Can you get cash back with a credit card?

Written by
Joe Taylor Jr.
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.
Where are you on your credit card journey?
Get Started

At we discuss the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help educate everyday cardholders so they can feel more confident about their card choices. All our content is written and reviewed by industry experts. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships and compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more.

Yes, you can get cash back with a credit card in the form of cash-back rewards or through a cash advance. Most credit cards, however, do not allow you to get cash back at the register when you make a purchase (with one notable exception: see below).


Key takeaways

  • You generally can’t get cash back at store registers with a credit card, like you can with a debit card
  • Cash-back credit cards allow you to earn cash back on purchases, which you can redeem later
  • There are important differences between “cash back” and “cash advances”
  • A cash advance allows you to get cash back using your credit card at an ATM or with a teller, but be aware that there are fees involved
  • Discover cards are an exception and do allow cash back at the checkouts of some retailers

Whether you can get cash back when you buy something with a credit card actually depends on what you mean by “cash back.”

No, you generally can’t get cash back with a credit card at the register when you buy something, but, as mentioned earlier, you can earn cash-back rewards with a credit card or take a cash advance. While credit cards are great for a lot of things, using them as a way to put cash in your wallet right away when making a purchase at a cash register isn’t one of them. Debit cards have become so familiar, we’re accustomed to punching in our PINs and asking for cash back at the grocery store. Credit cards don’t offer quite the same amount of flexibility. 

You can, however, use a credit card for a cash advance; you’ll just have to pay for the privilege. We’ll talk more about this in a moment. First let’s address the way you can get cash back, in a way, when you buy something.

How to get cash back with a credit card

One meaning of “cash back” is definitely a possibility with your credit cards. If you’re interested in earning rewards on your everyday spending, there are certainly myriad options that allow you to collect points or otherwise rack up “cash back” when you make purchases at stores, gas pumps, online and just about anywhere you use your credit cards.

Cash-back credit cards can even be tailored to provide you with the highest possible cash back to fit your lifestyle. In other words, if you spend a lot of money monthly on gas, you’ll want to look for a cash-back credit card that offers you particularly high rewards earning potential at gas stations. If you’re a regular grocery store spender, the same logic applies: Look for a cash-back card that offers higher rewards for spending at grocery stores.

While cash-back credit cards don’t provide instant cash in your hand at a cash register, they do offer plenty of opportunity to earn cash back for buying something with your credit card, there’s just a bit of a delayed-gratification factor to consider.

  • CardName – Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards, 4.5% on dining and drugstores, and 3% on all other purchases! After your first year or $20,000 spent, enjoy 5% cash back on Chase travel; 3% cash back on drugstore purchases and dining; and unlimited 1.5% cash back on all other purchases. And there is no annual fee.
  • CardName – Enjoy an intro 0% APR on balance transfers for 18 months (then, RegAPR); earn unlimited 1% when you make a purchases and another 1% when you pay your bill on time (at least the minimum balance due) for a total of 2% cash back on purchases; no annual fee. Citi is a CardRatings advertiser.
  • CardName – Earn a one-time $200 bonus after spending $500 on purchases within your first three months; earn 1.5% cash back on all your purchases; enjoy an introductory 15 months no interest on purchases and balance transfers (then, RegAPR); balance transfer fee applies; no annual fee.
  • CardName – Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months. On an ongoing basis, earn 6% back on up to $6,000 spent at U.S. supermarkets annually (then 1%) and 6% back on select U.S. streaming subscriptions; 3% back at U.S. gas stations and on transit purchases including rideshares, train fares, tolls, parking and more; and 1% on other purchases; AnnualFees American Express is a CardRatings advertiser; See Rates and Fees

This is a sample of the cash-back rewards cards out there; if you don’t see one you like, research additional cash-back credit card options.

Can you get cash back with a credit card at grocery stores?

No, you can’t use your credit card for cash back at stores; this is a transaction generally reserved for debit cards and, in fact, is only possible at some stores even then. 

