What Store Gives Most Cash Back on Debit Card - Frugal Reality

What Store Gives The Most Cash Back on Debit Card? (22 Places)

Are you looking for the stores that give the most cashback on a debit card? For someone who patronizes banks and ATMs, finding stores that give cash back on debit cards can save you time and money.

The truth is, banks, credit unions, and other financial institutions are the main places where people go to withdraw cash. You simply go to your branch, use your debit card with a chip, and withdraw $10 from an ATM for free.

Generally, ATM cash withdrawal limits tend to range from $300 to $5,000 per day. The limit is set by each bank or credit union.

Top reasons you need to find stores that give the most cash back at the register:

  • Convenience: You just want to combine a few errands into a single trip. Finding a store that gives the most cash back is convenient if you need to withdraw $100 or more. You can combine weekend grocery store shopping and your bank transactions into one trip.
  • Avoid out-of-network fees: Out-of-network fees can be as high as $5! Why pay such a premium to access your own money. Imagine finding an ATM that lets you withdraw $5 or $1 and then getting charged a $5 fee. The nearest Fred Meyer or Albertsons store will give you $200 with no transaction fee.
  • Save a late trip to the bank: What if you need $300 fast at 8 pm on the weekend and the nearest ATM is miles away? Find a store that gives $300 cash back can be convenient.
  • Save time and money: Every dollar counts for a frugal consumer. A trip to the bank is more time and a gas sucker. The average US household lives only 2.14 miles from their nearest supermarket or supercenter.

Now the question is: What stores give the most cash on a debit card near me?

Quick Answer: Most stores that give cash back allow only small cash back amounts like $10 to $50. Luckily, some grocery stores offer higher amounts. The grocery stores may even allow you to get cash back on personal checks and a Discover credit card.

The grocery stores that give the most cash back are Albertsons, Kroger, Fred Meyer, and Save Mart Supermarkets, with up to $300 each.

Farm Fresh, Food Lion, Harris Teeter, Ralphs, Safeway, ShopRite, SuperValu, and Vons offer up to $200 cash back with a debit card.

All our listed pharmacies, office supply stores, convenience stores, retailers, and gas stations are under $100.

Most of the stores on our list don’t charge cash back fees. You’ll save a trip to the bank and avoid the high out-of-network ATM fees that eat into your hard-earned money. It’s a great way to save money by making smart financial decisions.

How to Get Cash Back with a Debit Card?

Getting cash back with a debit card is pretty straightforward. Just walk into a store and make a minimum purchase for eligibility. At the register, Swipe and PIN your card to pay for the purchase. It will not work if you plan to use a debit card without a

PIN number.

The cashier or the card reader will ask you to choose debit or credit. If you choose credit, you won’t be eligible for cash back.

Instead, choose debit. You’ll then be asked whether you want to get cash back. Choose “Yes” and Enter. Eligible cash back amounts will be listed on the screen. You can select any of the choices or enter a custom amount as long as it is within the allowable limit set by the store.

If you made a $10 purchase and you need $100 cash back. Your transaction will reflect a total purchase amount of $110. The cashier will hand you the extra $100, along with the purchase receipt.

Your receipt will have three figures: The purchase amount, the cash back amount, and the total transaction.

However, your bank statement will only reflect a single charge of $110. The cash back at the register won’t show on your bank statement. The store makes a single debit payment request from your checking account.

How to Get Cash Back with a Credit Card?

As a general rule, you won’t be able to get cash back from credit cards. Card issuers and stores have strict policies on credit card cash advances and cash back. You may hurt your credit score or get slapped with cash advance fees.

But as with many rules, there are exceptions. One such exception is the Discover credit card. The card comes bundled with the Discover Cash Over feature that allows car owners to get cash back up to $120 within 24 hours. And the good thing is, the Discover Cash Over has no transaction fees to get cash back.

But, the amount of cash back from your Discover credit card will depend on the store’s cash back policy. Though Discover has a $120 limit, you can’t exceed the limit set by the store.

