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The term “cash back” has a few meanings in retail. It may refer to getting money back when making a purchase to avoid the ATM. If a retailer offers a store credit card, cash back may refer to rewards earned for card purchases. Finally, you might get cash back for a returned purchase rather than a store credit or credit back to a card.
Knowing how to get cash back at Target may help you save money if you’re a frequent Target shopper. So when and how does Target do cash back?
Does Target Do Cash Back?
Yes, you can get cash back on in-store Target purchases at checkout using any debit card, typically up to $40. You can also get cash back when using the Wallet feature of the Target app during checkout and selecting the Target Debit Card as the payment method.
Can I Get Cash Back at Target Self-Checkout?
Cash back is available at Target self-checkout, although it might vary by store and checkout kiosk. The same cash-back rules apply when checking out with a cashier.
Can I Earn Cash-Back Rewards With a Target Credit Card?
If you have a Target Mastercard, you can earn 2% cash-back rewards on dining and gas purchases and 1% on non-Target purchases. Use the card for a Target purchase, and you’ll receive a 5% discount rather than cash-back rewards. You also receive a 5% discount when using any other Target RedCard, including the store card, debit card and reloadable Visa card.
Does Target Give Cash Back on Debit Card Returns?
When returning merchandise at Target, the return amount will typically go back to the original payment method, so a debit card return would go back to the card.
Make Your Money Work for You
Does Target Have a Cash-Back Option for Credit Cards?
Like most retailers, you cannot get cash back when paying with a credit card during checkout. Some retailers do give cash back on Discover card purchases. However, Target is not one of the retailers currently offering this service.
Does Target Do Cash Back With Apple Pay Purchases?
You can’t get cash back at the register or self-checkout when using Apple Pay for a Target purchase. However, if you use your Apple Card as the payment method through Apple Pay, you earn Daily Cash in your Apple cash account on Target purchases.
Takeaway
At most Target locations, you can get up to $40 cash back using a debit card at a register or self-checkout. If returning merchandise, you’ll typically only receive cash back if you made the purchase with cash. Any credit card cash-back rewards earned on Target purchases will depend on the type of credit card used.
Getting cash back when making a purchase is convenient, but frequent small withdrawals can add up. Make sure you’re tracking and accounting for any cash back you receive so you don’t trigger a checking account overdraft or throw your budget out of whack.
Information is accurate as of Jan. 11, 2023.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
FAQs
Yes, Target does offer cash back at self-checkout when using a debit card. Here's what you need to know: Cash back limit: At most Target locations, you can get up to $40 cash back using a debit card at a register or self-checkout [1].
Can I get cash back at Target? ›
Scan your Wallet barcode at checkout to apply your cash withdrawal, discounts, Target Circle, Target GiftCard(s) and Target Debit Card payment to the transaction. Cashier will give cash back at the end of the transaction. Cash withdrawal works in lane and at self-checkout.
Can I withdraw cash from Target credit card? ›
A Target Mastercard can be used to make Purchases at Target and wherever Mastercards are accepted. A Target Mastercard can also be used to obtain cash advances from participating automated teller machines, financial institutions, or other locations (“Cash Advance(s)”).
Can I get cash back for a debit card return? ›
debit card refunds. If you return a purchase made with a debit card, the amount of the purchase can be credited to your linked checking account as a debit card refund or you can sometimes receive cash back if you return an item in-store.
Did Target get rid of cash back? ›
Target recently announced that an updated Target Circle Rewards program will launch on April 7. Shoppers can benefit from additional program benefits like automatic deals applied at checkout and personalized offers. One benefit that will no longer be available to members is 1% cash back earnings.
How much cash can you withdraw at Target? ›
The Target RedCard credit and debit cards offer similar store benefits, so knowing how you want to use the card can help you choose the right option. With the debit card, you can pay for Target purchases directly from an existing checking account and withdraw up to $40 in cash when you check out.
Can I get a cash refund if I paid by debit card at Target? ›
Yes, you can get a cash refund if you paid by debit card at Target in most cases [1]. Here's how refunds are typically processed at Target: Original Form of Payment: In most cases, your refund will automatically go back to the original form of payment used for the purchase [1].
Can I use my Target card at an ATM? ›
Which ATMs can I withdraw money from? Once you receive and activate your card and set up a PIN, you can use the Visa® debit card issued with your Target Circle Card Reloadable Account for ATM withdrawals anywhere Visa debit cards are accepted, including ATMs at Target stores and international. Fees may apply.
How much cash back can you get at a store? ›
Farm Fresh, Food Lion, Harris Teeter, Ralphs, Safeway, ShopRite, SuperValu, and Vons: These stores offer up to $200 cash back with a debit card [1]. Walmart: Walmart allows cash back between $20 and $100, depending on the payment method used [1].
How do I get cash back from my card? ›
Simply insert your credit card and enter your PIN to withdraw money. The ATM may ask whether you'd like to use checking, debit, or credit. Select credit and enter the amount of money you'd like to withdraw. The ATM should warn you of any fees you'll pay for the transaction.
When a customer requests cash back, the merchant charges their card that amount in addition to the amount of the purchase, then gives the customer an equal amount of cash from the register. Cash back can only be given on debit card transactions, not credit cards (although Discover offers an exception to this rule).
Why can't i get cash back at Target? ›
Cash withdrawal option will only appear when a Target Debit Card is selected as a payment method in the Wallet. Tap the toggle in the Cash Back cell to turn on cash back. Select the dollar amount you'd like to withdrawal for this transaction, and select Save.
What is the new Target policy? ›
Target is changing its self-checkout policy at all of its stores, while Dollar General is shutting down self-service lanes at many locations. If you want to use Target's self-checkout lanes, you'll have to start limiting your cart to 10 items or less.
How much cash back does Target Circle give? ›
Earn 1% 1 when you shop to redeem at Target later or continue saving 5% 2 with RedCard™.
Does Target Circle give cash back? ›
Target Circle is the retailer's loyalty program, which lets you earn 1% cash back on all your purchases at Target (more if you have the Target credit card). The program includes personalized offers and digital coupons that you wouldn't normally get without being a Circle member.
Can I get cashback with Apple pay? ›
So the apple pay doesn't offers cashback. But the apple card does on purchases.
What is cash back at checkout? ›
For every purchase a customer makes with their card, the retailer has to pay a certain percentage back to the card company. The credit card company then passes some of this payment back to the customer in the form of cashback. Debit card cashback is generally cashback paid directly from the bank to the customer.