In general, you’ll want to use a debit card for cash back, whether via a transaction at an eligible store or through an ATM withdrawal. There is, however, one major credit card issuer that does allow cash back at checkout. We cover this more below.

How to use a credit card to get cash at an ATM

You can can use a credit card to get cash at an ATM by making a cash advance. A cash advance is a transaction through which you draw upon your credit card’s line of credit to withdraw cash, whether through an ATM or with a teller at a financial institution. Though it can be easy to confuse the two, the main difference between cash back and a cash advance is that cash-back rewards are something that can be earned with certain credit cards. A cash advance is a feature offered by most cards which allows you to withdraw cash. Usually, the amount of cash available for cash advances will be less than your full credit limit available for purchases. In other words, if you have a $10,000 credit limit, you’re unlikely to be allowed to withdrawal a full $10,000 as a cash advance. 

According to most industry analysts who watch these kinds of statistics, cash advances have declined in popularity over the past few years. So many merchants accept credit cards, it’s often easier to transact with plastic than with greenbacks, anyway.

Things to consider before taking a cash advance

Even the best credit cards charge certain fees, so should you require cash in an emergency, here’s what you might end up paying if you take a cash advance:

  • Cash advance fee. Many banks now charge an upfront fee of up to 5% when you convert part of your credit limit into cash.
  • Immediate finance charges. Unlike purchases, most cash advances immediately start racking up interest. Many banks charge higher APRs for cash advances than for purchases.
  • Network access fee. Your bank and the ATM network could each charge you a service fee of a few dollars for handling your cash advance.
  • Teller processing fee. If you make your cash advance request from a live person at a bank or at a travel services agency, you can expect to pay an even higher service charge.

You can also get cash from your credit card by using convenience checks. Most of us use these to take advantage of balance transfer offers when we want to pay off a debt that’s not linked to a major online bill payment service. Convenience checks often carry their own fees of up to 5% of face value.

One final – but not necessarily recommended – method to get cash from your credit card involves reloading prepaid debit cards at particular retail locations. However, merchants can dictate whether they process this kind of transaction as a cash advance. If you find one that doesn’t, you can pay a flat fee for the reload card, then withdraw the cash from a participating ATM. Due to the potential for fraud, many merchants decline to sell prepaid card reload packs to customers using anything other than ATM cards or cash.

Used sparingly, this can be an inexpensive way to tap some cash from a credit card without paying hefty fees. Some cards may charge various fees for activation or usage, so be sure you fully understand the fees attached to the prepaid card.

Cash back vs. cash advances



Instant cash-in-hand



Charges additional fees



Accumulates Interest charges



Affects credit utilization



Counts against credit limit



Can you get cash back with a credit card without a PIN?

You can use your credit card for cash back without a PIN if you head into a bank branch and complete the transaction with a teller. Note that you’ll need the card as well as a government issued ID in order to do this and, as mentioned above, there could be a fee associated with making your request through a person rather than an ATM.

To use an ATM for a cash advance, you will need a PIN. You’ll save yourself a potential fee for going through a person, but you could still be on the hook for the other fees mentioned above.

An exception to the rule: Discover cards offer cash back at the register

In a break from the usual, Discover cardholders CAN receive cash back, up to $120 in a 24-hour period at dozens of retailers. With this option and a qualifying card, such as CardNamediscontinued, you can get cash back with a credit card at Trader Joe’s, Kroger, Dollar General and many other retailers.

This “cash over your purchases” amount is subject to the same APR as your regular purchases (not the higher APR that many cash advances are subject to). If you make sure and pay off your credit card statement balance each month, this essentially means that you’re making a cash withdrawal for free. It is convenient, for sure, but make sure you don’t treat it like “free money.” You will pay interest on the amount you get back if you don’t pay off your statement balance each billing cycle. 

One more thing, you won’t earn rewards on the cash-over amount.

(See Rates and Fees of the CardName)

Featured Partner Cards:


The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. does not review every company or every offer available on the market.