It costs you about $3.50 per hundred to use a credit card. This is before the twenty percent interest and late fee thing.
The Per Family average cost to use credit cards was $1,102 in 2023.
Swipe Fee
Payment Processing Fee
Interchange Fee
Assessment Fee
Interest and late fees
(minus ‘cash back’ schemes)
That might be relavent if the item cost for using cash was reduced. I don’t think that has happened for a long time.