List of Stores That Give the Highest Cashback on Debit/Credit/Discover Card Purchases 2024

How Do I Get Cash Back?

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

You can receive cash back when paying with a debit card, and 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 listed below do not charge a fee.

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How Can I Get Cash Back with a Debit Card?

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.

How Can I Get Cash Back with a Credit Card?

Most credit cards do not allow cash back at the register. We contacted major credit card companies, including American Express, Discover, Mastercard, and Visa, to determine their cash back policies. Only Discover’s “cash over” feature allows you to get cash back on your in-store purchases at participating retailers, customer service representatives said.

At the checkout station of a participating retailer — either a cashiered lane or self-checkout — your Discover card will offer cash back amount choices, just like a debit card does. Keep in mind that Discover only allows cash over withdrawals to total $120 in a 24-hour period. Some stores will also have additional limits on how much cash customers can request; for example, Walmart limits cash back to $100 per transaction.

Discover does not charge a fee for cash over withdrawals, but some individual stores do charge a small fee for cash-back transactions.

What stores offer cash back with a Credit Card?

Please find the list at the bottom.

How Can I Get Cash Back With a Personal Check?

While cards and digital payment methods have been on the rise in recent years, personal checks are still welcomed by many retailers. And, among retailers that accept checks as payment, some also allow customers to get cash back at the register.

Getting cash back at the register with a personal check is fairly straightforward. Instead of writing the check for the amount of the purchase, you write the check for the amount of the purchase plus the amount of cash back you desire. For example, if your purchase comes to $15.32 and you want $25 cash back, you would write the check for $40.32 to get your desired amount of cash back.

Most stores will require you to show a valid, government-issued ID when using a personal check, and some may require you to also have a store loyalty card. Also, keep in mind that all stores have cash-back limit policies, with most giving between $20 and $40 cash back.

Participating Retailers

1. Walmart (Limit: $20)

2. Target (Limit: $20)

3. Kroger (Limit: $20)

4. Walgreens (Limit: $20)

5. Hannaford (Limit: $100)

6. Winn-Dixie (Limit: Varies by store location; typically $100)

7. Food Lion (Limit: $50)

8. H-E-B (Limit: $50)

9. Stop & Shop (Limit: $50 for new customers; $100 for returning customers)

10. Wegmans (Limit: $40)

11. Tops Friendly Markets (Limit: $40)

12.Giant Eagle (Limit: $30)

13. Albertsons (Limit: $25)

14.Meijer (Limit: $25 in stores and $5 at gas stations)

15. Vons(Limit: $25)

16. Market Basket (Limit: $20)

What Stores Gives the Most Cash Back?

Quite a lot of grocery stores, drugstores, superstores, convenience stores, retail stores, and office supply stores offer cash back at the register, but some types of stores tend to have higher cash back limits than others. Below is the list of stores that offer the most cash back at the register, ordered starting with the stores offering the highest amounts of cash back and the most payment options.

1. Kroger

• Find a Kroger

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $300 at the register and self-checkout

• Note: While Kroger has a high cash-back limit, it charges fees of $0.50 to $3.50for cash-back transactions. 
  

2. Shoppers Food Warehouse

• Find a Shoppers Food Warehouse

• Accepted payment methods for cash back: Debit card

• Cash-back limit: $300 at the register and $100 at self-checkout

3. Save Mart Supermarkets / S-Mart

• Find a Save Mart

• Accepted payment methods for cash back: Debit card

• Cash-back limit: $200 to $300 (varies by location)

4. Ralphs

• Find a Ralphs

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $200

5. Safeway

• Find a Safeway

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $200

6. Albertsons

• Find an Albertsons

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $100 to $300 (varies by store)

7. Food Lion

• Find a Food Lion

• Accepted payment methods for cash back: Debit card and personal check

• Cash-back limit: $200 for debit cards and $50 for checks

8. Vons

• Find a Vons

• Accepted payment methods for cash back: Debit card, personal check, and Discover credit

• Cash-back limit: $200 for debit cards and $25 for personal checks

9. ShopRite

• Find a ShopRite

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $200

10. Walmart

• Find a Walmart

• Accepted payment methods for cash back: Debit card, Discover credit, and personal check

• Cash-back limit: $100 for debit cards at the register ($60 for self-checkout); $60 for Discover credit; $20 for personal checks

11. Hannaford

• Find a Hannaford

• Accepted payment methods for cash back: Debit card, Discover credit, and personal check

• Cash-back limit: $100

12. ALDI

• Find an ALDI

• Accepted payment methods for cash back: Debit card

• Cash-back limit: $100

13. Jewel-Osco

• Find a Jewel-Osco

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $100

14. Winn-Dixie

• Find a Winn-Dixie

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $100

15. Whole Foods

• Find a Whole Foods

• Accepted payment methods for cash back: Debit card

• Cash-back limit: $100

16. JayC

• Find a JayC

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $100

17. Mariano's

• Find a Mariano's

• Accepted payment methods for cash back: Debit card and Discover credit

• Cash-back limit: $100

18. Publix

• Find a Publix

• Accepted payment methods for cash back: n/a

• Cash-back limit: $100

19. Costco

• Find a Costco

• Accepted payment methods for cash back: n/a

• Cash-back limit: $60

20. Hy-Vee

• Find a Hy-Vee

• Accepted payment methods for cash back: n/a

• Cash-back limit: $60

21. Dollar Tree

• Find a Dollar Tree

• Accepted payment methods for cash back: Debit card 

• Cash-back limit: $50

22. Family Dollar

• Find a Family Dollar

• Accepted payment methods for cash back: Debit card 

• Cash-back limit: $50

23. Giant Eagle

• Find a Giant Eagle

• Accepted payment methods for cash back: Debit card and Check

• Cash-back limit: $50 with debit cards; $30 for personal checks

24. H-E-B

• Find a H-E-B

• Accepted payment methods for cash back: Debit card and Check

• Cash-back limit: $50 

25. Meijer

• Accepted payment methods for cash back: Debit card and Check

• Cash-back limit: $50 with debit cards; $25 for personal checks

26. Raley's

• Find a Raley's

• Accepted payment methods for cash back: Debit card 

• Cash-back limit: $10 to $60 (variable)

27. Trader Joe's

• Find a Trader Joe's

• Accepted payment methods for cash back: n/a

• Cash-back limit: $50

28. Kmart

• Find a Kmart

• Accepted payment methods for cash back: Debit card

• Cash-back limit: $50

More Participating Retailers to Get Cash Back with a Credit Card

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