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If you're looking to earn cash back on your debit card, you're in luck because some stores offer impressive rewards. Walmart offers 5% cash back on select purchases, making it a top contender.
Several stores offer cash back programs, but the rewards vary. For example, Target offers 5% cash back on certain purchases, while Kohl's offers 6% cash back on select items.
Some stores offer higher rewards for specific categories, such as groceries or gas. For instance, CVS offers 2% cash back on gas purchases and 3% on select grocery items.
Shopping at stores that offer cash back can be a great way to earn rewards on everyday purchases.
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Where to Get Cash Back
If a cashier asks, "Do you want cash back?" while you're checking out, they mean if you want to get physical dollar bills.
You can usually find cash back at many everyday stores and retailers, including those that offer the perk when you pay with a debit card.
Some stores provide cash back when you pay with a debit card, which can be a convenient alternative to ATM fees or borrowing cash from friends.
You can usually find cash at grocery stores, pharmacies, and other retailers that offer cash back with a debit card.
You can earn cash back through specific apps linked to your debit card, which offer a percentage of the total purchase as cash back.
Types of Stores
Some stores offer cash back programs on debit cards, making it a great way to save money on everyday purchases. You can earn cash back at popular retailers like Target, Walmart, and Nordstrom.
Target's debit card offers 5% off all in-store and online purchases, free shipping, and an extra 30 days for returns. Walmart's Money Card allows you to earn 3% Cash Back at Walmart.com, 2% Cash Back at Walmart fuel stations, and 1% Cash Back at Walmart stores, up to $75 each year.
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Here are some stores that offer cash back on debit cards:
- Target: up to 5% cash back
- Nordstrom: up to $20 store gift card after 2,000 points
- Walmart: up to $75 cash back per year
- Walgreens: up to $20 cash back with no fee
- Target: up to $40 cash back with no fee
- CVS: up to $60 cash back with no fee
- Meijer: up to $50 cash back with no fee
Grocery Shopping
Grocery shopping can be a convenient way to get cash back on your purchases. You can get cash back at the grocery store by paying with your debit card instead of using credit or cash.
Most stores don't charge a fee to withdraw money from your checking account, making it a great option to save some money. For example, Albertsons allows you to withdraw up to $300 with debit or credit cards.
Some grocery stores have higher cash back limits than others. For instance, Kroger offers up to $300 with debit or credit cards and $20 with a personal check. Walmart, on the other hand, offers up to $100 at the register and $60 at self-checkout.
You can visit a variety of grocery stores to get cash back on your purchases. Some popular options include Albertsons, Aldi, Food Lion, and Kroger. You can also try Publix, Safeway, and Winn-Dixie for a smaller amount of cash.
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Here are some stores that offer cash back on purchases:
Keep in mind that most stores have a limit on how much you can withdraw, so it's best to check with your store of choice before making a large purchase.
Gas Stations That Give Cash Back
If you're looking for a convenient way to get cash, you might consider visiting a gas station that offers cash back. Some gas stations have lower maximum withdrawal amounts, typically around $10.
Many gas stations don't charge fees for getting cash back, which is a definite plus. But, keep in mind that some independently owned locations may have different policies, so it's a good idea to call ahead and ask about limits and fees.
Some popular gas stations that offer cash back include 7-Eleven, Ampm, BP, Chevron, Circle K, Citgo, and Conoco. If you're planning to use this service, be sure to check with your local store to confirm their policies.
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Stores with High Limits
Albertsons offers up to $300 in cash back with debit/credit cards.
Kroger has a cash back limit of up to $300 with debit/credit cards and $20 with a personal check.
Aldi and Publix both offer up to $100 in cash back with debit/credit cards.
Food Lion and Safeway have a cash back limit of up to $200 with debit/credit cards.
Walmart offers up to $100 in cash back at the register and up to $60 at self-checkout.
These stores have varying limits, but they're all great options for getting cash back with your debit card purchase.
Here's a breakdown of the cash back limits for these stores:
Remember to check the specific store's policies before making a purchase, as limits may vary.
Cash Back Options
You can get cash back with your debit card at various stores and retailers. Some stores offer cash back right from the register, but each store has its own cash back limit.
DoNotPay can help you find stores with the highest cash back limits available, saving you time and effort. You can search for cash back on the DoNotPay website, answer some questions, and get started.
Some department stores like Costco, Target, and Walmart also let you get fee-free cash back with your debit card. However, you may need to visit the customer service desk instead of the register.
To earn a percentage of your purchase back, you can link cash back apps to your debit card. These apps can be a convenient way to earn cash back on your purchases.
Rakuten
Rakuten is a great option for earning cash back on your purchases. You can sync it to your debit card to get cash back on in-store purchases at popular retailers like H&M, Athleta, Levi's, Gap, and Finish Line.
To get started, you'll need to create an account online and navigate to the "in-store cash back" section. From there, you'll see a range of offers available, including cash back at Finish Line, which is also an offer available through Dosh.
Rakuten's browser extension is also a useful tool, as it will alert you to any deals or savings opportunities when you shop online. This can be a great way to earn even more cash back on your purchases.
Here are some popular retailers that offer cash back through Rakuten:
- H&M
- Athleta
- Levi’s
- Gap
- Finish Line
You can transfer your earned cash back to your bank, Venmo, or PayPal account once you've reached the minimum withdrawal amount of $25.
Cash Vs Credit
Using credit cards can provide rewards and benefits, such as earning points or cash back on purchases, but it also comes with the risk of accumulating debt.
Credit cards often have higher interest rates than cash, which can lead to a significant amount of interest being added to the balance over time.
Cash, on the other hand, is a more straightforward option that doesn't come with the risk of debt, but it may not offer the same rewards as credit cards.
Some credit cards offer 1-2% cash back on purchases, which can add up over time, but it's essential to consider the interest rate and fees associated with the card.
Cash can be used anywhere, but it may not be accepted in some situations, such as online purchases or when traveling abroad.
In contrast, credit cards are widely accepted and can be used for online purchases and international transactions, but they may come with foreign transaction fees.
Ultimately, the choice between cash and credit depends on individual financial goals and preferences.
Sources
- https://wallethub.com/answers/ca/what-store-gives-the-most-cash-back-on-debit-cards-2140685873/
- https://www.freep.com/story/money/personal-finance/susan-tompor/2024/09/03/cash-back-fees-kroger-dollar-store-atm/74978872007/
- https://dollarsprout.com/cash-back-stores-debit-card/
- https://donotpay.com/learn/stores-with-highest-cash-back-limit/
- https://www.swagbucks.com/articles/debit-card-cash-back
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