[selicos]

Many places near me have different cash/card pricing from a % to a flat fee on the transaction. I've used debit cards to pay car repair bills to skip the 3% fee (sizeable on a $2500 repair).

Your incentives are paid by the retailer/vendor, if fees are covered by them. If you're paying that fee, which includes profit for the payment/card processes, you may be losing money using a credit card even with perks like points and cash back.

[charlieyu1]

I used to think the percentage fee is a lot (much less than 3% in UK) until I found out all the buyer protection that I’m getting. Literally one single bad merchant is enough for you to lose more

[selicos]

If another payment service offered the same or better protections by default with a lower or zero fee would you jump ship? Or would your bank at least offer that option?