Does Target Do Cash Back? How Much Cash Back Can You Get? Solved

Short Answer

At most stores, Target offers cash back up to $40 when you pay with a debit card. Depending on your state and the specific store’s policies, you may also be able to get cash back from Target gift cards. See below for limits and fees that may apply, as well as alternatives to getting cash back at the register.

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Target Cash Back Policy

Target offers cash back at no extra charge when you pay with a debit card, including a Target RedCard Debit Card. There’s no set minimum for cash back with debit card purchases, and the maximum amount of cash back you can get with a debit card is typically $40 (though this may vary by store).^[1] You can ask for cash back at the register and your Target cashier will provide it to you.

Be aware that your debit card/checking account may have a daily limit on how much you can withdraw — if you attempt to exceed this limit, there may be a fee or the transaction may be denied.

Also, note that a cash-back option is not always available at self-checkout stations, and if it is, it is sometimes available only in limited denominations; it’s a good idea to check with an attendant before you try to get cash back from a self-checkout.

Credit Cards

Target cannot give cash back on purchases made with a credit card, even if you’re using a Target Credit Card.

However, Target does offer cash advances on the Target Mastercard. With a Target Mastercard, you can take out a cash advance at an ATM or in person at a bank, money transfer service, or casino.^[1] You’ll need a PIN to use a Target Mastercard at an ATM — you can manage your PIN on Target’s website.

Personal Checks

Target will not give cash back if you pay with a personal check. To find out more about getting cash back when paying with a check, see our research on where you can get cash back with a personal check.

Target Gift Cards

Only locations in some states offer cash back on purchases made with a Target gift card.^[1] To get cash back, the total amount on your gift card must not exceed your state’s maximum cash-back limit. Depending on your state, you may only be able to get cash back if the gift card has less than $10 remaining on it (if cashing it out is possible at all).^[2]

Some store managers will not offer cash back for gift cards at specific locations, even if a state officially allows cash back up to a certain amount. You can contact your local Target to find out if it offers cash back for gift cards.

Getting Cash From an ATM in Target

You can also get cash at Target if your store has an ATM. Although Target’s website does not state which locations have ATMs, you can call your local Target and ask to speak to guest services.

If your local Target does have an ATM inside, you’ll need to be aware of the ATM’s network and whether or not your bank will reimburse fees for ATMs outside of its network, and, if they do, the maximum amount of fees they’ll reimburse each month. Target will not charge any additional fees beyond what the ATM’s service provider (i.e., the bank who owns the ATM) charges to those who are not members or part of its network. Our research lists ATM withdrawal limits by bank.

Other Places That Offer Cash Back

Grocery stores, pharmacies, convenience stores, and other establishments offer cash back on debit card purchases, and sometimes when you pay with a personal check or credit card. For more options, see our research on which stores give cash back on debit, credit, and check transactions.

If you need a large sum of cash back at once, see our research on which stores allow you to get the most cash back.