The simplest way to get cash is by visiting an ATM. But what happens when you can’t find one, or it’s too far away? Maybe you’re pressed for time and don’t want to make an extra trip just to withdraw cash. Fortunately, there’s a convenient alternative: many stores offer cash back when you make a purchase with your debit card. This article explores the benefits of getting cash back at checkout, provides a comprehensive list of stores that offer this service, and outlines everything you need to know about how to maximize your cash back experience.

Why Shop at Stores That Give Cash Back?

Running errands can often feel overwhelming, especially when you have a long to-do list. However, combining your shopping with banking needs is not only possible but also practical at stores that provide cash back on debit card purchases. Here are some compelling reasons to consider:

Convenience

Many retailers allow you to withdraw cash from your checking account while making a purchase, saving you a separate trip to an ATM. This service can be especially handy if you're running errands or managing a busy schedule. Imagine stopping at the grocery store and walking out with both your groceries and cash, all in one trip.

Cost Savings

Using your debit card to get cash back typically incurs little to no fees, unlike withdrawing cash from an out-of-network ATM, which often comes with hefty charges. By choosing to get cash back at checkout, you can save on these unnecessary costs.

Safety and Budgeting

Using a debit card can help you avoid the risks associated with carrying large amounts of cash. Plus, it allows you to stick to your budget more effectively since you are using funds directly from your checking account.

How Does Cash Back Work?

When you make a purchase at a retailer and opt to receive cash back, the total amount of your purchase is increased by the amount of cash you wish to receive. For instance, if your groceries cost $50 and you want $20 cash back, the total transaction amount will be $70. This total is then deducted from your checking account.

Things to Consider

• Purchase Requirements: Some stores have minimum purchase amounts before allowing cash back, meaning you may need to buy an additional item.
• Withdrawal Limits: Each store sets its own cash back limits, which can vary widely. It’s essential to check these limits before you shop.
• Possible Fees: While many stores don’t charge fees for cash back, some may impose a small fee, particularly for larger cash withdrawals.

How to Get Cash Back Without a Bank Visit

Need cash but can't make it to the bank? There are several convenient ways to access cash without stepping into a bank branch. Whether you’re running errands or just need a few bucks, these options can save you time and help you avoid bank fees.

 

Grocery Stores That Give Cash Back

Grocery stores are among the most common places where you can receive cash back while shopping. You can get cash back at the grocery store by paying with your debit card instead of using credit or cash. Many grocery stores, from Albertsons to Winn-Dixie, allow you to make a withdrawal from your checking account when you swipe your card and enter your PIN during checkout.

Since most stores don’t charge a fee to withdraw money from your checking account, it’s one of the best options to get cash while saving some money at the same time.

However, most stores have a limit on how much you can withdraw. If you need $500 in cash for next weekend’s road trip, a trip to the bank may be a better option. 

Here’s a list of some popular grocery chains that offer this service:

1. Albertsons: Up to $300 cash back, with no fees.
2. ALDI: Up to $100 cash back on debit card purchases.
3. Fred Meyer: Up to $300 cash back, with fees of $0.50 for $100 and $3.50 for amounts over $100.
4. Giant Eagle: Up to $50 cash back, no fees.
5. Hannaford: Up to $200 cash back, no fees.
6. Hy-Vee: Up to $60 cash back, no fees.
7. Kroger: Up to $300 cash back, minimum $0.50 fee.
8. Meijer: Up to $50 cash back, no fees.
9. Publix: Up to $100 cash back, no fees.
10. Ralphs: Up to $200 cash back, no fees.
11. Safeway: Up to $200 cash back, no fees.
12. ShopRite: Up to $200 cash back, no fees.
13. Trader Joe’s: Up to $50 cash back, no fees.
14. Whole Foods: Up to $100 cash back, no fees.
15. Winn-Dixie: Up to $100 cash back, no fees.
16. Food Lion
17. Save Mart

Convenience Stores That Give Cash Back

If you're looking for a quick cash fix while on the go, many convenience stores offer cash back as well:

1. 7-Eleven: Up to $10 cash back; no fees but daily limits may apply.
2. Casey’s General Store: Up to $20 cash back; no fees.
3. Circle K: Up to $40 cash back; no fees.
4. KwikTrip/Kwik Star: Up to $20 cash back; no fees.

