Does Trader Joe’s Do Cash Back? (What We Found)

Trader Joe’s is one of the leading grocery store chains in California, offering numerous incentives, discounts, and rebates to encourage more people to buy from them. The cashback policy is one of the most popular incentives that leave people wanting more. 

In this article, we will show you how to take advantage of the cashback policy in Trader Joe’s through your debit or credit card. 

Does Trader Joe’s Do Cash Back in 2023?

The short answer to this question is yes! Trader Joe’s offers its loyal customers cashback in all their stores, varying from 40$ to 50$, depending on the location. Trader Joe’s primarily offers cashback to its customers to bring more customers to their stores. 

Are There Additional Fees in the Cash Back Policy of Trader Joe’s

For those unfamiliar with the cashback policy, cash back “refunds” a percentage of the cash the customer spent. Some stores charge their customers a whopping $1 or $2 service charge with each transaction. 

However, Trader Joe’s provides this service free of charge, allowing their customers to experience the full cashback with every purchase. All the clients need to do is have a minimum purchase of $1 to be eligible for cashback. From this minimum purchase requirement, Trader Joe’s offers cashback in 10$ increments to reach up to $50 with each purchase. 

What is the Cash Back Policy at Trader Joe’s? 

To qualify for a cashback, the you need to complete their transactions with a debit or credit card. However, you the customer would need to use a credit card with a cashback or cash advance policy. 

To be safe, you can contact your nearest Trader Joe’s store to inquire about more information on their cashback policy. Here are some of the credit cards Trader Joe’s includes in their cashback policy. 

If you are an employee at Trader Joe’s, you can use your employee discount with the cashback policy to save money on your purchases. 

How Soon Can You Get Your Cash Back from Trader Joe’s? 

How soon you would get your money back depends on your credit card service provider. Make sure to check out your provider’s terms and conditions for an estimated time on when they would credit your money to your account. 

To speed things up, you can perform your research on the store you plan to go to and prepare the requirements that would make you eligible for cash back. On the side of Trader Joe’s, they would credit your cash as soon as you make the purchase. 

How You Can Get More Cash Back from Your Purchases?

Trader Joe’s explicitly states the certain requirements and the amount they would dreturn to you after every purchase. However, if you want to get more cash back from your purchases, you can consider looking at your credit card provider’s cash back policy. If you find the right credit card to do business with, you can receive more rewards from them in the future. 

Furthermore, you can also consider other cash back sites that could provide you more incentives when shopping. Here are some cash back sites you can look at to maximize your cash back from your purchases. 

  • ShopAtHome 
  • Rakuten 
  • Ibotta 

Can You Get Cash Back by Buying Online? 

The Trader Joe’s website does not provide an online shopping option for its customers. Instead, Trader Joe’s uses their website to allow customers to add products to their list before entering their stores to buy them. If you want to take advantage of the cash back policy at Trader Joe’s, you need to use your debit or credit cards at one of their stores.  

How to Get Cash Back from Trader Joe’s 

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Taking advantage of the cashback policy at Trader Joe’s is simple. Like other cash back policies at other stores, you will see your cash credited to your bank account by the end of the purchase. For clarifications, we recommend asking the operators in any open registers. 

Now that that is out of the way, here is a step-by-step guide to getting your cashback from Trader Joe’s. 

  • Step 1: Bring the items you want to purchase to the cashier in one of the open registers and inquire about the company’s cashback policy. 
  • Step 2: Purchase your items with either your credit or debit card. Ensure that your items meet the minimum purchase requirement. 

Please note that some credit cards do not offer a cashback policy, making it more difficult for Trader Joe’s to issue your cashback. Make sure you reach out to your credit card service provider to inquire about their cash advance policy. 

Does Trader Joe’s Accept Checks in its Cash Back Policy? 

As far as we know, the cashback policy at Trader Joe’s does not cover payments made through checks. Many retailers do not accept checks unless they have a check-cashing system in their registers. 

Since Trader Joe’s does not have these facilities, you would most likely want to stick with credit or debit cards. 

Can I Get Cash Back with Cash Payments? 

Unfortunately, Trader Joe’s only accepts debit and credit cards as eligible payments to qualify for its cashback policy. However, if you choose to pay through cash, Trader Joe’s might have other incentives, discounts, and rebates that you can avail. 


To encourage customers to continue shopping with them, Trader Joe’s offers cash back without the excessive service fees from other retailers. To save on your purchases at Trader Joe’s, you can use your credit or debit card. Just make sure to meet the $1 minimum purchase requirements to avail of this privilege.  If you need more information, contact the customer service at Trader Joe’s before visiting the location nearest to you. Enjoy shopping!

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