Does Aldi Take EBT SNAP Card - Frugal Reality

Does Aldi Take EBT SNAP Card? Online? Curbside Pickup? Apple Pay or Google Pay?

Many of the 40 million ALDI customers per month wonder: Does ALDI take EBT food stamps? It’s a common question among SNAP recipients who’ve suffered the embarrassment of returning items because the store they visited doesn’t accept food stamps. The top SNAP recipients are usually low-income earners, the elderly, people with disabilities, and the homeless. 

Belonging to the “disadvantaged” camp is hard enough. That’s why returning items because a store doesn’t accept SNAP food stamps can feel like a slap in the face, especially when hungry.

About ALDI

A German family-owned business, ALDI is a chain of discount supermarkets. The grocery chain has over 2,000 stores spread across 35 states in the US; Illinois has the most with over 205 locations.

ALDI is known as a budget-friendly supermarket that offers a wide variety of fresh, quality, and seasonal products at extremely affordable prices, at lower prices than a traditional grocery store. Generally, the grocery chain focuses on a selection of healthy staple foods. That makes ALDI a perfect shopping destination for SNAP recipients to buy affordably priced groceries and stretch their SNAP funds.

Does ALDI take EBT food stamps or WIC?

Fast Answer: All ALDI stores accept EBT cards as a payment method for in-store and online purchases. You can use your EBT card to order online grocery delivery or curbside pickup through Instacart. However, like any other SNAP-approved retailer, you can only use your EBT card in-store or online at ALDI to purchase SNAP-eligible products, like discount meat, dairy products, seafood, fruits, and vegetables, nutritional protein shakes and bars, and more.

That said, ALDI isn’t an approved WIC retailer and doesn’t accept WIC benefits. Per the WIC program guidelines, only particular brand-name products and formulas are eligible for WIC purchases. Since ALDI only sells its exclusive premium-quality Little Journey brand, its formulas can’t be purchased with WIC.

That notwithstanding, ALDI is one of the best places to shop with your EBT card. Being among the stores that accept EBT for online delivery and pickup orders, you can order groceries from the comfort of your home.

That’s a big plus when you’re too old, disabled, or don’t have the means to drive to ALDI stores. But, again, their products are cheaply priced, hence a good place to buy the cheapest foods on a budget and stretch your EBT food stamps.

Frugal Reality Tip: You can’t use your EBT card to pay for service or delivery fees. Therefore, be prepared with an alternative payment card or cash to cover Instacart’s delivery costs.

Does Aldi Accept Food Stamps?

ALDI accepts EBT cards as a payment method at all its store locations throughout the United States. Being a SNAP-approved retailer, ALDI follows the SNAP rules. That means you can only use your EBT card to buy SNAP-eligible products at its stores like filtered water, non-alcoholic beverages, bread, poultry products, fruits & vegetables, and seafood like fish, oysters, and lobster. Just like in bakeries that accept EBT, you can also use your SNAP benefits to buy bakery items like custom cakes, donuts, snacks, crackers & chips, and cookies.

ALDI also accepts SNAP EBT cards for online purchases with options for delivery and curbside pickup through Instacart. That means you can shop for groceries from the comfort of your house, which is a benefit if you’re too old or disabled to access ALDI stores physically.

But you can’t use your EBT card to cover any additional Instacart charges like service or delivery fees. So be prepared with an alternative payment method to cover any extra charges, just in case the fee isn’t built into the listed online prices.

However, ALDI doesn’t take WIC. The main reason is that their stores carry household brands. WIC regulations only allow particular national brands to be purchased with WIC benefits. Thus, Aldi isn’t an approved retailer and doesn’t accept WIC.

Again, you won’t be able to use your EBT card to purchase SNAP-restricted items like wine, alcoholic drinks, or tobacco products at ALDI or other places like liquor stores. Also, you can’t book hotels that accept cash with SNAP funds or purchase any vacations or travel deals, lottery tickets, bail payments, or tattoos.

What are the Top Reasons To Shop at ALDI with your EBT Card?

ALDI is a great place to shop with your EBT card for several reasons, including:

Shop from Home

Through Instacart, you can purchase SNAP-eligible items at Aldi with an EBT card for delivery or curbside pickup. Such convenience enables customers to save time and money on gas.

