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

Short Answer: Many stores, including 7-Eleven, Circle K, Albertsons, Giant Eagle, CVS, Walgreens, Target, and Walmart, will give you cash back over your purchase 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 is unlikely that you will 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 on checking, debit, and credit transactions.

How to Get Cash Back

When Paying With a Debit Card

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

When Paying 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 will allow you to get cash back on a credit card transaction. Additionally, most credit card issuers, themselves, don’t allow you to use the card to get cash back.

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 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.

Discover is the most well-known credit card issuer that allows cash back with its 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. 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, see our list of six ways to get cash with a credit card.

When Paying with a Personal Check

To get cash back when paying with a check, you will need to request it from the cashier directly. If you are 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 you are specifically looking for places where you can get cash back on your personal check, we list the stores that offer cash back on checks.

Cash-Back Fees and Expenses

It is usually free to get cash back, but you should keep an eye out for the following expenses or fees:

  • Minimum purchase requirements
  • Fees and interest from credit card issuers
  • Fees for cash back — usually charged for amounts over $100, but can be charged for 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.

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. We confirmed the details of each store’s cash-back policy by contacting several store locations and/or researching the stores’ policies as posted on their websites.

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 through the Discover Cash Over program.

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

Store Limit Conditions
7-Eleven $10 Debit only
Casey's General Store $20 Debit only
Circle K $40 Debit only
Dollar General $40 Debit only
Dollar Tree $50 Debit only; $1 fee
Family Dollar $50 Debit only
Kum & Go $20 Debit only
Kwik Trip / Kwik Star $20 Debit only
Albertsons $100 to $300 Debit or Discover credit only
ALDI $100 Debit only
Food Lion $200 debit or EBT; $50 check $100 limit without purchase
Fred Meyer $300 $0.50 fee for cash back up to $100; $3.50 fee thereafter
Giant Eagle $50 debit; $30 checks None
Hannaford $100 Debit, Discover credit, and checks only
H-E-B $50 Debit and checks only
Hy-Vee $60 Debit only
JayC $100 Debit and Discover credit only
Kroger $300 debit, $120 Discover credit, $20 check $0.50 fee for cash back up to $100; $3.50 fee thereafter
Mariano's $100 Debit and Discover credit only
Meijer $50 debit; $25 check None
Publix $100 None
Raley's Supermarkets $10 to $60 Debit only
Safeway $200 Debit and Discover credit only
Save Mart Supermarkets / S-Mart $200 to $300 Debit only
Shoppers Food Warehouse $300 at register, $100 self-checkout Debit only
ShopRite $200 debit, $120 Discover credit Debit and Discover credit only
Trader Joe's $50 None
Vons $200; $25 for checks Debit, check, and Discover credit only
Whole Foods $100 Debit only
Winn-Dixie $100 Debit and Discover credit only
Staples $40 None
CVS $35 Debit only
Rite Aid $40 Debit only
Walgreens $20 Debit only
Costco $60 Membership required
Kmart $50 Debit only
Target $40 debit, $20 check Debit and checks only; $20 increments
Walmart $100 debit, $20 check $20 increments only

Convenience Stores

7-Eleven

  • Limit: $10
  • Conditions: Only available for debit card transactions; most locations limit cash back to two transactions per day
  • Find a 7-Eleven

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

Casey’s General Store

Circle K

  • Limit: $40
  • Conditions: Only available for debit card purchases.
  • Find a Circle K

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

Dollar General

  • Limit: $40
  • Conditions: Only available for debit card transactions; you can get cash back in increments of $10.
  • Find a Dollar General

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

Dollar Tree

  • Limit: $50
  • 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)
  • Find a Dollar Tree

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

Family Dollar

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

Kum & Go

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

Kwik Trip / Kwik Star

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

Gas Stations

Our previous research has the list of gas stations that offer cash back.

Grocery Stores

Albertsons

  • Limit: $100 to $300 for debit card transactions, depending on the store; $120 for Discover credit
  • Conditions: Only available for debit card and Discover credit transactions
  • Find an Albertsons

ALDI

  • Limit: $100 for debit card transactions
  • Conditions: Only available for debit card transactions
  • Find an ALDI

Food Lion

  • Limit: $200 for debit card transactions, $50 on personal checks
  • Conditions: You 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; you can request up to $100 cash back when not making a purchase.
  • Find a Food Lion

Fred Meyer

  • Limit: $300 for debit card transactions
  • Conditions: $0.50 fee for cash back up to $100 and $3.50 fee for amounts from $100.01 to $300
  • Find a Fred Meyer

Giant Eagle

  • Limit: $50 for debit card transactions, $30 on personal checks
  • Conditions: None
  • Find a Giant Eagle

Hannaford

  • Limit: $100
  • Conditions: Only available for debit, Discover credit, and personal check transactions
  • Find a Hannaford

H-E-B

  • Limit: $50
  • Conditions: Only available for debit and personal check transactions
  • Find an H-E-B

Hy-Vee

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

JayC

  • Limit: $100
  • Conditions: Only available for debit and Discover credit transactions
  • Find a JayC

Kroger

  • Limit: $300 for debit card transactions, $120 for Discover credit, and $20 for personal checks
  • Conditions: $0.50 fee for cash back up to $100 and $3.50 for amounts from $100.01 to $300.
  • Find a Kroger

Note: Our dedicated article has more details on the Kroger cash-back policy.

Mariano’s

  • Limit: $100
  • Conditions: Only available for debit and Discover credit transactions; you cannot get cash back when using coupons
  • Find a Mariano’s

Meijer

  • Limit: $50 for debit card transactions, $25 for personal checks
  • Conditions: None specified
  • Find a Meijer

Publix

Raley’s Supermarkets

Safeway

  • Limit: $200
  • Conditions: Only available for debit and Discover credit transactions
  • Find a Safeway

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

Save Mart Supermarkets / S-Mart

  • Limit: $200 to $300 (varies by location)
  • Conditions: Only available for debit card transactions
  • Find a Save Mart

Shoppers Food Warehouse

ShopRite

  • Limit: $200 on debit card transactions; $120 on Discover credit transactions
  • Conditions: Only available for debit and Discover credit transactions
  • Find a ShopRite

Trader Joe’s

Vons

  • Limit: $200; $25 for personal check transactions
  • Conditions: Only available for debit, check, and Discover credit transactions
  • Find a Vons

Whole Foods

Note: See more in our article on the cash-back policy at Whole Foods.

Winn-Dixie

  • Limit: $100
  • Conditions: Only available for debit and Discover credit transactions
  • Find a Winn-Dixie

Office Supply Stores

Staples

Pharmacies

CVS

  • Limit: $35
  • Conditions: Only available for debit card transactions
  • Find a CVS

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

Rite Aid

  • Limit: Usually $40, but varies by store
  • Conditions: Only available for debit card transactions
  • Find a Rite Aid

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

Walgreens

  • Limit: $20
  • Conditions: Only available for debit card transactions
  • Find a Walgreens

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

Superstores

Costco

  • Limit: $60
  • Conditions: Must be a Costco member
  • Find a Costco (click “Find a Warehouse” at the top of the page)

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

Kmart

  • Limit: $50
  • Conditions: Only available for debit card transactions
  • Find a Kmart

Target

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

Walmart

  • Limit: $100 for debit card transactions, $20 for personal checks
  • Conditions: Only available in increments of $20
  • Find a Walmart

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

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 near you 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 corporate headquarters to verify that the following stores don’t offer cash back during checkout:

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

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

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!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Ziyanda,

      We’re so glad to hear that the article was helpful to you — thanks for writing in!