I’ve been a couple of places in the past year where they upcharged for a credit card purchase. And a lot of government offices do as well - around 3%. I have tried to start asking wait staff if the restaurant takes a 3% cut for processing tips on a card. A lot do now. And I try to tip in cash for those. Restaurant chain can eat the 3% for the bill; I don’t want to hurt someone that works hard for their tips.
About half of my suppliers charge 3% to pay with CC. Them I pay with “cash”, usually ACH. But any that don’t I use cards. Get enough cash back to buy my wife’s plane tickets twice a year to Florida to visit family and friends. The cards I use for paying vendors are personal cards so on paper it looks like I spend a ton of money every month personally.
Some of my customers pay me before the card bill arrives. Great for my credit rating and limits. If I spent my CC limits I’d be bankrupt in no time. I am rather surprised with my personal income level that they give me such high credit limits. My total card limits are greater than my annual after tax income. Kind of insane. Especially if they are that liberal with everyone else.
Car insurance, homeowners insurance, power bills, Kroger, Wally World all take cards with no fee. I have to spend the money so I may as well get the card benefits.