debit card cash back

61 Stores That Do Cash Back: Ultimate List

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There never seems to be enough time to get our errands done. Your car needs gas so you can run to the grocery store. After that, you want to head to the department store to pick up a few things.

When you have to run to the bank to withdraw money, that just adds another task to your to-do list. Is there an easier way to get all your errands done without so many trips?

Luckily, you don’t have to find an ATM, which may charge fees, or head to the bank to get cash. There are stores that will actually give you cash back with your debit card, so you can skip going to the bank or an ATM and save money on fees.

How does cash back at stores work?

At a physical retailer, you may have the ability to get physical cash back when using your debit card, credit card, personal check (in some cases). To take advantage of this, simply go to a participating grocery store, gas station, or retailer and get the items that you wish to purchase.

When you get to the register, use your method of payment to pay for the transaction. You will be given the choice to receive cash back.

Cash is withdrawn from your checking account or added to your credit card balance when you chose this option.

These transactions are generally free, but there are typically some stipulations. Credit card issuers may charge a fee or interest too.

Get cash back at stores with your debit card

Receiving cash back on a debit card is easy to do. You can request cash at the register with a cashier or at self-checkout.

Your debit card can be used to cover both your purchase and the amount of the cash back. The same transaction can be handled at once.

The steps for getting cash with your debit card purchase looks like this:

  • Insert or swipe your debit card
  • Choose “Yes” when the terminal asks if you want cash
  • Select the dominations of the bills (if this option is available)
  • Type your debit pin and confirm the purchase.
  • Cash will be given to you by the cashier or self-checkout register, along with the receipt

In most cases, you won’t have to pay a fee when using your debit card to get cash at a participating grocery store, convenience store, etc. The cash, along with the purchase amount will be deducted from your linked checking account.

Pros and cons of getting cash back from stores with your debit card

Getting cash with a debit card transaction has its advantages. But there are some drawbacks of using it too. Let’s talk about what’s good and bad about using a debit transaction to get cash so you know what to expect.

Pros

It’s Convenient

If you’re already planning to make a debit card purchase and need cash, it simplifies things. You can save a trip to the bank and head to your destination faster.

There is no need to wait in line at the bank or ATM, saving you more time.

Save Money

By eliminating the extra trip to the bank, you also save gas. With gas prices the way they are these days, it’s always good to save and live a little stingy.

No Fees for Customers

At most retail stores, there are no fees assessed for getting cash back. In some cases, there is a minimum order requirement. As long as you meet the required minimum, there’s no cost to using your debit transaction for cash. There’s also no fees like at places that do money orders.

This also avoids the high cost of using an ATM that’s outside your bank’s network. So if you’re traveling, the cash back option at participating stores is a good option.

Cons 

Must Buy Something

Sometimes you make need access to cash but there’s nothing you actually need at the store. If you want to take advantage of the cash back, you must make a purchase.

Store Minimum Orders

At some participating stores, they require that you meet a minimum purchase amount for cash back. The minimum might be more than you were planning to spend. That cash suddenly gets more expensive in these cases.

Withdrawal Limit

There is a maximum amount of cash you can receive back on an eligible purchase. The maximum amount is set by the store, which means it can vary quite a bit. For example, 7-Eleven will limit cash back to $10 (2 transaction limits per day) while at others it’s a few hundred dollars. A lot of gas stations and convenience stores have a $20 limit, so head to a grocery store if you need more.

Cash back benefits for merchants

Consumers aren’t the only ones that benefit from this cash back service. Merchants enjoy some advantages of allowing customers to get cash at their store.

The biggest benefit is that it reduces the amount of cash the store has on hand. That’s less cash that needs to be transported securely to the bank.

This type of convenience may also help increase sales and customer loyalty. Customers may spend more at the store when they’re getting cash. Since they know they can get cash where they shop, the merchant will likely have more repeat business.

Grocery stores that do cash back

Paying with your debit card at a grocery store may also allow you to get cash back. There are grocery stores like Aldi that allow you to withdraw cash from your checking account when you enter your debit card PIN at checkout.

Most grocery stores that do cash back do not charge a fee to withdraw money. Grocery stores are a great option to get cash and avoid a trip to the bank.

Keep in mind that there’s a limit to how much you can withdraw. So if you need several hundred dollars before heading on a trip, going to the bank might make more sense.