Get Cash Back and ATM Services

ALDI is among the stores that give the most cash back. If you receive additional government aid like the Temporary Assistance for Needy Families (TANF), you may be able to get cash back up to $100 per transaction. You can also withdraw cash from Quest ATMs that dispense $5, $1, $50, or $100 if your ALDI store has one.

Affordable Prices

ALDI negotiates the lowest possible prices with its suppliers and benefits customers with discounted prices. In addition, the supermarket has ways to keep costs down like minimizing overhead costs, encouraging customers to bring reusable bags, and charging a refundable 25-cent cart fee to eliminate the need for cart retrieval.

Convenience

With over 2000 low-priced grocery stores in 35 states, you are likely to find a nearby ALDI. For instance, there are about 208 Aldi stores in Illinois alone.

Can You Use Curbside Pickup with EBT at Aldi?

Yes, you can use curbside pickup with EBT because ALDI accepts SNAP EBT for online curbside pickup orders. Currently, over 700 ALDI stores offer curbside grocery pickup. You can visit the Curbside Grocery Pickup Locations page to determine if your local store offers this service. 

Aldi EBT grocery pickup is pretty easy to use. Simply visit shop.aldi.us. Alternatively, log into the Instacart mobile app using your email address and password or enter your ZIP code. First-time Instacart users must first create an account to shop.

Then, shop SNAP-eligible items. Once you’re done shopping, choose the EBT as your payment option. Before checking out, select your pickup location and schedule your desired pickup time.

Once your order is placed, an Aldi employee will do the shopping for you and send an alert when it’s ready for pickup. Park in a designated pickup spot and wait for an employee to bring your groceries to your car.

Does Aldi Accept EBT for Delivery? 

Yes, Aldi accepts EBT for delivery nationwide. More than 95% of ALDI stores offer same-day delivery to customers in more than 10,000 ZIP codes through Instacart. You can find whether your local Aldi store offers grocery delivery by entering your ZIP code at shop.aldi.us

To order online grocery delivery with an EBT card at Aldi, visit shop.aldi.us or login into your Instacart mobile app. Shop for SNAP-eligible items, choose your delivery timeline, and place your order.

An Instacart Personal Shopper will handle the shopping trip and deliver your order to your home or business address. Instacart can deliver within an hour, and delivery hours continue as long as Aldi stores are open.

Aldi is not a 24-hour grocery store and tends to open between 8 am to 9 am and close by 9 pm or earlier.

Delivery fees vary based on the delivery timeline requested and the order size. Sometimes, the Instacart prices are higher than the ALDI store prices to cover the personal shopping delivery service cost.

That said, you can’t use your EBT card to pay for additional charges like tips, shopping fees, or shipping costs. Instead, you’ll need to pay with cash or a different payment, like an unexpired debit card, at delivery. 

Does Aldi Accept WIC?

No, Aldi doesn’t accept WIC because its household brands and formulas aren’t eligible. WIC guidelines restrict WIC benefits to particular national brands and formulas, which Aldi doesn’t carry.

WIC stands for Women, Infants, and Children. It’s a unique Supplemental Nutrition Assistance Program that provides nutritional benefits to pregnant and breastfeeding women, infants, and children under five. Different states distribute WIC benefits differently, either through checks, EBT cards, or directly delivering WIC food packages to the recipients’ homes.

WIC Federal regulations restrict the items that recipients can purchase with their WIC benefits, including:

  • Infant formulas
  • Infant cereals
  • Milk, juice, and cheese
  • Yogurt
  • Breakfast cereals
  • Peanut butter
  • Canned fish and beans
  • Baby food containing vegetables, fruits, and meat

Unfortunately, Aldi doesn’t sell WIC-eligible products from national brands; hence, it’s not an approved WIC retailer. So you’ll need to use an alternative payment method if you want to grab baby food or infant formula at Aldi.

Does Aldi accept checks?

No, Aldi doesn’t accept checks. Grocery stores like Aldi don’t accept checks because of fraud risk and the long processing times associated with cashing personal checks.

First is the issue of insufficient funds. If you don’t have enough funds in your account, the check will bounce, and the retailer won’t get paid. That means they’ll get into the hassles of coming after you for their money. Chasing after someone for money is time-consuming, costly, and doesn’t make sense for smaller purchases.

