If you pay for a car using cash which of the following incentives would give you the lowest total cost? A. Cash back offer. A cash back offer is an offer made to someone who purchases a product with cash. Normally, there is an incentive that will give them back a specific amount or a percentage of the price they paid if they pay in cash. Cash payments are what most companies prefer because the funds are available immediately and a processor or bank does not take a portion.