Here are some of the grocery stores that give cash back on a debit card transaction:

  1. Albertsons
  2. Aldi
  3. Casey’s General Store
  4. Circle K
  5. Food Lion
  6. Fred Meyer
  7. Fry’s Food Stores
  8. Giant
  9. Giant Eagle
  10. Hannaford
  11. H-E-B
  12. Hyvee
  13. JayC Foods
  14. Jewel-Osco
  15. King Soopers
  16. Kroger
  17. Mariano’s
  18. Meijer
  19. Pay-Less Supermarkets
  20. Publix
  21. Raley’s Supermarket
  22. Ralphs
  23. SaveMart
  24. Safeway
  25. Shoppers Food Warehouse
  26. ShopRite
  27. Trader Joe’s
  28. Vons
  29. Walmart
  30. Weis Markets
  31. Whole Foods
  32. Winn-Dixie

Gas stations that do cash back

You can find a gas station on almost every street corner. That makes them very convenient places to stop in when you need cash on the go. Unlike grocery stores, the maximum withdrawal amount at gas stations is lower.

Some stores have maximum withdrawals as low as $10 to $20, like 7-Eleven. The upside is that most won’t charge a fee to get cash back.

You also need to consider that some gas stations are independently owned and operated. They could still be part of a franchise. Therefore, the cash back policy may vary between locations. Your best bet is to give the location a call and ask them about whether they allow cash back on a debit card transaction, what the limits are, and if there are fees.

Keep in mind some of the above grocery and retail stores may also have gas stations (like Costco, some Weis Markets or Walmart) that will also do cash back.

Here are some gas stations that offer cash back at their convenience store locations:

  1. 7-Eleven
  2. Ampm
  3. BP
  4. Chevron
  5. Circle K
  6. Citgo
  7. Conoco
  8. ExxonMobile
  9. Kum and Go
  10. Kwik Fill
  11. Kwik Trip / Kwik Star
  12. Marathon
  13. Phillips 66
  14. Quick Trip
  15. Shell
  16. Sunoco
  17. Texaco
  18. Valero

Other stores that give cash back

Some other stores may also provide the option of cash back. Large big-box retailers for example may offer this convenience. In many cases, there’s a minimum purchase requirement to get cash. You can find this option at many of the stores listed here:

  1. Costco
  2. Dollar General
  3. Dollar Tree
  4. Kmart
  5. Target
  6. Walmart
  7. Walgreens
  8. Rite Aid
  9. CVS
  10. Staples
  11. Family Dollar

Stores that don’t give cash back with debit card

There are some types of stores that simply don’t offer the option to get cash back on a debit transaction. You won’t be given the choice to withdraw cash at the cash register or self-checkout station.

These are the type of stores where you typically won’t see this cash back offer:

  • Clothing and department stores (Forever 21, H&M, Kohls)
  • Coffee shops (Starbucks)
  • Home goods stores (Hobby Lobby)
  • Home furnishing stores (Pottery Barn)

Cash back with debit cards vs cash back rewards with credit cards

Many credit card issuers like Capital One, Chase, American Express offer cash rewards for using their credit card on purchases. For example, the Apple card gives 3% cash back on Apple store purchases.

Reward cards work differently from getting cash back with debit cards. Basically, you earn a percentage of your transactions. These cash back rewards accrue and typically when you reach a certain amount, you can redeem it.

The redemption can go towards your credit card balance as a statement credit, sent by check, or be directly deposited into your bank account.

Some credit cards that offer cash back rewards may have an annual fee. You typically have to use these types of credit cards often and for high annual amounts to make it worth the cost.

Cash back apps for stores and online merchants

These cash back apps will allow you to earn cash back based on how much you spend. The app monitors your purchases by linking to your debit card. The cash back rewards that you earn typically have several redemption options. You can get a check mailed to your home, trade it for a gift card, or receive it from a provider like PayPal.

  • CoinOut
  • Shopkick
  • Drop
  • Swagbucks
  • Receipt Hog
  • Rakuten
  • Dosh
  • Coupons.com
  • GetUpside
  • RetailMeNot
  • Fetch Rewards
  • Ibotta
  • Checkout 51
  • BeFrugal
  • TopCashBack
  • Paribus
  • Upromise

Conclusion

Almost everyone wants to save time and money. Using your debit card to get cash back can accomplish both of these goals. Make sure you know which stores participate in the program and what the rules are, beforehand. That way you’ll know where you can take advantage of this service the way that works best for you. 

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