Saving on your purchases wasn’t a concept a while ago! But with the number of stores allowing, you to earn cash back, it is possible to stay trendy and make affordable purchases. Previously we had talked about stores that let you buy now pay later with no credit check and here is a complete guide on what store give the most cash back along with their limits and fees.
What Store Give the Most Cash Back
| Stores That Give Most Cash Back | Accepted Payment Methods | Cash Back Limit |
| Kroger | Debit Cards and Discover Credit | $300 |
| Shoppers Food Warehouse | Debit Cards | $300 At Register, $100 At Self-Checkout |
| Save Mart Supermarkets | Debit Cards | $200 To $300 |
| Ralphs | Debit Card and Discover Credit | $200 |
| Safeway | Debit Card and Discover Credit | $200 |
| Albertsons | Debit Card and Discover Credit | $100 To $300 |
| Food Lion | Debit Card and Personal Check | $200 For Debit Card And $50 For Personal Checks |
| Vons | Debit Card, Personal Checks, And Discover Credit | $200 For Debit Card And $25 For Personal Check |
| Shoprite | Debit Card and Discover Credit | $200 |
| Walmart | Debit Card, Discover Credit and Personal Check | $100 For Debit, $60 For Discover Credit, And $20 For Personal Check |
| Hannaford | Debit Card, Discover Credit and Personal Check | $100 |
| Aldi | Debit Card | $100 |
| Jewel-Osco | Debit Card and Discover Credit | $100 |
| Winn-Dixie | Debit Card and Discover Credit | None |
| Whole Foods Market | Debit Card | $100 |
| SuperValu | Debit Cards and Discover Credit | $200 For Debit Cards And $120 For Discover Credit Cards |
| JayC | Debit Cards and Discover Credit | $100 |
| Farm Fresh | Debit Cards and Discover Credit | $200 For Debit Card And $120 For Discover Credit |
| Fred Meyer | Debit Cards | $300 |
| Harris Teeter | Debit Cards and Personal Checks | $200 For Debit Card And $25 For Personal Checks |
| Mariano’s | Debit Cards and Discover Credit Card | $100 |
| Publix | Debit Cards | $100 |
1. Kroger
Kroger store lets you earn cash back on the payments that are made through debit cards and Discover credit. In addition, if you are using personal checks as your payment method, get ready to earn some extra balance on the purchases you make.
Kroger has around 2800 grocery stores offering a wide range of items to customers. It has quite an extensive range of products available to shop from. Whenever you redeem the eligible cash back offer for a product, you accumulate the Cash Back Rewards in the Kroger Offer.
The cash back limit at Kroger is $300 at the register and self-checkout. Whereas, the fee ranges from $0.50 to $3.50 depending on the amount.
2. Shoppers Food Warehouse
Shoppers Food Warehouse only accepts debit cards as the payment method of earning cash back on purchases. You can get thousands of household items and grocery stuff through the best available deals and cash back offers.
Shoppers Food warehouse has around 20 supermarkets with additional services that include coin to the cash machine, RugDoctor cleaning rentals, money orders, money wires, and much more. Just purchase the qualifying item from the stores and online and earn amazing cash back.
The cash back limit at Shoppers Food Warehouse is $300 at the register and $100 at self-checkout. It doesn’t charge any fee for the cash back.
3. Save Mart Supermarkets
Save Mart Supermarkets is another store that gives the cash back on purchases that are made using the debit card only. You can earn every time you shop and receive a point for every dollar that is spent on the qualifying purchases.
In California, Save Mart Supermarkets has around more than 250 grocery stores where you can get the highest cash backs using a debit card. It offers bigger savings and massive rewards which makes shopping easier the next time you shop.
The cash back limit at Save Mart Supermarkets is $200 to $300. In addition, it does not charge any fee for the cash back.
4. Ralphs
It is the largest subsidiary of Kroger that accepts debit cards and Discover credit as the payment option to earn cash back. Ralphs allows you to get the cash back and shopping points in direct proportion to the first dollar spent.
It has more than 460 grocery stores where you can get services such as sending money, money orders, paying bills, checking to cash, and prepaid cards. Your balance will start to accrue as soon as you purchase the qualifying item for Cash Back offer.
The cash back limit at Ralphs lies around $200 and does not charge any fees on the cash back offers.
5. Safeway
Safeway offers a debit card and Discover credit as the accepted payment methods for cash back. Please note you won’t be facilitated with personal checks to earn cash back at Safeway. The additional services at Safeway include ATM services, Rug Doctor Rental, and money orders.
It has more than 265 grocery stores where you can earn cash back with a Visa debit card. You can get various deals, rewards, and coupons with up to $300 weekly discounts. Get cash back here on eligible purchases by paying through a debit card.
The cash back limit at Safeway is $200. You won’t have to pay any fees to earn the cash back here at Safeway.
6. Albertsons
Albertsons is an American grocery company and the second-largest supermarket chain in North America that accepts Visa debit cards and Discover credit for cash back. You can look into the eligible deals and earn a point for every dollar you spend.
