What Store Gives The Most Cash Back On Debit Card Purchases?

man looking for what store gives the most cash back

You can often save yourself a trip to the bank when shopping at a store. Getting cash back from stores on your debit card purchase should be easy and relatively cheap as well.

man looking for what store gives the most cash back
What Store Gives The Most Cash Back On Debit Card Purchases? 3

However, some stores charge high fees or set very restrictive limits on cash back purchases. Let’s take a better look at what stores give the most cash back.

How Can I Find A Store That Gives Cash Back Near Me?

Most stores that offer cash back will declare it on their website or at their checkout station. You may also be able to find local cash back partners by looking at information on your bank website.

Most large retail stores, grocery stores, and gas stations will offer cash back, but the fees and limits will vary quite a bit from one store to another. When possible, it's always best to check with the store directly to confirm their cash back policy before making a purchase.

What Stores Give the Most Cash Back on a Debit Card?

There are a few options to consider for those looking to get the most cash back from their debit card. Albertsons, Kroger, Fred Meyer, and Save Mart Supermarkets all offer up to $300 cash back per transaction.

That said, most stores limit cash back amounts to $50 or less – but there are a few notable exceptions. Farm Fresh, Food Lion, Harris Teeter, Ralphs, Safeway, ShopRite, SuperValu, and Vons all offer up to $200 cash back with a debit card.

And some stores will also allow you to get cash back on personal checks and a Discover credit card. Most of these stores don't charge a fee for the cash back transaction, so it's a great way to save money and avoid ATM fees.

What's the Best Way to get Cash Back from a Personal Check?

When you purchase with a personal check, you may be able to get cash back as well. This can be a helpful way to get cash if you don't have enough on hand or if you don't want to pay ATM fees. To get cash back from a personal check, simply ask the cashier at the time of purchase.

Most stores have a minimum purchase amount that you must spend to be eligible for cash back, and they may also limit the amount of cash back that you can receive. If you need more cash than the store limit, you can always write another check.

Keep in mind that many stores have lower limits for personal checks than for debit and credit cards. So if you're planning to get cash back, it's best to use a debit card. With a little planning, getting cash back from a personal check can be quick and easy.

Stores That Give the Most Cash Back ($100 Or More)

The following list of stores will be a good choice if you are looking for more than $100 cash back. These are obviously larger stores where you will potentially also be making a fairly large purchase. 

1. ALDI

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $100 
  • Fees: None

2. Albertson

  • Accepted Payment Methods: Debit Card & Discover Credit Card 
  • Cash Back Limit: $300 for a debit card; if using a Discover Credit card, the limit is $120 
  • Fees: None 

3. Food Lion

One thing that is good to note about Food Lion's cash back is that you don’t have to make a Food Lion purchase just to get cash back. If you simply need cash, you can get $100 with no purchase made. Most other stores on this list will require a purchase before getting your cash back. 

  • Accepted Payment Methods: Debit Card and Check 
  • Cash Back Limit: $200 with a debit card, only $50 with a check 
  • Fees: None

4. Safeway

  • Accepted Payment Methods: Debit Card or Discover Credit Card Check 
  • Cash Back Limit: $200
  • Fees: None 

5. Save Mart Supermarkets

  • Accepted Payment Methods:  Debit Card only 
  • Cash Back Limit: $200 to $300 
  • Fees: None

6. Shoppers Food Warehouse

Shoppers Food Warehouse has one of the higher limits when compared to other options out there. However, if you need quite a bit of cash back, make sure you don’t go to the self-checkout center; the limits are quite a bit lower. 

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $300 or $100 (Self Checkout) 
  • Fees: None

7. Walmart

Walmart has quite a system in place when it comes to cash back. You will want to know that there are a few limits depending on how you get your cash back. If using a debit card, your limit will be $100. If you go to self-checkout, expect the limit to be $60. The limit for Discover is $60, and personal checks are $20. 

  • Accepted Payment Methods: Debit Card, Discover Credit, Check 
  • Cash Back Limit: Between $20 and $100 (see below) 
  • Fees: None

8. Whole Foods

  • Accepted Payment Methods: Debit Card
  • Cash Back Limit: $100 
  • Fees: None 

9. Winn-Dixie

  • Accepted Payment Methods: Debit Card & Discover Credit Card 
  • Cash Back Limit: $100
  • Fees: None 

Gas Stations That Give Cash Back Near Me

The following is a list of gas stations that give cash back. The amount of cash back that you can get will vary significantly between these gas stations. Since many gas stations are located across the street from each other, it pays to know where you can get the most bang for your buck!

Try and keep in mind that many gas stations are independently owned, which could impact the amount of cash back they give. 

10. 7-Eleven

Although 7-Eleven does not charge any fees, keep in mind that they limit you to two daily transactions. 