Pharmacies That Give Cash Back

You can also find cash back options at some pharmacies. Here’s a quick list of pharmacies that offer this service:

1. CVS: Up to $35 cash back; no fees.
2. Rite Aid: Up to $40 cash back; no fees.
3. Walgreens: Up to $20 cash back; no fees.

Gas Stations That Give Cash Back

With a gas station on virtually every corner, it’s easy to get cash if you’re running errands or need it quickly. The maximum withdrawal amount tends to be lower at gas stations, with some locations having caps of only $10. Most gas stations don’t charge fees to get cash back, which is a plus.

If you’re looking for a gas station for cash back, try:

• 7-Eleven
• AmPm
• BP
• Chevron
• Circle K
• Citgo
• Conoco
• ExxonMobil
• Marathon
• Phillips 66
• Shell
• Sunoco
• Texaco
• Valero

Remember that many gas stations are independently owned and operated even if they’re part of a franchise, so policies can vary from store to store. It’s a good idea to call ahead to ask about limits and fees.

Use Your Debit Card to Get Cash at Department Stores

In addition to grocery stores and gas stations, some department stores let you get fee-free cash back with your debit card.

Stores like Costco, Target, and Walmart are just a few options where this service is available. Typically, there’s a minimum purchase requirement to consider, and sometimes paying for a small, cheap item with your debit card is enough.

When you need cash, you can usually find it at:

• Costco
• Kmart
• Target
• Walmart
• Walgreens
• Rite Aid
• CVS
• Staples

Note that not all merchants will process these requests at the register; you may have to visit the customer service desk instead.

Withdraw Cash from an ATM

The most obvious place to get money with your debit card is to visit the ATM at your bank. This allows you to avoid paying out-of-network ATM fees, which typically cost $2 or more per withdrawal. It pays to use the ATM at your bank, even if it isn’t the closest.

You might also qualify for fee reimbursement if your bank offers it. In that case, if you can’t use your bank’s ATM and are charged a fee, you’ll be automatically reimbursed.

There are many surcharge-free ATMs located across the country, and banks and credit unions usually participate in a card network, allowing you to access them. Some major ATM networks include:

• Star
• MoneyPass
• Allpoint
• Pulse Select
• Alliance One
• TransFund
• CO-OP (for credit unions)

Other Stores That Give Cash Back

In addition to grocery and convenience stores, several other retailers also provide cash back options:

1. Costco: Up to $60 cash back; no fees.
2. Dollar General: Up to $40 cash back; some locations may charge a $1-2 fee.
3. Dollar Tree: Up to $50 cash back; charges $1 for this service.
4. Family Dollar: Up to $50 cash back; no fees.
5. Home Depot: Up to $50 cash back; no fees.
6. Lowe’s: Up to $40 cash back; no fees.
7. Sam’s Club: Up to $100 cash back; no fees.
8. Staples: Up to $40 cash back; no fees.
9. Target: Up to $40 cash back; no fees.
10. Walmart: Up to $100 cash back; fees vary.

List of Stores That Give Cash Back on Purchases (Alphabetical)

The table below offers a quick view of stores that give cash back on purchases. Check out this list of debit cards that pay cash-back rewards.

