Does CVS Give Cash Back - Frugal Reality

Does CVS Give Cash Back? What’s the CVS Cash Back Limit? [Ultimate Guide]

Digital wallets like PayPal and Venmo, mobile payment solutions like Google Pay and Apple Pay, and debit/credit cards with chips have played an enormous role in transitioning the world into a cashless economy. Digital payment solutions are here to stay!

Despite the vast changes in the financial landscape, cash has refused to go away. Many Americans resort to cash-only transactions as one of the frugal living tips to save money through the envelope system budget. Unfortunately, though, not everything can be paid for with a card. Most people use cash to cover everyday smaller purchases, like getting a cheap haircut or an FM radio for a drive-in movie.

So what’s the first thing that comes into your mind when you want to find a place to withdraw cash? Drive to the bank, right? You’re not alone. For many people, their first instinct is to find ATMs nearby that dispense $10 bills for quick cash without paying high out-of-network fees.

But why would someone want to find CVS cashback options when there are ATMs that dispense $5, $1, $50, or $100 down the street?

Convenience is the name of the game in today’s busy economy. The modern consumer is time-strapped by demanding work schedules and tight deadlines. Like never before, people want to save time by knocking off a few tasks on their to-do lists in a single errand.

Finding your bank’s no-fee ATM may require more time and more gas vs. using an out-of-network ATM with high fees up to $6. That’s maddening for a frugal consumer trying to drastically cut expenses and save money.

Thus, getting CVS 5 dollar cash back or more when getting a prescription is a great way to sidestep all these hassles and cut an otherwise mandatory trip to an ATM.

That’s why many ask: Does CVS give $10 cash back?

Fast Answer: CVS stores offer cash back on debit cash purchases up to $35 per transaction. They don’t charge cash back fees, but the CVS cash back policy requires you to make a purchase.

The good thing is, there isn’t a set minimum spend for cash back eligibility. Just purchase anything like a bottle of filtered water or hair dye for the whole head to get cash back. CVS cash back increments are $5, $10, $15, $20, $25, $30 and $35. You can choose to get cash back in coins, bills, or a combination of both in any available denominations.

Discover cash back is also possible at CVS. Since the Discover credit card allows users to get cash back up to $120 with its “cash over” feature, you can purchase anything. For instance, you buy a bag of ice to get up to the $35 CVS store cash back limit. 

Though you may have to make an unplanned purchase to qualify for cash back, it’s still cheaper than expensive ATM fees and driving around with high gas prices.

The good thing is, CVS is everywhere, with many 24-hour pharmacies nearby. It has around 10,000 stores throughout the US where you can buy stamps, cheap photocopies, and fax service. It’s a great place to accomplish multiple tasks in a single errand, like buying cheap grocery items on your grocery list.

That said, CVS doesn’t offer cash back on personal checks, money orders, gift card purchases like American Express gift cards, or other credit cards except for Discover Cards. So make sure you bring your debit card or Discover Credit Card if you want to get cash back at CVS stores.

Can You Get Cash Back at CVS Using a Debit Card?

Yes, you can get cash back at CVS using a debit card. The CVS policy allows customers to get cash back on purchases up to $35; there’s no set minimum spend to qualify.

Simply have the cashier add additional cash to your total bill at the checkout. For instance, if you buy items worth $23 and want to receive $15 cashback, you’ll pay $38 at the cash register. 

But if your main goal is to get cash back, just buy anything like a newspaper for less than a dollar on your unexpired debit card. Let’s say you buy a newspaper for $0.75, and you want the maximum cash back of $35. You’ll pay $35.75 and cashier will give you $35 in cash.

The only downside is that CVS has a maximum cash back limit of $35 per transaction. That means you may have to make multiple purchases for more than $35 in extra cash. For instance, you’ll need to purchase two separate items to get $50 cash back at a CVS store. Though it’s inconvenient, it may be worth making multiple transactions to save ATM fees.

That said, most CVS stores have Allpoint Network surcharge-free ATMs and US bank ATMs next to the register. They are surcharge-free for eligible customers, but non-customers face out-of-network ATM withdrawal fees of $2-$4. You can also visit nearby stores that give the most cash back on debit cards.

