What Store Gives the Most Cash Back on Debit Cards, Checks, etc? Solved

Short Answer: Getting cash back at the register allows you to skip a trip to the bank or ATM and instead get the cash you need while checking out at your favorite store. While some stores only allow small cash-back amounts, such as $10 or $20, others like Albertsons, Food Lion, Kroger, Safeway, and Walmart give up to $100 or more. For the list of stores that give the most cash back at the register, see below.

How Do I Get Cash Back?

User-friendly point-of-sale systems and card readers allow a simple way for you to get cash back at the register while paying for your order. Most stores do not have a minimum purchase amount, so you could buy any one item — even one costing less than $1 — and still receive cash back.

You can receive cash back when paying with a debit card. However, in some cases, you can also get cash back when paying with a credit card or personal check.

Stores may or may not charge a fee for getting cash back at the register; it’s often a convenience they provide their customers at no charge. However, some stores do charge a small cash-back fee (usually $1 to $4). Most of the stores in the list below do not charge a fee to receive cash back.

Cash Back With a Debit Card

Pay for your purchase as usual by swiping (or inserting, if your card has a chip) your debit card through the card reader and entering your personal identification number (PIN). Note: The card reader may ask you if you want your purchase to be processed as debit or credit. If you choose credit, you will unlikely be able to get cash back. If you want cash back, make sure to choose the debit option.

The card reader will ask if you want cash back. Once you enter yes, the reader will then prompt you to choose an amount listed on the screen or enter another amount. When the transaction is approved, you will be charged for the total amount of the purchase, plus the cash withdrawal amount. The cashier will hand you the desired cash back, along with your receipt.

Cash Back With a Credit Card

While credit cards usually don’t allow for cash back, one exception is the Discover card. The Discover Cash Over feature lets you get up to $120 cash back per 24-hour period, with no additional cash withdrawal fees. Note that while Discover sets a limit of $120, the amount you can withdraw will also depend on the store’s cash-back policy — so, if you visit a store that allows less than $120 cash back, you will not be able to exceed the store’s limit.

Our article has the list of stores that take Discover. We also have more information on Discover’s cash back program in our research on getting cash back from a credit card.

Cash Back With a Personal Check

Some stores allow you to get cash back using a personal check. With this process, you write the check for the amount of your purchase, plus the amount of cash back you want. For example, if your purchase total is $3.72 and you want $20 cash back, you can make out a check for $23.72, and the cashier will give you $20 in change.

Stores That Give the Most Cash Back ($100+)

Many grocery stores, retail stores, convenience stores, and pharmacies offer cash back at the register, but some types of stores tend to have higher cash back limits than others. In our research, we found that grocery stores and large retail department stores give the most cash back.

Below is our list of stores that offer the most cash back at the register. We verified this information by contacting customer service representatives for each store.

Albertsons

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash-back limit: $100 to $300 (varies by store)
  • Find an Albertsons

ALDI

  • Accepted payment methods for cash back: Debit card
  • Cash-back limit: $100
  • Find an ALDI

Food Lion

  • Accepted payment methods for cash back: Debit card and personal check
  • Cash-back limit: With debit cards, $200 and with personal checks, $50
  • Find a Food Lion

Hannaford

  • Accepted payment methods for cash back: Debit card, Discover credit, and personal check
  • Cash-back limit: $100
  • Find a Hannaford

Jewel-Osco

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash-back limit: $100
  • Find a Jewel-Osco

Kroger

Note: While Kroger has a high cash-back limit, it charges fees of $0.50 to $3.50 for cash-back transactions. Find out more in our full article on Kroger’s cash-back policy.

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash-back limit: $300 at the register and self-checkout
  • Find a Kroger

Ralphs

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash-back limit: $200
  • Find a Ralphs

Safeway

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash-back limit: $200
  • Find a Safeway

Save Mart Supermarkets / S-Mart

  • Accepted payment methods for cash back: Debit card
  • Cash-back limit: $200 to $300 (varies by location)
  • Find a Save Mart

Shoppers Food Warehouse

ShopRite

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash-back limit: $200
  • Find a ShopRite

Vons

  • Accepted payment methods for cash back: Debit card, personal check, and Discover credit
  • Cash-back limit: $200; $25 for personal checks
  • Find a Vons

Walmart

  • Accepted payment methods for cash back: Debit card, Discover credit, and personal check
  • Cash-back limit: With debit, $100 at the register and $60 at self-checkout; with Discover credit, $60; and with personal checks, $20
  • Find a Walmart

Whole Foods

  • Accepted payment methods for cash back: Debit card
  • Cash-back limit: $100
  • Find a Whole Foods

Winn-Dixie

  • Accepted payment methods for cash back: Debit card and Discover credit
  • Cash-back limit: $100
  • Find a Winn-Dixie

Want more cash? Check out our article about how to write a check for cash, and how to cash it.