60+ Stores That Give Cash Back on Debit Card Purchases

Getting cash back during a debit card purchase is one of the easiest ways to avoid ATM fees and keep cash on hand—without making an extra trip. Whether you’re grocery shopping or picking up a few things at the gas station, many stores let you withdraw cash at checkout.

This guide breaks down how debit card cash back works and lists over 60 stores that offer it. If you want to skip the ATM and save time (and fees), here’s where to go.

What is cash back on debit card purchases?

Cash back on debit cards is a simple way to withdraw cash while you shop. Instead of going to an ATM, you can get cash at the register when you make a debit card purchase—usually at grocery stores, gas stations, and big box retailers.

Here’s how it works: if you’re buying $20 worth of groceries, you can ask for an extra $40 in cash. Your total becomes $60, and the cashier hands you the cash on the spot—no ATM needed, no fee (in most cases).

Grocery Stores That Offer Cash Back

Grocery stores are one of the most reliable places to get cash back with a debit card. Since most people shop for groceries regularly, it’s an easy way to grab cash without making a separate stop. Most stores don’t charge a fee, and you typically only need a small purchase to qualify.

Here are grocery chains that commonly offer cash back:

Remember, each store has its own cash back limit, so if you need a large amount, the bank may still be your best bet.

Gas Stations That Offer Cash Back

Many gas stations let you get cash back when paying with a debit card. It’s a convenient option if you need a small amount of cash and don’t want to search for an ATM.

Gas stations that typically offer cash back include:

Cash back limits at gas stations are usually lower than at grocery stores—often $10 or $20. If you need more than that, you’re better off going to a grocery store or using your bank’s ATM.

Retail and Department Stores With Cash Back

Many retail and department stores offer cash back on debit card purchases, often with no fee and a low minimum spend. In some cases, even a small item—like a pack of gum—is enough to qualify.

Stores that typically offer cash back include:

• Costco
• CVS
• Kmart
• Rite Aid
• Staples
• Target
• Walgreens
• Walmart

At some locations, you may need to check out at a regular register or visit the customer service desk to request cash back. Policies vary, so it’s smart to ask before checking out.

Other Places to Get Cash Back on Debit Purchases

Beyond grocery stores and big-name retailers, several other businesses offer cash back when you pay with a debit card. Policies can vary by location, so it’s always smart to ask at the register or customer service desk.

• Home improvement stores – Lowe’s, Menards, and Home Depot often allow debit card cash back, especially at self-checkout or staffed lanes.
• Convenience stores – Many Circle K, 7-Eleven, and Wawa locations offer cash back with small purchases.
• Discount stores – Dollar General, Dollar Tree, and Family Dollar usually provide cash back, though some charge a small fee.
• Office supply stores – Staples and Office Depot may offer cash back, especially at the main checkout counters.
• Pet supply stores – Select PetSmart and Petco locations allow cash back with debit card payments.
• Specialty retailers – Some stores like Bed Bath & Beyond or Bath & Body Works may allow cash back, but this varies widely by location and policy.

Always confirm the store’s policy before checking out—especially if you’re relying on cash back instead of using an ATM.

Smart Ways to Use Debit Card Cash Back

Cash back isn’t just convenient—it can help you save on ATM fees and manage your spending more efficiently. Here are a few simple ways to make it work for you:

• Skip the ATM trip – Plan to get cash back while grocery shopping or running errands instead of making a separate stop.
• Replace personal checks – Need to pay someone in cash? Cash back is often quicker and easier than writing a check.
• Set a weekly cash budget – Pulling a set amount in cash during one of your regular purchases can help you stick to your budget and avoid overspending.

With a little planning, debit card cash back can become a practical part of your money routine.

Tips for Using Debit Card Cash Back Wisely

Cash back at the register is convenient, but a little planning goes a long way. Here are a few ways to get the most out of it—and avoid common pitfalls:

• Plan ahead – If you know you’ll need cash, get it while shopping instead of making a separate trip to the ATM.
• Know the limits – Each store has a maximum cash back amount. Ask the cashier so you’re not caught off guard.
• Use the right card – Some debit cards offer rewards for grocery or gas purchases. Pair them with cash back to get more value.
• Double-check for fees – Most stores don’t charge, but some discount retailers might. Always ask if you’re unsure.
• Don’t carry more than you need – Take only the amount of cash you actually plan to use, and keep it secure.

Final Thoughts

Using your debit card to get cash back is an easy way to avoid ATM fees and simplify your routine. You can grab cash while shopping for groceries, fueling up, or running errands—no extra stops needed.

Just make sure to check the store’s policy, know the limits, and take only what you need. With a little planning, debit card cash back can be a smart part of how you manage your money.

Frequently Asked Questions

What is the typical cash back limit for debit card purchases?

Most stores limit cash back to between $20 and $100 per transaction. Grocery stores tend to offer the highest limits, while gas stations and discount retailers often cap it at $10 or $20. Some stores may allow multiple transactions if you need more, but you’ll need to ask the cashier.

Do I need to buy something to get cash back?

Yes. In almost all cases, you must make a purchase—no matter how small—to request cash back with your debit card. Some stores require a minimum spend, but others will allow it with a purchase as small as a candy bar.

Can I get cash back at self-checkout?

Sometimes. Many large retailers like Walmart, Kroger, and Target offer cash back at self-checkout stations, but not all locations support it. If self-checkout doesn’t give you the option, try a regular checkout lane or ask a store associate.

Can I get cash back with a credit card?

In most cases, no. Cash back at stores is usually limited to debit card purchases. Some credit cards, like Discover, offer a “cash over” feature that works similarly—but it’s not widely accepted.

Does cash back still work with contactless payments?

In most cases, no. Cash back usually requires a physical card and PIN entry. Most contactless systems—like tap-to-pay or digital wallets—don’t support cash back at the register.