Then there’s the issue of check fraud, where someone might be trying to use forged personal checks or cashing third-party checks to buy fraudulent purchases. It’s like using a debit card without a PIN number fraud, where someone tries to use a stolen debit card to their advantage. That’s why most retailers, like Aldi, don’t take check payments to protect themselves and their customers.

Recommended read: gas stations that cash checks

Does Aldi Accept Link?

Yes, Aldi accepts Link cards for in-store and online purchases. Link isn’t different from SNAP EBT. Like Calfresh in California, Link is the unique name that Electronic Benefits Transfer (EBT) cards go by in Illinois. You can use your Link card at any Aldi store or online to purchase SNAP-eligible products.

The Link card works pretty much like a regular debit card. It’s a type of debit card that SNAP agencies in Illinois use to distribute SNAP benefits to low-income families and other disadvantaged groups.

Once you qualify to receive food stamps in the state of Illinois, your local SNAP agency opens an account under your name where your funds are loaded every month.

You’re issued a Link card that you can use to make purchases at SNAP-approved retailers throughout all 50 states. The card makes it easier for you to access and spend your SNAP funds without the hassles of going to the bank or looking for Quest ATMs that dispense $10 all the time. The card is locked with a 4-digit PIN that’s secret to you.

If you live in Illinois, Aldi is a great place to shop with your Link card. About 9% of all Aldi locations in the US are in Illinois. Thus, you’re likely to find an Aldi store that accepts EBT nearby.

To pay with your Link card at an Aldi store, add only SNAP-eligible products into the cart. Then swipe your card at the cash register as you would a normal debit/credit card with a chip. You’ll be prompted to enter your 4-digit secret PIN to authorize the purchase.

Does Aldi Give Cash Back?

Yes, Aldi is among the stores that give the most cash back on debit card purchases. Aldi’s cash back limit varies from store to store, but it’s generally $100 per transaction at most locations. So if you need $200 cash back, you’ll be forced to make two separate transactions. That’s a minor inconvenience if you want to avoid an extra trip to the bank, out-of-network ATM fees, which can be as high as $6, or expensive 24-hour check-cashing places open now.

Aldi doesn’t charge cash back fees. But most places that give $5 or $10 cash back will require a minimum purchase like candy or a buy a newspaper to be eligible for cash back.

Does Aldi Give Cash Back with an EBT Card?

You won’t get cash back with an EBT card at Aldi unless you receive other benefits like TANF.

Here’s why you won’t be able to cash back with your EBT card at Aldi:

Through the US Department of Agriculture, the Federal government runs the Supplemental Nutrition Assistance Program (SNAP). SNAP is geared towards alleviating hunger in the US by supplementing the food budget of low-income families and other disadvantaged groups in society. To achieve that, SNAP uses Electronic Benefits Transfer (EBT) cards to distribute food stamps and other forms of government aid to qualifying recipients.

SNAP funds are loaded into your account every month, and you’re supposed to use your EBT cards to buy SNAP-eligible items at discount stores like Aldi and other SNAP-approved retailers. Thus, SNAP funds can only be accessed and spent through an EBT card. In addition, SNAP doesn’t allow recipients to use the card to get cash back at grocery stores, convenience stores, bakeries, splurge on luxuries, or withdraw money from an ATM, unless they receive other forms of government aid like TANF through the same EBT card.

So if you want to get cash back at Aldi, carry your debit card. There are also other stores and gas stations that do cash back. For instance, Walgreens gives cash back on debit purchases up to $20 per transaction, while CVS gives cash back up to $35 per transaction and sells money orders up to $500 each. So the two pharmacy chains are great places to get cash back when on a prescription trip. You can also buy stamps, get cheap photocopies and fax services nearby.

Does Aldi Take Credit Cards?

Yes, Aldi takes credit cards at all its locations. Many people wonder whether Aldi has started accepting credit cards because, for a long time, it didn’t take credit cards as a payment method. They only accepted cash and major debit card brands. 

Aldi started accepting credit cards in 2016 because they’re a widely used payment method in the US. Another benefit of credit cards is their ease of use and fraud protection offered to customers.

Today, Aldi accepts credit cards from all the major brands like Visa, Amex Express, Discover, and Mastercard.

Does Aldi Take American Express?

