Does Kroger Do Cash Back? (Limits, Fees, Cards + More)

Kroger is the second-largest retail company in the U.S. and is equally known for offering their customers convenient shopping experiences across all their locations.

However, when shopping at Kroger, you might be wondering whether or not they do cashback. Here is what I discovered!

Does Kroger Do Cash Back?

Kroger offers cash back at the register, self-checkout, and customer service desk. Customers can get cashback of up to $300 for debit card purchases, $120 on Discover credit cards, and $20 for check payments. Depending on the cashback amount, Kroger will charge $0.50 – $3.50 per transaction.

See the subsequent sections for more details on Kroger’s cash back policy, how the fees apply, the accepted payment methods for cash back, which locations offer cash back, and applicable limits.

What is Kroger’s Cash Back Policy?

Kroger has a general corporate policy that allows it to offer cash back on purchases made at any of its locations across the country. Cashback can be gotten at self-checkout, the customer service desk, and the register.

Generally, the policy allows you to get cash back to a maximum of $300 on all purchases made with a debit card check, Discover credit card, and your EBT card.

Note that there might be slight differences regarding additional payment methods that qualify for cash back. So it’s best to confirm from your local Kroger store if you’re looking to get cash back using a payment method that wasn`t listed above.

Read on to learn more specific details on each payment method.

1. Cash Back When Using a Debit Card

When using your debit card at any Kroger store, you can get up to $300 in cash back on all purchases.

This is the highest cash-back limit that Kroger offers, and it also applies to your Kroger REWARDS Prepaid Visa debit card. Most stores will charge a $0.50 fee for cashback up to $100.

But for cash back between $100 to $300, you will be charged a $3.50 fee. Do note that for transactions over $100, the applicable fee may vary slightly from one store to another.

Note also that if you run your debit card as a credit card at checkout, you will lose the cashback and you must run a PIN-based transaction to qualify.

2. When Using a Discover Credit Card

Kroger does not offer cash back on credit card purchases, but since Kroger stores participate in the Discover Cash Over program, they allow all Discover credit cardholders to get cashback up to $120 every 24 hours.

Unlike payments made with debit cards, there are no charges or fees for cash back earned with a Discover credit card. However, you’ll still have to pay the regular interest rates for the cash-back transaction.

You may be able to get cashback for Discover card transactions that are not authenticated with a PIN, but this often depends on the decision of the store management.

3. When Using a Check

You can also get cash back from Kroger stores when you pay with a personal check, but the cashback limit is very low. At most, you will get $20 in cash back on purchases made with a personal check.

The low cash back, in this case, may be tied to the processing time for personal checks. Typically, it takes between 2-3 business days for checks to clear at the bank. Kroger does not charge any fees here.

4. When Using an EBT Card

EBT cardholders are eligible for cash-back benefits at Kroger stores. Kroger’s cashback policy allows stores to offer cash back on EBT card transactions from $50 to $100.

However, you must have a sufficient cash balance through a cash assistance program like TANF (Temporary Assistance for Needy Families).

Check here for more details on Kroger cash back rewards and fees.

What Items Are Eligible for Cash Back on at Kroger Stores?

What Items Are Eligible for Cash Back on at Kroger Stores?

Not all items or purchases are eligible for the Kroger Cash Back Reward Program. So it`s important to check the items you`re paying for if you`re looking to benefit from the cashback program.

According to Kroger, close-out sale items, such as a “Manager’s Special,” are not eligible for cash-back offers.

The same applies if the value of the cashback is more than the price of the item or more than the limit allowed ($300). Also, cash-back rewards for amounts “off order” do not apply to the following purchases:

  • Fuel
  • Gift cards
  • Alcohol
  • Pharmaceutical products
  • Tobacco products
  • Lottery
  • Money services and fees

So, How Do I Get Cash Back from Kroger?

You only need to load the cashback offer to your Shopper’s Card so you can redeem it on eligible purchases. Your cash-back balance will begin to accrue once you purchase the qualifying item.

How Long Does it Take for my Cash Back Offers to Be Active on My Card?

Cash-back offers become active and available as soon as you load them onto your card. Note that your cash-back rewards will be available for cash out within one week of meeting the cashback offer’s purchase requirements.

Is Kroger Cash Back Free?

No, it’s not free. Kroger now charges a fee when you opt for cash back at checkout. The fee is applicable for purchases above $100.

To learn more, you can see our related posts on getting cash back at Dollar General, Walmart, Walgreens, CVS, Target, and Aldi.


Kroger has a cash-back policy that allows it to offer customers up to $300 in cash back for debit cards, Discover credit cards, checks, and EBT card purchases. Cashback is available at all locations, but keep in mind that you will be charged a fee ranging from $0.50 to $3.50 when your purchase qualifies for cash back.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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