Frugal Reality tip: The cash back amounts at grocery stores count toward your debit card’s daily purchase limit. Going over the limit may attract unwanted fees from your bank. Overdrawing your account also comes with overdraft fees. Check your savings or checking balance to make sure you don’t go over your limit.

For instance, Wells Fargo has an overdraft fee of $35 per item, while Chase Bank has a $34 insufficient funds fee. That’s quite high when you’re just trying to get $10 cash back.

Can You Get Cash Back at CVS with a Credit Card?

Yes, you can get cash back at CVS with a Discover credit card only. The Discover Card has a “Cash Over” feature that allows customers to receive cash back on purchases, just like a debit card. When you swipe your Discover Card at the payment register, the prompt asks whether you need cash back. You can select up to the policy limit for each retailer.

The Discover Card allows users to receive up to $120 cash back every 24 hours. It has no monthly cash back limit. However, CVS has a maximum cash back limit of $35 per transaction. That means Discover cash back at CVS is capped at $35 per transaction.

But just like a debit card, you can run multiple transactions to receive the maximum allowable daily cash back on your Discover Credit card. For instance, you’ll need to make up to four separate purchases to receive up to $120 from your Discover credit card at a CVS store.

That said, the CVS cash back policy doesn’t allow customers to use other types of credit cards. Instead, you’ll be required to use a Discover credit card or a debit card at CVS stores.

See our guide on using EBT cards at CVS.

Does CVS Give Cash Back on Personal Checks?

CVS doesn’t give cash back on personal checks. The CVS cash back policy only allows customers to get cash back on debit cards and Discover Credit Card up to $35 per transaction. That means you cannot overwrite a personal check to get cash back when paying with a check at a CVS store.

Stores like CVS impose restrictions on personal checks and third-party checks as a way to curb fraud. However, due to the risk of fraud and the lengthy processing times associated with handwritten paper checks, many stores steer clear of giving cash back or 24-hour check cashing

Also, CVS doesn’t offer personal check cashing services. If you want to cash a paper check in town, check out these ten places where to cash a personal check near me.

Also see our guide on places that cash checks without an ID.

What’s the CVS Cash Back Limit?

How much can you get back on debit cash purchases at CVS? The CVS cash back limit is $35 per transaction. There’s no set minimum purchase amount you must make to be eligible for cash back at CVS. Just get anything like buying discount meat or cheap diapers.

The minimum cash back at CVS may vary by store, but usually, CVS increments include $5, $10, $15, $20, $25, $30, and $35. You can get cash in whatever denominations are available, like coins, bills, or a combination of both.

Since CVS isn’t a bank, the store imposes a maximum cash back limit per transaction. Part of the reason is to keep enough cash on hand to facilitate cash transactions without experiencing cash crunches.

Another reason is the issue of pinless card fraud. Someone may be trying to use a stolen debit card or a debit card without a PIN to get cash back at a CVS store. Thus, grocery stores limit the amount you can get per transaction to limit fraud. That’s why CVS has a limit per transaction.

So if you want to get CVS 5 dollar cash back, visit your nearby CVS pharmacy and purchase anything to avoid out-of-network fees for small amounts.

Is There a CVS Cash Back Fee? 

No, CVS doesn’t charge any cash back fees. The only requirement is that you make a purchase. And the good thing is, there isn’t a minimum purchase requirement. So even if it costs less than a dollar, you can buy anything and get up to a maximum of $35 cash back.

The service is just a good-faith gesture CVS extends to its customers to save them time from searching for a nearby ATM and paying expensive out-of-network surcharges.

Frugal Reality Takeaway: There’s no CVS cash back fee. Just purchase anything, like protein powder, with your debit or Discover Credit card to be eligible for cashback.

How To Get Cash Back at CVS Using a Debit Card?

Buying stuff at CVS or just make a purchase to get cash back is the same process. But if your main aim is to get money back, look for low-cost items to avoid wasting money on unplanned purchases. 

Here’s how it get cash back at CVS using a debit card:

  • Swipe your card: Once you are done shopping, proceed to the checkout counter and swipe your card. The cashier will ask you whether you want cashback or the card reader displays a prompt with the question. 
  • Say yes: Simply say yes and choose to get up to $35.
  • Added to total: The cash back amount is added to your purchase total. So, for instance, you’ll be charged a total of $35.75 if you purchase a newspaper for $0.75 and want an extra $35 back.
  • Confirm amount: You’ll then be asked to confirm whether the total is correct.
  • Receive your cash: Once you confirm, the transaction goes through. The clerk will then hand over the cash with your items. The receipt will reflect the purchase total and itemize the items and cash.
  • Ask for denominations: You can ask the cashier to give you coins, bills, or a mix of both, depending on the available change in the drawer.

