The simplest and most straightforward credit card rewards program, cash back cards allow you to earn cash back for every qualifying purchase made with your card. Cash back can typically be redeemed through your issuer’s website, though some smaller institutions may use a third-party partner site for redemption. Cash back can usually be redeemed for a statement credit, gift cards, or a physical check (issued through the mail). Most cash back programs come in one of two types. The first and most basic is an unlimited flat-rate rewards program, in which cardholders earn the same amount of cash back on every qualifying purchase with no limit. The second type of program provides a higher earnings rate for purchases in specific bonus categories, typically with a limit on how much you can earn per quarter. The most lucrative cash back rewards program for you will depend on your business’s needs. If you don’t spend much in the common bonus categories, for instance, an unlimited cash back card may be more valuable. In either program, you don’t have to do the earning yourself; employee cards will earn cash back rewards, too.