A Beginner's Guide on Where to Earn Cash Back
Remember when most shoppers stepped up to the store register to make their purchases and pulled out a checkbook? Many younger people have no memory of such a thing. Cash is becoming less popular, as well. Yet many of us prefer to hold cash for various uses, and we don't want to visit a bank or pay an ATM fee to obtain it, do we?
Luckily, there are many places of business that allow you to use your debit card to get cash while making a purchase. Researching where and how to go about this is a tedious and time-consuming task – let us make your cash-back errands fast and easy.
What Is This ‘Cash Back’ Concept?
Not so long ago, the need for cash could only be satisfied by entering a bank and making a withdrawal at a bank teller window. Around 1970, the magical Automated Teller Machine (ATM) was invented and thrilled bank customers with a convenient way to grab cash. Yet as folks become busier these days, even an ATM visit can be inconvenient.
Many retail businesses now offer a very handy way to get the cash you need. As you purchase your items at the register, these stores accept various forms of payment such as credit cards, debit cards, cash, or check. If you are able to use a debit card, you can get cash handed to you.
How Does It Work?
When you shop with a debit card, the cost of your purchase is charged to your card. If you spend $150, it will be deducted from the balance on your card.
Stores offering cashback allow you to ask for a specified amount of cash. If you spend $150, you might be able to ask for $40 back. Your card will be charged $190 ($150 + $40 cash) and the cash is given directly to you.
You are effectively "buying the cash" with your card.
What Types of Businesses Offer This Benefit?
Thankfully, many retail stores can provide you with the cash you need.
Department and Drug Stores
You can get cashback on these department stores and drug stores:
Gas Stations and Convenience Stores
You can also get cashbacks from these gas stations and convenience stores:
Finally, here are grocery stores that offer cashback:
|Albertsons||Aldi||Food Lion||Giant Eagle||Hannaford|
|ShopRite||Sprouts||Trader Joe's||Whole Foods||Winn-Dixie|
Will These Places Limit How Much Cash They Give Me?
It is not feasible (or safe) for stores to hold large amounts of cash as banks do. Each store has its own cash-back limit, so it is important to call ahead and verify the maximum you may withdraw. Safeway, for example, can hand you up to $200 – yet Rite Aid holds the limit at $40.
Should you need more cash, keep in mind:
- You may visit multiple stores.
- You can combine cash from a store with cash from an ATM.
- Most stores limit how much cash you are allowed to receive in a single transaction – you may be able to make additional trips to the register for additional transactions.
What if I Only Need a Small Amount of Cash?
Just as there are limits on how much you may receive, there are often minimum amounts you must accept as well. Some stores will give you as little as $5 if you like, while others will not hand you less than $20.
Walmart gives only these amounts of cashback: $20, $40, $60, and $100.
Do I Need to Spend a Certain Amount to Get Cash Back?
Stores will not allow you to simply hand over your debit card and get cash without making a purchase. They are not banks, after all, and these businesses have to follow the rules of bank card issuers. Most stores would love for you to come in and purchase at least a small item in order to get your cash.
Contact the store you plan to visit to learn of any minimum spending they may require.
Will the Store Charge a Fee for This Service?
The majority of retailers allow you to obtain cash back at no extra charge. There are exceptions, however. Kroeger is one of the few that now charge a fee.
While this grocery chain does have a maximum cash-back amount ($300) that is higher than most other stores, it also charges a fee for any cashback. The fee ranges from $0.50 to $3.50 for each transaction.
What Is the Procedure to Get Cash Back at Most Stores?
Generally, you must complete the following steps to get that cash:
- Complete your shopping by choosing all items you wish to purchase.
- Head to the checkout area to pay for your items.
- Make your payment with a debit card – cashback is not usually available when using a credit card, check, or other payment types.
- Tell the cashier how much cash you would like. (or enter the amount when asked by the card reader device)
- Follow instructions from the cashier or card reader.
- Once your debit card payment has been approved, the cashier will hand you the cash or it will be dispensed by the machine.
Is There a Simpler Way to Get Cash Back?
Use DoNotPay to simplify the experience. It only takes three steps:
- Search for Cash Back on the DoNotPay website.
- Kick off the process to find the right app or website for you.
- Answer some specific questions so that we can help you start making money!
And that's it! DoNotPay will send you the best cashback options we can find and help you to start earning more cashback on your purchases.
Check out these related articles regarding problems for which we can assist you:
- Discover it cashback
- How do credit cards provide cashback?
- Cash-back card from Citi
- Find the best cash-back credit cards for you
- Cashback from AppleCard
- How to get money back with PayPal
- Can I get cashback with Apple Pay?
- Cash-back apps
DoNotPay hands you a convenient means to get help with a big list of daily problems. We offer many additional products to help simplify your life, including (but not limited to):
- Learn about gift card cashback
- Free trials
- Raffle tickets for free
- Missing money
- Learn about credit cards
- Customer service
- Get help with bills
- All about parking tickets
Our products can help you with fast, automated ways to deal with the difficulties of getting cash back, and they can certainly help with other tedious and annoying tasks we encounter in life. Let us help.