Hannaford, for example, has a cash back limit of up to $100. You can only withdraw $100 using the Discover credit card because the store has a lower limit than Discover.

But you’ll be able to get $120 cash back on your Discover Credit card from stores that have a higher cash back limit. Kroger, Ralphs, and Fred Meyer are good examples of stores that give the most cash back on debit cards and Discover credit cards.

How to Get Cash Back with a Personal Check?

Some stores allow customers to get cash back using a personal check. Pay for your purchase and the cash back amount using a personal check without exceeding the store limit. Though, many stores have a lower cash back limit for personal checks vs. debit and credit cards.

For example, your stuff costs $75, and you want $25 cash back. Make out a check for $100. The cashier will have you $25 and your receipt with the itemized transaction.

It’s more difficult to find stores that cash checks due to the risk of personal check fraud. Even grocery and liquor stores that cash checks limit the amount between $20-$50.

Kroger, Vons, Walmart, Harris Teeter, and Hannaford are the top examples of stores that offer cash back on personal checks.

Stores That Give The Most Cash Back on Debit Card Infographic

Print and share our infographic for stores that give the most cash back using a debit card.

Store Gives The Most Cash Back

There are over 40,000 grocery stores in the US. According to our list, they have the highest limits and customer-friendly policies. Stores have different money service requirements, and it even varies among different store chains.

Cash back is a service of convenience, and usually, the fee is waived, while some places charge a small processing fee to offset related costs.

It’s much easier to find where to get $5 or $10 cash back vs. a place with a high limit. You’ll see below that grocery stores like Fred Meyer, Albertsons, and Kroger have the highest limits.

1. Albertsons

Albertsons grocery has more than 2,200 locations in about 35 states.

Types: Mastercard, Visa debit cards, or Discover credit cards
Limit: $100-$300 on debit and up to $120 for Discover credit
Fee: No
Other services: Make copies, cheap fax services, stamps, Coinstar, Western Union money orders, check if your store offers 24-hour check cashing
Hours: Store hours are typically 7:30 am to 8:30 pm, unless it’s a 24-hour grocery store

Find a Albertsons grocery store that offers the most cash back.

2. ALDI

ALDI has more than 2,000 low-priced grocery stores across 36 states.

Types: Visa, Mastercard, Discover debit cards
Limit: $100, varies by store
Fee: No
Other services:  Buy discount meat, ATM
Hours: Normally open 9 am to 9 pm

Find an ALDI grocery store where I can get 5 dollars cash back.

3. Farm Fresh

Farm Fresh is a competitively priced grocery store in Virginia and North Carolina.

Types: Debit cards and Discover credit card
Limit: $200 debit card, $120 Discover credit limit
Requirements: Policies may vary because most stores are independently owned and operated
Other services: Pharmacy

Find a Farm Fresh grocery store with the highest cash back.

4. Food Lion

Food Lion has more than 1,000 supermarkets across ten mid-Atlantic and southeastern states.

Types: Debit cards only
Limit: $200 debit card transactions, $200 limit with EBT card, $50 personal checks
Fee: No
Requirements: If you don’t make a minimum purchase, then you’re limited up to $100 cash back
Other services: Sells money orders, free coin counting machines in exchange for gift card, lotto
Hours: Open late until 9 pm at most stores, including weekends

Find a Food Lion grocery store for maximum cash back on a debit card.

5. Fred Meyer

Fred Meyer has over 130 supermarkets known for their prices, selection, quality, and service.

Types: Debit cards only
Limit: $300
Fee: $0.50-$3.50
Other services: Sell dry ice, buy stamps, buy money orders, flowers, fuel station, sells liquor
Hours: Open until 9 pm Monday to Saturday and until 6 pm on Sunday’s

Find a Fred Meyer that has a gas station that cash checks.

6. Hannaford

Hannaford supermarket and gas stations have more than 180 locations in the northeast, including Massachusetts, Maine, New Hampshire, Vermont, and New York.

