Doesn’t matter if you pay your balance or not, they are still getting their 2-3% per transaction... You are at the end of the day paying a 2-3% premium anywhere you shop that takes credit cards, because they are passing that on to ALL their customers, cash or credit.
If it’s 2-3% of the total amount, the banks or someone is getting more if the price of gas goes up. I know it costs all of us if an establishment takes credit cards, no matter if I use a card or not. My point about not feeling guilty is just about me. I hate carrying a balance or paying even one cent in fees. Everyone who does subsidizes me.