Store	Cash Back Limit	Fees
7-Eleven	$10	None
Albertsons	Up to $300	None
ALDI	$100	None
Casey’s General Store	$20	None
Circle K	$40	None
Costco	$60	None
CVS	$40	None
Dollar General	$40	None
Dollar Tree	$50	$1
Family Dollar	$50	None
Fred Meyer	$200	$0.50 to $3.50
Giant Eagle	$50	None
Hannaford	$200	None
Home Depot	$50	None
Hy-Vee	$60	None
Kroger	$300	Minimum $0.50
Kwik Trip/Kwik Star	$20	None
Lowe’s	$40	None
Meijer	$50	None
Publix	$100	None
Ralphs	$200	$0.50
Rite-Aid	$40	None
Safeway	$200	None
Sam’s Club	$100	None
ShopRite	$200	None
Staples	$40	None
Target	$40	None
Trader Joe’s	$50	None
Walgreens	$20	None
Walmart	$100	None
Whole Foods	$100	None
Winn-Dixie	$100	None

How to Get Cash Back with Your Debit Card

Step-by-Step Process

1. Make a Purchase: Select the items you wish to buy and proceed to checkout.
2. Choose Debit Card Payment: When prompted, choose to pay with your debit card.
3. Request Cash Back: Inform the cashier of the cash back amount you wish to receive, or select the option at a self-checkout.
4. Complete Transaction: The total amount will be adjusted to include your cash back request, and funds will be withdrawn from your checking account.

Tips for Maximizing Cash Back

• Check Store Policies: Before heading out, check the store’s cash back policy, including limits and fees.
• Plan Your Purchases: Consider buying a small item to meet the minimum purchase requirement if necessary.
• Combine Errands: Plan your errands to visit stores that offer cash back to save time and money.

Cash Back vs. Cash Withdrawal

It’s essential to differentiate between getting cash back at a store and withdrawing cash from an ATM. Here’s a quick overview:

• Cash Back: Refers to the cash you receive at checkout while making a purchase. You must buy something, and the amount is added to your total.
• Cash Withdrawal: Refers to using an ATM to withdraw cash directly from your bank account, which may incur fees.

Pros and Cons of Getting Cash Back with a Debit Card

While there are many advantages to getting cash back at stores, it’s crucial to consider the potential downsides.

Pros

• Convenience: Get cash while shopping, saving a trip to the bank or ATM.
• Low Fees: Most stores do not charge fees for cash back.
• Instant Access: Receive cash immediately without waiting.

Cons

• Purchase Required: You must buy something to get cash back.
• Limits on Amount: Stores may have withdrawal limits, affecting how much cash you can receive.
• Possible Fees: Some stores may impose fees, particularly for larger cash back amounts.

Cash Back Apps You Can Use with Your Debit Card

In addition to in-store cash back, you can also earn cash back by linking your debit card to various cash back apps. Here are some popular options:

Dosh

Dosh is an app that offers cash back when you shop at participating retailers, including:

• Walmart
• Cost Plus World Market
• Sephora
• Finish Line

After accumulating cash back, you can transfer it to your bank, Venmo, or PayPal account, provided you have at least $25.

Rakuten

Rakuten, known primarily as a browser extension, also allows users to sync their debit card for in-store cash back. Offers include retailers such as:

• H&M
• Athleta
• Levi’s
• Gap
• Finish Line

Rakuten’s browser extension can alert you to savings opportunities while shopping online.

Frequently Asked Questions (FAQs)

Can all debit cards be used to get cash back from a purchase?

Not all debit cards allow cash back transactions. It’s essential to check with your bank for specific policies.

Is there a fee to get cash back on debit card purchases?

Most stores do not charge fees for cash back, but it’s advisable to verify with the retailer.

Can you get cash back at a self-checkout?

Many stores with self-checkout stations allow cash back requests. Always check store policies regarding cash back limits.

Final Thoughts

Getting cash without visiting a bank is convenient and often free.  Finding stores that offer cash back at checkout can significantly enhance your shopping experience. Not only does it save you time, but it also helps you avoid ATM fees and provides instant access to cash. Whether you choose to get cash back at grocery stores, gas stations, department stores, or ATMs, you have plenty of options to access the cash you need. Just remember to check withdrawal limits and fees, and you’ll be on your way to cash in hand in no time!