Types: Debit cards, Discover credit card, personal checks
Limit: $100
Fee: No
Other services: Gift cards, DVD rental, order groceries online, pharmacy, rug cleaner rental, a liquor store that cashes checks
Hours: Most stores are open late until 10 pm

Find a Hannaford grocery store to get late-night cash back.

7. Harris Teeter

Harris Teeter has more than 230 grocery stores and seven gas stations in seven states. Harris allows you to get cash back using a personal check if you can’t use your debit card without a PIN number.

Types: Debit cards and personal checks
Limit: $200 for debit card and $25 for personal checks
Fee: $0.50-$3.50
Requirements: A valid Harris Teeter VIC card is needed for cash back for personal checks
Other services: Money order, Coinstar, free in-store WiFi, pharmacy, sell gift cards, movie rentals, lottery tickets, grocery carry-outs, ATM
Hours: 6 am to 11 pm at most locations

Find a Harris Teeter grocery store where I can get $10 cash back.

8. JayC

JayC has more than 60 grocery stores in Indiana.

Types: Debit cards, Discover credit card
Limit: $100
Fee: No
Other services: Gift cards, fuel, stamps, lotto, pharmacy, money services, buy hair dye, sells alcohol

Find a JayC grocery store where I can get $5 cash back with a debit card.

9. Jewel-Osco

Jewel-Osco has more than 180 grocery stores in the Chicago area. Jewel doesn’t cash third-party checks but will give cash back for up to $100.

Types: Debit cards, Discover credit card
Limit: $100
Fee: No
Other services: Western Union money order, Rug Doctor carpet cleaner rental, sell alcohol, wedding flowers, pharmacy, check cashing, Coinstar, movie rental
Hours: 6 am to midnight

Find a Jewel-Osco grocery store that gives the most cash back with a debit card.

10. Kroger

Kroger has around 2,800 grocery stores and pharmacies in 35 states and one of the largest retailers in the world.

Types: Debit cards, Discover credit cards, personal checks
Limit: $300 on a debit card, $20 for personal checks, $120 for Discover credit card
Fee: Up to $3
Other services: Sell dry ice, get money orders, ATM service, cheap notary service
Hours: Most locations are open at 7 am and close between 9–11 pm

Find a Kroger grocery store that gives the highest cash back on a debit card.

11. Mariano’s

Mariano’s has more than 45 grocery stores in the Chicago area.

Types: Debit cards, Discover credit card
Limit: $100
Fee: No
Other services: Coinstar, long-distance phone cards, send money via Western Union, check cashing, save money on diapers
Hours: Open late until 10 pm

Find a Mariano’s grocery store where I can get 5 dollars cash back on a credit card.

12. Publix

Publix has over 1,200 grocery stores in the southeast. Publix doesn’t have an ATM that dispenses $5, $1, $50, or $100; you can go to the register at Publix to get cash back.

Types: Debit cards
Limit: $100
Fee: No
Other services: Western Union money transfer, sell stamps, retail gift cards, make photocopies, sell dry ice, buy money orders
Hours: Most stores close between 9–10 pm

Find a Publix cash back store near me.

See our guide on can you cash a check at Publix.

13. Ralphs

Ralphs has more than 460 grocery stores in the Midwest and California.

Types: Debit cards, Discover credit card
Limit: $200
Fee: $0.50
Other services: Send money, pay bills, check to cash, get a money order, prepaid cards
Hours: Open late night until midnight – 2 am

Find a Ralphs grocery store that gives the most cash back with a credit card.

14. Safeway

Safeway has more than 265 grocery stores in Hawaii and Northern California.

Types: Debit cards, Discover credit card
Limit: $200
Fee: No
Other services: ATM services, money orders, Rug Doctor Rental, buy dry ice, Coinstar
Hours: Open until midnight at most locations with some closing between 9 pm or 10 pm

Find a Safeway grocery store that gives cash back with a Visa debit card.

15. Save Mart Supermarkets

Save Mart Supermarkets has more than 250 grocery stores in California.

