Can a cash back rewards check go into a personal account or does it have to stay in the business?
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The portion of the credit card purchases that you receive back in cash does not constitute gross income (i.e., not taxable).
See https://www.irs.gov/pub/irs-wd/1027015.pdf
However, if the purchase was a business expense, you cannot deduct the portion you receive in cash back from your business income (e.g., You purchase $500 in office supplies and receive $25 cash back. You can deduct $475 ($500 less the $25 "discount").
If the cash back is through your business then it can't automatically be credited to personal. Yes, it is income.
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