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $10 
  • Fees: None

11. AmPm

  • Accepted Payment Methods: Debit card 
  • Cash Back Limit: Depends on location, usually around $20 or less
  • Fees: No fees but $2.50 minimum purchase 

12. BP

  • Accepted Payment Methods: Debit Card
  • Cash Back Limit: Depends on location, usually around $20 
  • Fees: No fees but must spend $3.00 

13. Chevron

  • Accepted Payment Methods: Debit Card
  • Cash Back Limit: $40
  • Fees: None 

14. Circle K

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $40 
  • Fees: None

15. Citgo

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $40
  • Fees: None

16. Conoco

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $50 
  • Fees: None, must spend $3.00

17. ExxonMobil

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $40 
  • Fees: None 

18. Marathon

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $50
  • Fees: $1.99

19. Phillips 66

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $50 
  • Fees: None, must spend more than $3.00

20. Shell

The Shell gas stations do not all allow you to cash a personal check. If you need to cash a check, it is best to call first to see if this is allowed at your local shell station. 

  • Accepted Payment Methods: Debit Card and Personal Check 
  • Cash Back Limit: $40 
  • Fees: None

21. Sunoco

  • Accepted Payment Methods: Debit Cards (No Discover Debit Cards) 
  • Cash Back Limit: $40 
  • Fees: None 

22. Texaco

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit:  $10 to $20 depending on the location 
  • Fees: None 

23. Valero

It is important to note that the Valero stations that we researched had a wide range of cash back maximums. If you are set on getting a certain amount, it may be worth calling the gas station first to ensure it is an available service. 

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $40 
  • Fees: None

Other Stores That Do Cash Back

At this point, you should see that finding a cash back deal near you is not going to be difficult. There are many locations where you can get this done, and some that don’t even require you to make a purchase. Here are a few other stores that will allow cash back. 

24. Dollar General

  • Accepted Payment Methods: Debit Card or Discover Credit Card 
  • Cash Back Limit: $40 
  • Fees: None 

25. Dollar Tree

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $50 
  • Fees: $1.00

26. Family Dollar

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $50 
  • Fees: None

27. Staples

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $40 
  • Fees: None 

28. CVS

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $35 
  • Fees: None 

29. Rite Aid

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $40
  • Fees: None 

30. Walgreens 

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $20 
  • Fees: None 

31. Costco 

Remember that to take advantage of the Costco cash back services, you will have to be a member of Costco. The membership fees for Costco will vary depending on your type of membership for the year. 

  • Accepted Payment Methods: Debit Card 
  • Cash Back Limit: $60 
  • Fees: None

32. Target

  • Accepted Payment Methods: Debit Card and Check 
  • Cash Back Limit: $40 for a debit card and $20 for a check 
  • Fees: None 

Use Apps To Get The Most Cash Back With Your Debit Card

Earning cash back and getting cash back are two different things. Some great shopping apps exist to help you save and make some money when you are shopping.

These apps are pretty incredible because you can shop without having to do anything, and you will earn extra money. Rakuten and Dosh are two great ways that you can earn cash back with your debit card. 

Rakuten

If you haven’t downloaded the Rakuten app, you may want to do it today. This is one of those things you will ask yourself why you didn’t sign up sooner. 

It is very easy to use Rakuten when shopping online. You simply download the app on your phone and keep it running in the background when you shop. 

However, if you are purchasing items at stores, there are still ways to earn cash back on your debit card purchases. All you need to do is link your Rakuten account with your debit card. You will earn cash back on all eligible debit card purchases as soon as you do this. 

However you decide to utilize the services of Rakuten; we highly recommend ensuring that you always keep it running while you shop. You never know the offer that you may get that day. If you do quite a bit of shopping, the totals of what you can earn will surprise you. 

Dosh

Dosh is a similar service to Rakuten. When you have the Dosh app or a Dosh account, you can tie your credit card and debit card into the service. When you make a purchase that qualifies you for an offer, the money will collect in your Dosh account. 

Similar to Rakuten, Dosh will work for shopping, dining out, and really any type of purchase with your cards. Many local businesses will offer additional benefits for Dosh users, giving you more incentive to choose one retailer over another. 

If you do quite a bit of shopping, you should take some time to get familiar with the different Dosh offers that are out there. In fact, the offers change from time to time, and you can also sign up for email alerts so that you are ready should a great offer come up. 

One of the most important things to remember when using Dosh is that even when you use your Debit card, you must swipe it as a credit card. If you don’t swipe it as a credit card, the debit card transaction will go through the bank, and you will lose out on your offer.

This is one of the major complaints that people have with Dosh; however, if you can remember this, you will save quite a bit of money using this app. It’s hard to complain about ways to save money on everyday shopping without having to do anything other than sign into an app.

Conclusion

You know how we feel about saving money and keeping track of our spending. These apps have proven that they are certainly worth adding to your shopping routine.