Yes, Amex credit and debit cards are accepted at all Aldi stores. Other payment methods accepted at Aldi include MasterCard, Visa, Discover, most debit cards, Link cards, money on a Reliacard, and EBT card. Aldi also takes contactless payment methods like Google Pay and Apple Pay.

That said, Aldi doesn’t accept checks or WIC as payment methods at its stores.

Does Aldi Take Apple Pay?

Aldi stores started accepting Apple Pay in 2017. Today, Aldi takes Apple Pay in all 2,000 locations in the United States. Apple users can use their iPhones, or Apple watches to make in-store payments at the cash register. You can also pay for purchases online via the Instacart mobile app using Apple Wallet.

Does Aldi Accept Google Pay?

Google Pay is another contactless payment method accepted at Aldi. Just like Apple Pay, Aldi stores started accepting Google Pay in 2017. Today, Aldi takes Google Pay in all of its 2,000 locations in the US. Thus, Android users can use their smartphones to make in-store payments at the cash register or pay for purchases online via the Instacart mobile app using their Google Wallet.

Does Aldi Take Coupons?

No, Aldi doesn’t take coupons at its stores or online. Instead, the low-cost grocery chain prides itself as a place for smart, easy, and fast grocery shopping. Since it offers the best grocery deals every day at lower prices than other traditional grocery stores, Aldi maintains that its customers don’t have to clip coupons to save money on groceries.

Aldi also doesn’t accept manufacturers’ coupons. The main reason is that 90% of their products are made of ALDI-exclusive brands. As a result, it only carries a few name-brand products and guarantees that the quality and the price are better than the manufacturers’.

The chain negotiates the lowest prices from the supplier to offer the best grocery prices to customers for the select name-brand products it carries. Thus, they don’t accept manufacturer’s coupons because their prices are already low, and customers don’t need coupons to save money at Aldi stores.

That said, Aldi does offer select regional promotions, and you may find coupons tied to specific events like a Grand Opening. Aldi doesn’t offer online coupons; instead, all their coupons are printed and distributed in-store or mailed directly to you. So if you ever find a printable Aldi coupon, they aren’t genuine because the chain doesn’t accept coupons.

Does Aldi Sell Gift Cards for Other Retail Stores?

Typically, Aldi sells its own gift cards in-store all year round. Aldi doesn’t sell gift cards online, and you can only purchase them at your local grocery store in increments of $5 and up to $100.

That said, Aldi sells gift cards from other stores temporarily during the holiday season. You’ll generally find the gift cards displayed near the checkout lanes during the first or second week of November until the end of the holiday season. 

You can buy gift cards for third-party stores and services at Aldi stores for no additional fee. However, prepaid gift cards like MasterCard, Visa, and American Express gift cards carry an activation fee of up to $6.

Frugal Reality Takeaway: Aldi only sells gift cards from other stores during the holidays.

What is the Aldi Return Policy for EBT items?

The Aldi return policy is the same for customers paying with food stamps and for non-EBT users. Per the government rules, all stores must have the same return policies for EBT users.

Aldi requires a receipt to receive a full refund in the original form of payment. But, the grocery chain will give an Aldi merchandise credit equal to the current price without a receipt. The merchandise credit is an Aldi gift card that can be used at any location.

Does Aldi Take EBT SNAP Card Summary

Aldi takes EBT for in-store and online purchases but doesn’t accept WIC, checks, or coupons. You can only use your EBT card to buy SNAP-eligible items. Charging SNAP-prohibited products on your EBT card will result in your transaction being rejected. 

Bring an alternative form of payment if you want to take advantage of low prices at Aldi to grab a few SNAP-ineligible items. The supermarket chain also takes cash, Reliacard, or debit/credit card from the major brands. Aldi also accepts contactless payment methods like Google Pay and Apple Pay.

You can order groceries online for delivery or curbside pickup at Aldi with an EBT card. But, unfortunately, you won’t be able to pay any additional costs like shopping or delivery fees with the card. So be prepared with an alternative payment method to cover the pickup and Instacart service costs.

Aldi gives cash back on debit purchases up to $100 per transaction, but you can’t use your EBT card to cashback at Aldi. The only time you can cash back at Aldi with an EBT card is when you receive other forms of government aid like TANF. In that case, you may be able to get cash back at grocery stores or withdraw money at Quest ATMs nationwide.

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