store

ShopRite

• Limit: $200 on debit card transactions; $120 on Discover credit transactions^[17]
• Conditions: Only available for debit and Discover credit transactions^[17]
• Find a store

Save Mart Supermarkets/S-Mart

• Limit: $200 to $300 (varies by location)^[18]
• Conditions: Only available for debit card transactions^[18]
• Find a store

Publix

• Limit: $100^[19]
• Conditions: None specified^[19]
• Find a store

ALDI

• Limit: $100 for debit card transactions^[20]
• Conditions: Only available for debit card transactions^[20]
• Find a store

Hannaford

• Limit: $100^[21]
• Conditions: Only available for debit, Discover credit, and personal check transactions^[21]
• Find a store

Winn-Dixie

• Limit: $100^[22]
• Conditions: Only available for debit and Discover credit transactions^[22]
• Find a store

Whole Foods

• Limit: $100^[23]
• Conditions: Only available for debit card transactions;^[23] see more in our article on the cash back policy at Whole Foods.
• Find a store

Mariano’s

• Limit: $100^[24]
• Conditions: Only available for debit and Discover credit transactions; you cannot get cash back when using coupons^[24]
• Find a store

JayC

• Limit: $100^[25]
• Conditions: Only available for debit and Discover credit transactions^[25]
• Find a store

Hy-Vee

• Limit: $60^[26]
• Conditions: Only available for debit card purchases; Hy-Vee accepts Visa, Mastercard, and Discover debit^[26]
• Find a store

Meijer

• Limit: $50 for debit card transactions, $25 for personal checks^[27]
• Conditions: None specified^[27]
• Find a store

Giant Eagle

• Limit: $50 for debit card transactions, $30 on personal checks^[28]
• Conditions: None^[28]
• Find a store

Trader Joe’s

• Limit: $50^[29]
• Conditions: None specified^[29]
• Find a store

H-E-B

• Limit: $50^[30]
• Conditions: Only available for debit and personal check transactions^[30]
• Find a store

Raley’s Supermarkets

• Limit: $10 to $60, depending on the store^[31]
• Conditions: Only available for debit card transactions^[31]
• Find a store

Office Supply Stores

Staples

• Limit: $40^[32]
• Conditions: None specified^[32]
• Find a store

Pharmacies

Rite Aid

• Limit: Usually $40, but varies by store;^[33] find out more in our dedicated article on Rite Aid’s cash-back policy.
• Conditions: Only available for debit card transactions^[33]
• Find a store

CVS

• Limit: $35^[34]
• Conditions: Only available for debit card transactions;^[34] see more in our article on the CVS cash back.
• Find a store

Walgreens

• Limit: $20^[35]
• Conditions: Only available for debit card and check transactions;^[35] see more in our article on the Walgreens cash-back limit.
• Find a store

Superstores

Walmart

• Limit: $100 for debit card transactions, $20 for personal checks^[36]
• Conditions: Only available in increments of $20;^[36] find out more about Walmart’s policy in our article on the cash-back limits at Walmart.
• Find a store

Target

• Limit: $40 on debit transactions; $20 on personal checks^[37]
• Conditions: Only available for debit card transactions and personal checks, and only in $20 increments^[37]
• Find a store

Kmart

• Limit: $50^[38]
• Conditions: Only available for debit card transactions^[38]
• Find a store

Costco

• Limit: $60^[39]
• Conditions: Must be a Costco member;^[39] see more in our article on Costco’s cash-back policy.
• Find a store

Gas Stations

See our previous research on gas stations that offer cash back.

Stores That Give the Most Cash Back

If you’re at a store and you need more cash back than the store allows, 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 when doing this.

If you need a relatively large amount of cash, instead of going through the checkout several times, see our list of stores that give the most cash back.

Stores That Don’t Offer Cash Back

Most grocery stores, pharmacies, and convenience stores offer cash back during checkout. However, most clothing, home goods, and home furnishings stores don’t.

We’ve checked with representatives from each of the following stores to verify that they don’t offer cash back during checkout:

• Forever 21
• H&M
• Hobby Lobby
• Pottery Barn
• RaceTrac (as previously reported)
• Restoration Hardware
• Speedway (as previously reported)
• Starbucks (cash back may be available at locations inside other stores like Target)
• Wawa (as previously reported)

If you need even more cash back, we explain how to write a check for cash and get it cashed.