The grocery stores of Albertsons have around 2200 locations in around 35 different states where people can get cash backs. The additional services to avail of include fax services, stamps, Western Union money orders, Coinstar, and more.
The cash back limit at Albertsons is $100 to $300 on debit cards and up to $210 on Discover credit cards. There is no fee to earn the cash back here.
7. Food Lion
Food Lion accepts both personal checks and debit cards to earn the cash back on eligible purchases. Get their weekly specials, coupons, and all the groceries online with delivery right at your doorstep.
It has more than 1000 supermarkets with a variety of services such as selling money orders, lotto, and free coin machines to earn gift cards in exchange. The grocery products provided by Food Lion fulfill all the daily needs of the customers in a much more affordable way.
The cash back limit at Food Lion is $200 for debit cards, $200 with EBT cards, and $50 for the personal checks with no additional fee.
8. Vons
Vons accepts debit cards, Discover credit, and personal checks as the payment methods through which you can earn the cash back. You can browse all the available locations of Vons to purchase pharmacy items and weekly deals on fresh produce, bakery, seafood, and more.
It is owned by Albertsons and is headquartered in Fullerton, California with around more than 165 stores. The additional services of the Vons include ATM services, Western Union Money Orders, Sells Money Gram, and more.
The cash back limit at Vons is $200 for the debit cards and $25 for personal checks with no fees charged in addition to these.
9. ShopRite
Earn the cash back on the purchases made with debit cards and Discover credit cards at ShopRite. You can shop groceries both in-store and also order online for the curbside pick-up to enjoy the contactless delivery via ShopRite.
It has around more than 320 stores and it is documented that on average, the regular member of ShopRite earns up to $450 cash back a year. Get its amazing deals and promotions to earn cash back on the eligible purchases.
The cash back limit as ShopRite is $200 for debit cards and $120 on Discover credit cards. It doesn’t charge any additional fee to earn the cash back.
10. Walmart
Walmart is a treat for all as it allows debit cards, personal checks, and Discover credit to let you earn the cash back. In addition, you can earn 5% back at Walmart.com with the Capital One Walmart Rewards Card.
Walmart has around more than 4700 retail stores across the country where you can earn 2% cash back in Walmart stores and fuel stations, at restaurants, and on travel. Moreover, it offers 1% cash back anywhere Mastercard is accepted.
The cash back limit at Walmart is $100 for debit cards at the register, $20 for personal checks, and $60 for Discover credit.
11. Hannaford
Another store that makes shopping convenient debit cards, personal checks, and Discover credit is the Hannaford. Please note that it does not offer any cash back for coupons of any sort, rather you can get Hannaford Rewards whenever you shop here.
It has both supermarkets and gas stations that have more than 180 locations allowing you to stretch your savings in a well-maintained manner. Through the Hannaford, you get your first delivery free over $30 purchase and 2% rewards on their store brand purchase.
The cash back limit at Hannaford is no more than $100. However, it does not charge any fees for the cash back.
12. ALDI
ALDI accepts Visa, Mastercard, and Discover debit cards to let you earn cash back on the purchases you make. These are offered at the checkout if you use any of these qualifying cards. In addition to this, it also offers 2% cash back on the annual purchases provided that you have their Executive membership.
The grocery chain operated around 1500 locations in 32 states overall. It also facilitates you with the ATM services and is known to be a family-owned discount supermarket chain. Get great deals at low prices here and earn cash back as you would want.
The cash back limit at ALDI is $100 which varies from one store to the other. It charges no fee on the cash back, however.
13. Jewel-Osco
Jewel Osco is the place where you can earn cash back on purchases made through debit cards and Discover credit cards. It is one of the best available grocery stores allowing online grocery delivery right at your doorstep.
It has more than 180 grocery stores where you can earn 1% + 0.5 on your purchase. Just redeem your Rewards for the discounts on groceries and earn a $10 Welcome Bonus on joining up with Jewel Osco. Please note that it doesn’t cash third-party checks.
The cash back limit at Jewel Osco is up to $100 and it does not charge any fee on the cash back on eligible purchases.
14. Winn Dixie
Winn-Dixie supermarket lets you earn the cash back if you make a purchase using the debit card or Discover credit card. Explore their latest available deals and save as much as you can on their digital coupons. Get the cash back at its grocery stores through one of the accepted payment methods.
It has over 500 grocery stores and additional services that it offers to include Lottery, selling American Express gift cards, retail gift cards, Western Union money transfers, and others. It does not have any ATM that could dispense $10, instead, you can earn $10 cash back through your debit card.
The cash back limit at the Winn Dixie is around $100 with no additional fees charged to earn the cash back.
15. Whole Foods
Put your debit card into use and earn the cash back on eligible items here at Whole Foods. It offers all the local, organic, and plant-based products for the customers and provides delivery services right at your doorstep.
