What shop? What on earth are you on about? Every single business in the entirety of the UK charges 3% more to cover virgin giving away cheaper flights? Use your words as this sounds nuts. Credit card rewards aren't exclusive to the UK so I can't work out what on earth you are talking about. If you are suggesting the UK as a whole pays 3% more on every single CC transaction then your argument becomes even more odd as you'd be contradicting your original point.