[411mrc]

Get a good cashback card and it's not that much. Use your personal cashback card for billable business expense and you probably make money.

One thing it does do is incentivize the banks to monitor transactions. They know my card # has been stolen before I have a clue, calling me nearly immediately.

[NegativeK]

Consumer incentives are paid by the merchant, who will adjust prices to compensate.

[411mrc]

Merchant fee - cash back = net cost to consumer