It is indeed more than a grocery store providing the rich quality and finest natural and organic foods available. Whole Foods has around 500 grocery stores across the country and offers various other services. Some of these include Amazon returns, meal prep, gift cards, flower arrangements, and more.
The cash back limit at Whole Foods is $100 and it charges no fee as per its cash back policy.
16. SuperValu
SuperValu is yet another store that gives the most cash back on the accepted payment methods including debit cards and Discover credit cards. Its additional services include ATM transactions and MoneyGram money transfer service.
It has over 2300 grocery stores and is one of Ireland’s largest grocery and food distributors. Whether it is bakery items, frozen foods, drinks, chilled food, or whatnot, you can get it all at the SuperValu. Earn 1 Real Reward point for every €1 that you spend here.
The cash back limit at the SuperValu is $200 for the debit cards and $120 for Discover credit cards. The fee, unfortunately, hasn’t been specified so it would be best to ask from your respective store location.
17. JayC
Shop low-price groceries and earn cash back here by using your debit cards and Discover credit card on the purchases. It ticks all the boxes of rewards, savings, and convenience for its customers to earn extra cash on every penny spent here.
It has more than 60 stores in Indiana and you can request to earn around 5% cash back along with the shipping rebate for your JayC purchase. The additional services it offers include gift cards, pharmacy, money services, fuel, stamps, and more.
The cash back limits at the JayC are no more than $100 on the accepted payment methods. Moreover, it does not charge any fees on the cash back offers.
18. Farm Fresh
Get the cash back using debit cards and Discover credit cards at Farm Fresh. You can earn the percentage of your purchase back as cash back which is directly deposited into your Checkout Saver account.
Farm Fresh has various grocery stores in Virginia and North Carolina. They deliver organic vegetables and fruits from their fields right at your doorstep. To earn the cash back at Farm Fresh, you have to complete a few formalities that can vary from one store to the other.
The cash back limit at Farm Fresh is $200 for the debit card and $120 for the Discover credit card. The fee for the cash back however is not clarified.
19. Fred Meyer
Fred Meyer is another store that offers the most cash back on your purchases made through debit cards only. It is an American chain of hypermarket superstores where you can earn digital coupons and various fuel points on your purchases.
Fred Meyer has around 130 supermarkets and is best known for its quality products and services. The additional services that you can get at Fred Meyer include money orders, and flowers, in addition to its fuel stations and dry ice selling department.
The cash back limits at Fred Meyer is around $300 and the fee that it charges for the cash back ranges between $0.50 and $3.50.
20. Harris Teeter
At Harris Teeter, you can earn the cash back using debit cards and personal checks as payment methods. Harris Teeter is a wholly-owned subsidiary of Kroger and owns various grocery, frozen food, and perishable distribution sections in the region.
It has around more than 250 grocery stores and around 60 fuel stations in the seven states along with the District of Columbia. Additionally, you can also sell gift cards, get movie rentals, lottery tickets, grocery carry-outs, and much more at the Harris Teeter.
The cash back limit at Harris Teeter is $200 for debit cards and $25 for personal checks. In addition, it charges a fee somewhere in between $0.50 and $3.50 for the cash backs.
21. Mariano’s
Mariano’s has for its customers the service of earning cash back on the eligible items that are purchased through the debit card and Discover credit card. Get its Fresh Market experience filled with various amenities providing sufficient savings and rewards.
It provides culinary adventures to the customers and you can shop groceries for at low prices here whenever you want. Mariano’s has more than 450 grocery stores in the Chicago area where you can also send money via Western Union.
The cash back limit at Mariano’s is only $100 without any additional fee charged on the cash back.
22. Publix
Publix allows the customers to get cash back on purchases that are made using debit cards. It is one of the largest and most rapidly growing employee-owned supermarket chains in the United States. It has amazing deals to help you save a large sum of money.
Publix has around 1200 grocery stores in the southeast where you can get an extensive range of products at reasonable prices. Just head over to register to get the cash back at Publix. Additional services of Publix include retail gift cards, stamp selling, Western Union money transfer, and more.
The cash back limit at Publix is $100 and there is no fee that you will have to pay for the cash back.
Before You Go!
Getting cash back from all the above-mentioned stores is very convenient if you are using a debit card, credit card, or a personal check. Just check in what payment method is accepted by your respective stores and earn cash back on your daily purchases. Typically, you will have to make use of debit cards although there are other stores that accept payment via Afterpay, Klarna, and Apple Pay.
Cash back on credit cards comes with slightly strict criteria and may hurt your credit score or unpleasant cash advance fees. On the contrary, getting the cash back using a debit card is simple and you just need to surpass the minimum purchase item for eligibility.
Miriam Caldwell is a dedicated & expert freelance writer to educate people about personal finance management and budgeting. She shared her knowledge and published the articles at TheBalance.com, GOBankingRates, and BlissfullyDomestic.com. Many financial institutes pick Caldwell as the brilliant source for educational personal finance content.
