List of Stores that Give Cash Back on Debit Cards in 2020

Editorial Note:

Update –10/02/2020 [List of Stores that Give Cash Back on Debit Cards in 2020]

Isn’t it great to shop at your favorite store and withdraw the cash you need while making a purchase? Some stores allow you to receive debit card cash back without visiting the bank or ATM. Let’s explore how you can get cash back and what shops near you let you do this.

How Can I Get Debit Card Cash Back Near Me?

When you use your debit card while shopping at a store, you may be allowed to get physical cash back. You can just withdraw cash from your checking account while paying for your purchases. In most cases, you won’t have to pay a fee.

Follow these instructions:

  • Use the card reader and enter your PIN.
  • Choose that you’d like your purchases to be processed as debit. If you select the credit option, you won’t get the cash back.
  • You will be asked if you want to get cash back. Enter “Yes.”
  • Choose or enter the amount of cash back you want.
  • When the transaction is over, you will be charged for the purchase. The cash withdrawal amount will be added to the charge.
  • You will get the receipt and the cash back you asked for.

Is Getting Debit Card Cash Back at Stores Near Me Always Free?

No, it’s not. Some stores require a minimum purchase amount before they allow you to get debit card cash back. Sometimes you’ll have to buy things you don’t need. In some stores, there’s a fee for cash withdrawals. The fee is similar to the one you pay at an out-of-network ATM.

Cash Back at Stores vs. Cash Back Apps

When we talk about cash back at stores, we mean physical dollar bills that you get from a cashier. You can also earn cash back with the help of special cash back applications that you link to your debit card. This kind of cash back is the percentage of your total purchase amount. Most apps let you redeem the cash back rewards through PayPal, gift cards, or sometimes checks.

What Stores Give Cash Back Near Me?

Quite a lot of grocery stores, drugstores, superstores, convenience stores, and office supply stores give debit card cash back. Some gas stations also do this. Let’s explore the list of stores that give cash back near you.

Note: Alongside with giving cash back on debit card purchases, some stores allow you to get cash back on Discover credit card transactions (see Discover Cash Over program) and when you pay with a personal check.

List of 40 Stores that Give Cash Back on Debit Cards [02/10/2020]

Stores that Give Cash Back on Debit Cards
Store/Store LocatorWithdrawal LimitAccepted Payment MethodsFeesOther Conditions
Albertsons$100 to $300 (variable)
$120 for Discover credit card
Debit card
Discover credit card
None-
ALDI $100Debit cardNone-
Food Lion$200 with debit cards
$50 with checks
up to $200 with an EBT card
Debit card
Check
NoneYou can get up to $100 cash back without making a purchase
Hannaford$100Debit card
Discover credit card
Check
None-
Jewel-Osco$100Debit card
Discover credit card
None-
Ralphs$200Debit card
Discover credit card
None-
Safeway$200Debit card
Discover credit cardCheck
None-
Save Mart Supermarkets/S-Mart$200 to $300 (variable)Debit cardNone-
Shoppers Food Warehouse$300 at the register; $100 at self-checkoutDebit cardNone-
ShopRite$200 with debit cards
$120 for Discover credit card
Debit card
Discover credit card
None-
Vons$200
$25 for personal checks
Debit card
Discover credit card
Check
None-
Walmart$100 at the register and $60 at self-checkout with debit cards
$60 with Discover credit card
$20 with personal checks
Debit card
Discover credit
Check
NoneAvailable in increments of $20
Whole Foods$100Debit cardNone-
Winn-Dixie$100Debit card
Discover credit card
None-
7-Eleven$10Debit cardNoneThe number of transactions is limited to 2 per day in most locations
Casey's General Store$20Debit cardNone-
Circle K$40Debit cardNone-
Dollar General$40Debit cardNoneAvailable in increments of $10
Dollar Tree$50Debit card$1Available in increments of $10 (though $1 and $5 bills can be requested)
Family Dollar$50Debit cardNone-
Kum & Go$20Debit cardNoneVisa
Mastercard
Discover debit cards
are accepted
Kwik Trip/Kwik Star$20Debit cardNoneVisa
Mastercard
Discover debit cards
are accepted
Fred Meyer$300Debit card$0.50
$3.50
-
Giant Eagle$50 with debit cards
$30 for personal checks
Debit card
Check
None-
H-E-B$50Debit card
Check
None-
Hy-Vee$60Debit cardNoneVisa
Mastercard
Discover debit cards
are accepted
JayC$100Debit card
Discover credit card
None-
Mariano's$100Debit card
Discover credit card
NoneNot allowed with coupons
Meijer$50 with debit cards
$25 for personal checks
Debit card
Check
None-
Publix$100n/aNone-
Raley's Supermarkets$10 to $60 (variable)Debit cardNone-
Trader Joe's$50n/aNone-
Staples$40n/aNone-
CVS$35Debit cardNone-
Rite Aid$40 (variable)Debit cardNone-
Walgreens$20Debit cardNone-
Costco$60n/aNoneMust be a Costco member
Kmart$50Debit cardNone-
Target$40 with debit cards
$20 for personal checks
Debit card
Check
NoneAvailable in increments of $20
Kroger$300 with debit cards
$120 for Discover credit card
$20 for checks
Debit card
Discover credit card
Check
$0.5 fee for cash back up to $100

