Does Kroger Do Cash Back?
Yes. Kroger gives up to $300 cash back per transaction when you pay for a purchase with a debit card and PIN, for a fee of $0.50–$3.50.
Kroger and its banners charge a tiered fee: about $0.50–$0.75 up to $100, rising to $3.50 for amounts up to $300.
Limit and fee: Consumer Financial Protection Bureau, Issue Spotlight: Cash-back Fees (August 2024). Other details: Kroger store policy.
Kroger stores near you
Check which Kroger is closest, and whether a store with free cash back is nearer.
Kroger cash back limit
The most you can get at Kroger is $300 per transaction. You can ask for any amount up to $300. The limit applies to each purchase, and your bank's daily debit limit still applies on top of it.
Limits and fees at Kroger's sister stores:
| Store | Limit | Fee |
|---|---|---|
| Harris Teeter | $200 | $0.75–$3.00 |
| Ralph's | $300 | $0.50–$3.50 |
| Fred Meyer | $300 | $0.50–$3.50 |
| QFC | $300 | $0.50–$3.50 |
| King Soopers | $300 | $0.50–$3.50 |
| Pick 'n Save | $300 | $0.50–$3.50 |
Does Kroger charge for cash back?
Yes. Kroger charges a fee that depends on the amount: $0.50 for amounts up to $100, $3.50 for amounts up to $300. It is a fixed charge, not a percentage of the cash:
| Cash back | Fee | Fee as % of the cash |
|---|---|---|
| $20 | $0.50 | 2.5% |
| $50 | $0.50 | 1% |
| $100 | $0.50 | 0.5% |
| $200 | $3.50 | 1.75% |
| $300 | $3.50 | 1.17% |
To avoid the fee, use a store that gives cash back free: Walmart (up to $100), Target (up to $40), CVS (up to $60), Walgreens (up to $20) and ALDI (up to $100).
Does Kroger do cash back at self-checkout?
Yes. Kroger offers cash back at self-checkout as well as at staffed registers.
How to get cash back at Kroger
- Buy at least one item. Cash back is added to a purchase and cannot be requested by itself.
- Pay with a debit card, insert the chip and enter your PIN. Credit cards are not offered cash back.
- When the terminal asks "Cash back?", choose an amount up to $300 and accept the $0.50–$3.50 fee.
- Take the cash from the cashier or the self-checkout dispenser. It appears on your receipt and bank statement as part of the purchase.
If you tap your phone or card and the terminal skips the cash back question, the payment ran without a PIN. Ask the cashier to void it and insert the card instead.
Need more than $300?
Kroger already has one of the highest limits of any US chain. For more, make a second purchase and ask for cash back again, paying the fee each time, or use your own bank's ATM.
The cash back near me map shows every store around you with its limit, and the ATM finder covers the cases a register cannot.
Kroger vs other stores
| Store | Cash back limit | Fee | Self-checkout |
|---|---|---|---|
| Walmart | $100 | Free | Yes |
| Target | $40 | Free | Yes |
| CVS | $60 | Free | Yes |
| Walgreens | $20 | Free | Varies |
| ALDI | $100 | Free | Varies |
| Kroger | $300 | $0.50–$3.50 | Yes |
| Albertsons | $200 | Free | Varies |
| Safeway | $200 | Free | Varies |
| Dollar General | $40 | $1.00–$2.50 | Varies |
| Dollar Tree | $50 | $1.00 | Varies |
| Family Dollar | $50 | $1.50 | Varies |
| Costco | $60 | Free | Varies |
| Sam's Club | $100 | Free | Varies |
| Publix | $100 | Free | Varies |
| Whole Foods | $100 | Free | Varies |
| Trader Joe's | $50 | Free | No |
| Meijer | $50 | Free | Varies |
| H-E-B | $100 | Free | Varies |
The full list of stores that give cash back covers more chains, including the ones that do not offer it at all.
Kroger cash back: common questions
Does Kroger do cash back?
Yes. Kroger gives cash back at checkout when you pay for a purchase with a debit card and enter your PIN. The limit is $300 per transaction, and Kroger charges a $0.50–$3.50 fee for it.
How much cash back can you get at Kroger?
Up to $300 per transaction. You can ask for any amount up to $300.
Does Kroger charge for cash back?
Yes. Kroger charges a fee that depends on the amount: $0.50 for amounts up to $100, $3.50 for amounts up to $300. On the full $300 that is 1.17% of the cash you take out.
Does Kroger do cash back at self-checkout?
Yes. Kroger offers cash back at self-checkout as well as at staffed registers.
Does Kroger do cash back with tap to pay or Apple Pay?
Not reliably. Cash back runs as a PIN debit transaction, and a tap from a phone or contactless card often goes through without asking for a PIN, so the terminal never shows the cash back option. If you tap at Kroger and are not offered cash back, insert the chip of your debit card and enter your PIN instead.
Can you get cash back at Kroger with a credit card?
No. Cash back at the register needs a debit card (or a prepaid card) and a PIN. A credit card purchase at Kroger will not offer it.
Do you have to buy something to get cash back at Kroger?
Yes. Cash back is added on top of a purchase, so you need to buy at least one item. There is no need to spend much: the cheapest item in the store is enough.