Stores that do cash back are there still?

In this post, we're going to find out!

Cashback is one way to save money on purchases and get “free money.”

Depending on the retailer's terms, some offer half the amount you purchased or even a total amount. But, it will reflect either instantly or for a few days.

Essentially, not many people know about cashback and how it works. Moreover, you can get cashback in-store or through an app.

Keep reading, as this post is all about stores that do cash back this 2021. So it's high time to remember these stores once you shop and start your list! And yes, you're welcome in advance; thank us later!

Related reads: Ibotta vs. Rakuten Which is better and Can Earn You More Cashback?

Are shops still doing cashback?

First of all, there are two main ways for consumers to avail themselves of cashback.

The first method is through in-store. It's as simple as going to a brick-and-mortar store. Use a card for your payment, and then instantly receive a portion of your total purchased price back.

More significantly, you used a debit card to swipe, and then on the point of sale machine, the merchant will process all the necessary details for verifying the cashback.

On the other hand, various apps exist if you want seamless cashback and are frequently an online shopper.

Likewise, apps like Dosh and Rakuten help you get cashback on most of your online purchases.

Not many people knew about cashback and shops that do so. Therefore, if you wonder if shops are still doing cashback this 2021, the short answer is yes, they do.

Most retailers do cashback as part of their marketing campaigns to attract customers and build loyal patronage.

Hence, check whether your favorite stores offer cashback and other promotional offers when you shop offline or online. That way, you are making shopping more fun plus you can save a little money that you can use for other means.

You know, it all adds up!

Keep reading:

• How Does Rakuten Work- Will it Actually Save You Money?
• Ibotta Review: How to Get Cashback on Groceries and Save Money
• Earny Review: How to Shop and Save Through the Cash Back App

How to get cashback?

As mentioned, there are various ways to avail cashback on most of your purchases. However, for this post, we will focus on getting cashback via in-store purchases. That means when you go out and shop in a physical store.

Cash Back With A Debit Card

As crazy as it sounds, but yeah, you do get cashback when you purchase using your debit card.

Again, depending on the specific store, either you get a fee-free cashback via debit card, or you have to meet their minimum purchase requirement amount and pay for cash withdrawal.

Nonetheless, the convenience you get comes with a price, and the fee is comparable to making a withdrawal from an out-of-network ATM.

To get debit card cash back is as simple as it gets. Here's how:

• When in line for checkout, insert or swipe your card through the PIN reader and enter your Personal Identification Number (PIN).
• Choose “Debit” as your purchasing process.
• Select “YES” when the card reader prompts you if you would like to receive cash back.
• Choose the amount listed on the screen or enter a custom amount.
• Once the transaction is approved, you will be charged for the total amount of the purchase, plus the withdrawal amount.
• Lastly, the cashier will hand you your cash back plus your receipt.

When Paying With A Credit Card

Typically, most credit cards do not allow cash back at the register, but few exceptions are. Besides, there's a pure credit card entirely for rewards bonuses or cashback purposes.

For instance, the Discover Cash Over feature lets you get up to $120 cash back with no additional cash withdrawal fees. Furthermore, Discover does not charge for cash over withdrawals, but some individual stores charge a small fee for cash-back transactions.

To get cashback from other credit cards, you usually make cash withdrawals at an ATM or request a cash advance feature and then pay the associated fees and interest.

While the cashback amount counts toward your total purchase and appears in your credit card balance, note that you cannot earn rewards for cashback transactions. Your regular purchase APR applies, but you won't pay interest if you pay off your balance and more than your minimum amount by the due date.

Related reading: Best Student Credit Cards to Build Credit

Cash Back With A Personal Check

Some stores allow you to get cashback using a personal check. To do this, you write the check for your purchase, plus the amount of cashback you want.

For example, if your purchase total is $5.37 and you want $20 cashback, you can make out a check for $25.37, and the cashier will give you the $20 cashback.

What store can you get the most cash back from?

These are stores that do cash back. Some have a minimum amount purchased or prompts you a withdrawal fee. You can check out each of these stores online.

Where can I get cashback in increments of 5?

If you are wondering where to get $5 or $10 cash back, you can get it from discount stores, pharmacies, groceries, or gas stations near you. Unlike ATMs that can have as much as $20 minimum withdrawal, some stores offer cashback with zero minimum amount on purchases.

Getting cashback in small increments is pretty straightforward. All you have to do is go to your grocery or convenience store nearby and make a small purchase such as a small water bottle or a pack of candies.

So, here's what to do:

• When at the register, swipe your debit card.
• Select debit as a way to process your purchase.
• When asked whether you want cashback, choose “YES” and choose or enter the amount of cash back you desire.
• The transaction will be processed, and you’ll be charged for the purchase plus the withdrawal amount. If your purchase is $20 and you need to get $5 cash back, a total of $25 will be charged on your card.
• Collect your cash as the cashier will give you $5 money back along with your purchase receipt.

Essentially, stores that allow you to get physical cash back let you withdraw the money directly from your checking account when paying for purchases with a debit card. As long as you met the minimum order requirement (and knows your PIN), most places won’t charge you a fee for cashback.

How much cashback can you get at Stop and Shop?

Stop and Shop is a retail supermarket that operates more than 400 stores throughout the states. The store offers in-store, online, pickup, home, or business delivery shopping experiences.

Aside from that, they offer coupons and rewards for most of their organic meal kits, health and beauty, and lots of product offerings.

You can get cashback in-store or through a personal check. Moreover, there is no limit to the number of checks you may write for cashback.

Are there stores that do not give cashback using a debit card?

More significantly, if you opt for small increments of cashback as $5 or $10, some stores do not give cashback apart from using a credit card.

For instance, here are some stores that do not give cash back when using a debit card.

• Good stores
• Clothing stores
• Home furnishing and furniture stores

What's the Difference Between In-store Cash Back vs. Cash Back Apps?

These two methods of cashback sound confusing, but, in reality, they don't.

In-store cashback is like withdrawing through ATM for your physical dollar bills for your cash purchases. Essentially, it's a withdrawal service that merchants and various retailers extend to their customers as a gesture of good faith.

Hence, this allows you to save trips on the bank. Instead of going over there and physically withdrawing your cash, think of it this way. With the hassle of going through a physical ATM, there's also a tendency that you withdraw more money than you intended to spend.

This may trigger impulse buying, therefore costing you more, plus it's time-consuming.

On the other hand, cash back apps are reward systems from different stores or credit card companies that allow cardholders to earn cash back based on the amount spend. This is a fast and easy way as your cards are automatically linked to the app.

For example, if your card offers 2% cashback on every purchase, that means for every $200 spend using your card, you can get $4 back. Besides, you can combine it with coupon rewards!

You can redeem this cash back through direct bank transfer, Paypal, check mailed directly to your house, or exchange it for e-gift cards.

Pros and Cons

Final thoughts

We are now living in the revolutionized cashless age. With this digital transformation taking place, more opportunities to save and earn more arose.

More importantly, if you are a frequent online shopper or even through in-store shopping, the idea of getting cash back, either for a partial or a full amount of what you buy, is nice.

Most significantly, if you use your debit card. It saves trips on the bank, plus this small cashback all adds up! It's valuable when you are a frugal person. On the retailer side, it gives them additional revenue plus helps them build a loyal customer base.

Ultimately, getting cashback is a win-win for customers and merchants. 

What do you think of these stores that do cash back? Do you know other stores that do cash back?

Comment down below your answer, and let's share what we know! For more cashback apps and tips, check out other articles we post on the blog; we'd be happy to share what we know with you!