What Stores Give the Most Cash Back?

Most stores give cash back of around $20 – $60. However, there are stores that offer you cash back of $100 to even $300 on your debit card purchases, Discover credit card transactions, or purchases with a personal check.

19 Stores that Give the Most Cash Back [02/10/2020]

Stores that Give the Most Cash Back
Store/Store LocatorCash Back Amount
Albertsons$100 to $300 (variable)
$120 for Discover credit card
ALDI $100
Food Lion$200 with debit cards
$50 with checks
up to $200 with an EBT card
Hannaford$100
Jewel-Osco$100
Ralphs$200
Safeway$200
Save Mart Supermarkets/S-Mart$200 to $300 (variable)
Shoppers Food Warehouse$300 at the register; $100 at self-checkout
ShopRite$200 with debit cards
$120 for Discover credit card
Vons$200
$25 for personal checks
Walmart$100 at the register and $60 at self-checkout with debit cards
$60 with Discover credit card
$20 with personal checks
Whole Foods$100
Winn-Dixie$100
Fred Meyer$300
JayC$100
Mariano's$100
Publix$100
Kroger$300 with debit cards
$120 for Discover credit card
$20 for checks

What Stores Don’t Give Cash Back on Debit Card Transactions

If you’re buying a new armchair, a lamp, or a jacket, you are unlikely to get cash back with your debit card. Clothes shops, home goods, and furnishing stores such as Cumberland Farms, H&M, Pottery Barn, Speedway, or Starbucks don’t usually give cash back.

What Are the Pros and Cons of Getting Cash Back at Stores Near Me?

Advantages:

  • The process is easy and quick.
  • The fees are zero or little.
  • You don’t have to visit an ATM or a bank.

Disadvantages:

  • You need to make a purchase to get access to cash back.
  • A minimum purchase amount may be required.
  • Some stores charge fees.
  • There limits on cash withdrawal amounts.

Conclusion

Getting cash back at stores can be a great idea if you need cash here and now. Take the pros and cons into account and don’t form a habit of making unnecessary purchases just to get cash back.

Ekaterina Redko

I have always wanted to live a full life without stressing out about money. After finishing university, I started work and soon realized that my salary didn’t match the kind of life I wanted. I took a side hustle, hoping it would make me wealthier – it didn’t. I still had to live paycheck to paycheck. Why? I wanted to figure this out and did it.

The truth is that it is not the amount of money that makes you wealthy, but the way you manage it.  My problem was the lack of proper spending habits and discipline with money. I created a  budget and started saving. Budgeting took me a lot of time and effort, but that was worth it.

Now I understand that how much you save is way more important than how much you earn. Saving is one of the core principles of building wealth and achieving financial independence.

With Financial Freedom Guru, I’d like to share my knowledge and experience of managing money and building wealth. I hope that together we’ll manage to pave the way towards Financial Freedom.

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Margaret
Margaret
2 months ago

Good list, with the pandemic the line ups at the bank are one hour sometimes. It is good to get groceries and cash for tips in one place