Frugal Reality Tip: Your cash backis lumped with your purchase total and the full amount charged on your debit card as a single transaction. Therefore, cash back won’t appear on your monthly bank or credit card statement.

Why Do You Want Cash Back at CVS?

There are several occasions when getting cash back at CVS makes sense, including:

  • Convenience: Convenience is the top reason why you should consider CVS stores for cash back. You’re likely to drive past one of the approximate 10,000 CVS locations across the country.
  • Avoid out of network fees: Out-of-network ATM withdrawal fees can be as high as $6 in some regions. The fees can quickly skyrocket with a few transactions a month. Slash the fees by getting cash back at a nearby CVS store.
  • Smaller withdrawals: It makes no sense to pay $6 to withdraw $10 or $20. If you can’t find a nearby bank ATM, finding a CVS store that gives cash back with no fees is a big win.
  • Save time & gas: You can get a prescription filled at a CVS in any state, shop for groceries, buy stumps, and make copies. Accomplishing multiple tasks in a single errand is a great way to save time and money on gas.
  • No cash back fee: CVS doesn’t charge any cash back fees. You only need to make a minimum purchase to qualify.

Frugal Reality Tip: Making a small purchase is minor compared to expensive ATM surcharge fees.

Can You Use Apple Pay for Cash Back at CVS?

No, you can’t use Apple Pay for cash back at CVS. It’s because the CVS policy only allows customers to receive cash back on debit cards and Discover card purchases.

But if you want to use Apple Pay for cash back at CVS, there’s a way around it. You can sign up for Apple Pay with a Discover Cash Back Debit Card. CVS allows customers to receive cash back on their Discover card up to $35 per transaction.

Discover offers 1% cash back rewards for all transactions made with Apple Pay using the Discover Cashback Debit card.

Frugal Reality Tip: You cannot use Apple Pay at CVS to make purchases with the app or CVS online.

Other Stores That Offer Cash Back

CVS is a great place to get cash back up to $35 when on a prescription trip, shopping a few grocery items or when there an in-network ATM nearby. But CVS isn’t your only option. For instance, Walgreens offers cash back up to $20 on debit card purchases.

You can also find grocery stores that give the most cashback. Stores in this category offer higher cash back amounts up to $300. In addition, nearby gas stations that offer cash back are good places to get cash back when traveling.

Some grocery stores, gas stations, convenience stores, and pharmacy chains that offer cash back may charge similar out-of-network fees, but mostly, places that give $5 or $10 cash back don’t charge cash back fees. You just need to make a minimum purchase to be eligible.

Does CVS accept Venmo?

Yes, CVS accepts Venmo at the self-checkout counter or with a cashier. According to PayPal, cash back self-checkout perks include a $10 cash back for your first CVS in-store purchase using Venmo or PayPal. Other accepted payment methods at CVS include debit/credit cards, cash, Reliacard deposits, check, gift cards, among others.

Also, all CVS stores accept EBT food stamps for eligible SNAP purchases.

That said, not all accepted payment methods qualify for cash back. To be eligible, you must use your debit card or Discover credit card to purchase anything at a CVS store.

Does CVS Give Cash Back Summary

Many Americans flock to CVS stores to purchase prescription drugs, groceries, and more. That makes CVS a convenient place to get cash back and cut extra trips to the bank while running errands. 

As a convenience to its customers, CVS offers cash back on debit card purchases up to $35. CVS doesn’t charge any cash back fees or minimum purchase requirements. To be eligible for cash back, just purchase any item of choice.

You can also use your Discover Card to get cash back at CVS, but just like debit cards, using Discover at CVS is capped at a maximum of $35 per transaction. If you need more than $35, then you’ll have to make separate purchases.

Watch your balance to avoid exceeding your debit card’s purchase limit or overdrawing your account. You can be hit with bank overdraft fees of up to $35 trying to get CVS 5 dollar cash back. That’s not how frugal consumers live!

See our guide on Great Depression survival tips.

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