The Best Stores to Earn Cash Back on your Debit Card Purchases

The Best Stores to Earn Cash Back on your Debit Card Purchases

Did you ever look at your daily to-do list and wonder how you would accomplish everything?

It would be great if you could combine several errands in one trip. You may be able do both your shopping and banking transactions at one location thanks to physical cashback stores that offer debit card purchases.

There are many options to withdraw cash directly from your checking account, including in-store ATMs, gas stations, and grocery stores.

How can you get cash back with a debit card?

You often have the option of getting cash back when you use a debit card to pay at physical retailers. You can withdraw cash from your checking account at any time during the transaction and not pay a fee.

Cash back is available if you ask for it. The additional money will be added to the final sale price. The combined amount is then taken from your checking account by your bank.

Cash withdrawals with your debit card could be costly. You may have to spend a minimum amount in order to get cash back using your debit card. You may have to purchase something that you don’t need or want in some cases.

To help pay the store’s expenses, you might have to pay a fee to withdraw cash with your debit card. This fee is similar to the one you would pay at an ATM outside of your network.

Four places to get cash back with a debit card

Cashback is available at many everyday retailers and stores when you use a debit card. This list will help you to remember the locations that offer cash back if you don’t want to pay extra ATM fees or borrow cash from your friends.

Cash back from the grocery store

Pay with your debit card to get cash back at the grocery shop instead of cash or credit. You can withdraw money from your checking account at grocery stores, from Albertsons to Winn-Dixie, by simply swiping your card and entering your PIN when you check out.

It’s one of best ways to save money and get cash, as most banks don’t charge any fees to withdraw money from your checking accounts.

There is usually a limit to how much cash you can withdraw from stores. A trip to the bank might be a better choice if you have $500 cash on hand for your next weekend’s road trip.

You can visit: for a lower amount of cash

  • Albertsons
  • Aldi
  • Food Lion
  • Giant Eagle
  • Hannaford
  • Kroger
  • Meijer
  • Publix
  • Save Mart
  • Safeway
  • ShopRite
  • Trader Joe’s
  • Whole Foods
  • Winn-Dixie

Cash-back gas stations

There’s a gas station near every corner so you can get cash quickly if your need is urgent.

Gas stations tend to have lower maximum withdrawal amounts. Some stations have caps as low as $10. Most locations don’t charge any fees for cash back.

Looking for a station that gives cash back?

  • 7-Eleven
  • Ampm
  • BP
  • Chevron
  • Circle K
  • Citgo
  • Conoco
  • ExxonMobil
  • Marathon
  • Phillips 66
  • Shell
  • Sunoco
  • Texaco
  • Valero

Keep in mind that not all gas stations are franchised. These policies may vary from one store to the next. It is a good idea not to wait to inquire about fees and limits.

To get cash in department stores, use your debit card

Some department stores allow you to get cash back without any fees with your debit card, in addition to gas stations and grocery stores.

Costco, Target and Walmart are just some of the many department stores that offer these products. You should always consider the minimum purchase requirements. Sometimes, a small and inexpensive item can be purchased with your debit card.

If you have a need for cash, you will find it usually at:

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

These requests may not be processed by all merchants. It is possible to go to the customer service desk instead.

You can withdraw cash from an ATM

Visit your bank’s ATM to withdraw money using your debit card. This allows you to avoid out-of-network ATM fee charges. These fees can be as high as $2 per withdrawal so it’s worth using the ATM at your bank even if it’s not the nearest.

If your bank offers fee reimbursement, you might be eligible. If you are unable to use an ATM at your bank and are charged a fee for it, you will automatically be reimbursed.

Surcharge-free ATMs are available throughout the country. Credit unions and banks often participate in card networks so that you can access them.

The major ATM networks are:

  • Star
  • MoneyPass
  • Allpoint
  • Pulse Select
  • Alliance One
  • TransFund
  • CO-OP (for credit cooperatives)

Credit unions are likely to be part of the CO-OP network, which allows you access almost 30,000 ATMs for free. To find cash-free locations, you can use the ATM locator app of your bank.

Cash Withdrawal vs. Cash Back

Cash back can be used to refer to cash you get from stores while you shop in-person and cash you earn by using specific apps that are linked to your debit card.

When a cashier asks you if you would like cash back, it means that you are interested in physical dollars bills.

There are also apps that offer cashback. This refers to the percentage of your total purchase when the debit card has been linked to the app.

3 Places You Can’t Get Cash Back

It is easy to use your debit card for cashback requests. However, there are some places where cash back is not possible.

  • The majority of clothing shops
  • Home goods stores
  • Furniture stores for the home

These stores don’t offer cash withdrawal options. You may need to travel to these places to withdraw cash if you are shopping for new clothes, a lamp or a sofa.

There are pros and cons to getting cash back with a debit card

A debit card is a popular method of shopping. Cashback is an added perk. These are some things to consider before you make this a habit.


  • Simple
  • Instant
  • There are no or very small fees
  • You can save money on trips to the bank and other ATMs


  • To get cash back, you must make a purchase
  • Minimum purchase amount may apply
  • Some merchants may charge fees
  • There are limits on withdrawals

Cash back Apps that you can use with your Debit Card

You can earn a percentage of the purchase when these apps are linked to your debit card.


is a free app that is available in the App Store and Google Play Store. It offers an in-store cashback program. Cashback can be earned when you shop in-store at retailers such as:

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  • Walmart
  • Cost Plus World Market
  • Sephora
  • Final Line

Earn cash back at nearby restaurants and hotels all over the globe. Once you have earned cash through Dosh you can transfer it into your bank, Venmo or PayPal accounts. To withdraw, you must have at least $25 cash back


Rakuten is a browser extension that most people use. However, you can sync it with your debit card to receive cash back.

Here’s how it works. You need to create an online account, then click on the “instore cash back” section. You’ll find a variety of cash-back offers in-store, including:

  • H&M
  • Athleta
  • Levi’s
  • Gap
  • Final Line
  • Under Armour

Rakuten’s browser extension alerts you to any savings or deals when you shop online.

About the author

Hi, I'm Lisa. I went from losing everything in my divorce, to beating all odds and becoming a financially free, independent Woman. My blog is about gaining financial freedom. Thanks for supporting my journey!

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