Not sure if your question is specific to California, but you're correct that the special financing rate cannot be combined with the Retail Cash. Several of us have financed with a crappy rate through FCA to get the Chrysler Capital bonus cash and immediately paid it off or refinanced. It's not uncommon at all.
Ordered 9/19/16 -- Built 10/7/16 -- Delivered 10/27/16:
2017 Pacifica Limited - Molten Silver/Mocha
8 Pax - Vac - SafetyTec - UConnect Theater & Sound
20" Wheels - Tow - KeySense - Splash Guards