Stores That Give Cash Back on Checking, Debit, and Credit Transactions

Short Answer: At many stores — including 7-Eleven, Circle K, Albertsons, Giant Eagle, Kroger, CVS, Walgreens, Target, and Walmart — you can get cash back over your purchase when paying 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. Below, we list the convenience stores, grocery stores, office supply stores, pharmacies, and superstores that give cash back on checking, debit, and credit transactions.

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 your card, the card machine will ask if you want cash back.
  3. Hit yes and type in or select 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 let you get 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.

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 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.
  • If using a credit card, your card’s issuer 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 — usually for amounts over $100, but sometimes for any cash back transaction, depending on the store’s policy. Sometimes you won’t be able to do 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 may be 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
  • Kroger: $300 on debit card transactions
  • Safeway: $200 on debit card 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 on the stores that give the most cash back.

Where to Get Cash Back

Below is the list of 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.

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

Convenience Stores

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
  • Find a 7-Eleven
  • Source: Calls to 7-Eleven corporate and several individual stores

Note: Find out more about 7-Eleven’s cash back policy in our dedicated article.

Casey’s General Store

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

Circle K

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

Note: See our article on Circle K’s cash back policy for more details.

Dollar General

  • Cash back limit: $40
  • Conditions: Cash back is available on debit card transactions only; you can get cash back in increments of $10
  • Find a Dollar General
  • Source: Calls to several Dollar General stores

Note: See more in our article on Dollar General’s cash back policy.

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)
  • Find a Dollar Tree
  • Source: Calls to several Dollar Tree stores

Note: Find more details in our article on Dollar Tree’s cash back policy.

Family Dollar

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

Note: See our dedicated article on the Family Dollar cash back policy.

Kum & Go

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

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.
  • Find a Kwik Trip or Kwik Star
  • Source: Call to Kwik Trip customer service

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

Grocery Stores

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
  • Find a Albertsons
  • Source: Call to Albertsons’ customer service

ALDI

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

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
  • Find a Food Lion
  • Source: Information was collected by calling Food Lion consumer relations

Fred Meyer

  • Cash back limit: $300 for debit card transactions
  • Conditions: Fees of $0.50 for cash back up to $100 and $3.50 for amounts from $100.01 to $300
  • Find a Fred Meyer
  • Source: Customer service representatives at several Fred Meyer locations

Giant Eagle

Hannaford

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

Hy-Vee

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

JayC

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

Kroger

  • Cash back limit: $300 on debit card transactions, $120 on Discover credit, and $20 on personal checks
  • Conditions: Fees of $0.50 for amounts up to $100 and $3.50 for amounts from $100.01 to $300
  • Find a Kroger
  • Source: Calls to Kroger corporate and multiple stores

Note: Our dedicated article on the Kroger cash back policy has more details on using this service at Kroger.

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
  • Find a Mariano’s
  • Source: Customer service representative

Meijer

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

Publix

Raley’s Supermarkets

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

Safeway

  • Cash back limit: $200
  • Conditions: Cash back is only available on debit card and Discover credit transactions
  • Find a Safeway
  • Source: Call to Safeway corporate

Note: Find out more in our article on Safeway’s cash back limit.

Save Mart Supermarkets / S-Mart

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

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
  • Find a Shoppers Food Warehouse
  • Source: Calls to several Shoppers Food Warehouse stores

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
  • Find a ShopRite
  • Source: Calls to several ShopRite stores

Trader Joe’s

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

Whole Foods

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

Note: See more in our article on the Whole Foods cash back FAQs.

Winn-Dixie

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

Office Supply Stores

Staples

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

Pharmacies

CVS

  • Cash back limit: $35
  • Conditions: Cash back is only available on debit card transactions
  • Find a CVS
  • Source: Call to CVS corporate

Note: See more in our article on the CVS cash back limit for each payment type.

Rite Aid

  • Cash back limit: Usually $40, but varies by store
  • Conditions: Cash back is only available on debit card transactions
  • Find a Rite Aid
  • Source: Call to Rite Aid corporate

Note: Find out more in our dedicated article on Rite Aid’s cash back policy.

Walgreens

  • Cash back limit: $20
  • Conditions: Cash back is only available on debit card transactions
  • Find a Walgreens
  • Source: Call to Walgreens corporate

Note: See more in our article on the Walgreens cash back limit.

Superstores

Costco

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

Note: See more in our article on Costco’s cash back policy.

Kmart

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

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
  • Find a Target
  • Source: Call to Target corporate

Walmart

  • Cash back limit: $100 for debit card transactions, $20 for personal checks
  • Conditions: Cash back is only available in denominations of $20 (e.g., you can’t get $25 cash back)
  • Find a Walmart
  • Source: Call to Walmart corporate

Note: Find out more about Walmart’s policy in our article on the cash back limits at 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.

Need more cash back? See our article on how to write a check for cash and how to get it cashed. For cash back at gas stations, see our list of gas stations that do cash back.

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15 comments

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi John,

      We just got word from Aldi that yes, they do, give cash back on debit card purchases, up to $100.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Rachel,

      Yes, Depending on the location, Raley’s Supermarket allows customers to request between $10-$60 cash back on debit card purchases.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Anne,

      I called Costco customer relations and learned that they do offer up to $60 cash back on purchases. I have updated the article to reflect this.

  • This is useful article. I used to get cash back at Food Lion when I was in North Carolina, but the limit was $100 (not $25) but that was 4 months ago (December 2016). May be they changed the policy after we moved out.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Timmy,

      Thanks so much for letting us know that you were able to receive $100 cash back at Food Lion. Food Lion consumer relations has provided us with the most recent information on their cash back policy, which includes up to $200 with a check, up to $200 with an EBT card, up to $50 with a personal check, and up to $100 for customers not making a purchase. We have updated the article to reflect these changes. Thank you!

  • I agree with Ziyanda. Your article was the first to pop up when I googled how to get cash back at stores. Thanks so much! It was super helpful!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Raine,

      We’re so glad the article could help you out! Thank you for reading!