Types: Debit cards only
Limit: $200-$300 varies by store
Fee: No
Other services: Sell postage stamps, lift tickets, pharmacy, money orders, and transfers, sell liquor
Hours: Open late until 10 pm

Find a Save Mart Supermarkets grocery store that gives the highest cash back with a debit card.

16. Shoppers Food Warehouse

Shoppers Food Warehouse has more than 20 supermarkets in Baltimore and Washington DC area.

Types: Debit cards only
Limit: $100 at the self-checkout, $300 at the cash register
Fee: No
Other services: RugDoctor cleaning rentals, coin to cash machine, money wires and money orders, Redbox movie rentals
Hours: Seven days a week from 6 am – 11 pm

Find a Shoppers Food Warehouse grocery store open 7-days a week that gives cash back.

17. ShopRite

ShopRite has more than 320 grocery stores in the northeast.

Types: Debit card, Discover credit card
Limit: $200 for debit cards, $120 Discover credit
Fee: No
Other services: Postage stamp sales, money order, money transfers, bus ticket sales
Hours: Open late until 10 to midnight

Find a ShopRite grocery store that gives cash back on a Visa debit card.

18. SuperValu

SuperValu has more than 2,300 grocery stores also under the brands Save-A-Lot and Cub Foods.

Types: Debit cards and Discover credit card
Limit: $200 for debit cards and $120 for Discover credit cards
Other services: ATM, MoneyGram money transfer services

Find a SuperValu grocery store near me that gives cash back.

19. Vons

Vons has more than 155 stores across Southern California.

Types: Debit card, Discover credit card, personal checks
Limit: $200 for debit cards, $25 personal checks
Fee: No
Requirements: Minimum purchase
Other services: Sells MoneyGram and Western Union money orders for a low price, stamps, get keys made at a kiosk, ATM
Hours: Most grocery stores are open late until 11 pm or midnight

Find a Vons grocery store open late that gives cash back with a credit card.

20. Whole Foods

Whole Foods has around 500 Whole Foods grocery stores across the country known for its organic selection.

Types: Debit cards only
Limit: $100
Fee: No
Other services: Gift cards, grocery delivery, flower arrangements, meal prep, Amazon returns
Hours: 8 am to 9 pm

Find a Whole Foods grocery store for cash back on my debit card.

21. Winn-Dixie

Winn-Dixie has roughly 500 grocery stores in the southeast. They don’t have an ATM that dispenses $10, but instead, you can get $10 cash back with your debit card.

Types: Debit cards, Discover credit card
Limit: $100
Fee: No
Other services: Lottery, floral arrangements, sell American Express gift cards, discount event tickets, retail gift cards, Western Union money transfer
Hours: Late night hours that range from 10 pm to midnight

Find a Winn-Dixie grocery store that does cash back near me.

22. Walmart

Walmart has more than 4,700 retail stores across the country.

Types: Debit card, personal check
Limit: $100
Fee: No
Requirements: A debit card allows increments of $20 denominations, but $20 or less when using a personal check
Other services: Coinstar, Wheel alignment, buy kerosene, make keys, cheap haircuts, postage stamps, cheap trendy clothes, party store that cash checks without an ID, bagged ice
Hours: Most stores are open 24-hours a day

Find a Walmart retail store that gives cash back on my debit card near me.

See our Walmart check cashing policy and money services guide.

Stores That Gives The Most Cash Back on Debit Card Summary

Banks and credit unions may be your go-to place when you want to withdraw cash in large denominations. But banks have limited hours and locations. Sometimes, you need to pay cash fast, and you don’t want to pay high out-of-network ATM fees. You may need more than $5-$10, but instead a few hundred to buy some used furniture for cash.

Finding a store that gives the most cash near you is convenient and a way to save money on gas and time. Though most stores have smaller limits, some stores like Kroger, Fred Meyer, and Save Mart Supermarkets offer the most cash back up to $300.

There are grocery stores and retailers that have no minimum purchase requirements. You just need to purchase something while others assess a fee. If you are assessed a nominal fee, it’s likely still cheaper and saves you time from driving to your bank branch. 

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