I was too, until I learned about "points", now I pay for everything I can by credit card.
I bought a new car about a year ago and tried to get the dealer to let me pay with a credit card, he wouldn't go for it though. The $20,000 balance, after trade in, I wanted to pay by card would have cost him 3%, ($600).
I haven't paid credit card interest in many years.
When you don't pay for things by card, you are indirectly subsidizing those who do.
No, the car dealer would have not only had to pay a fee (tho’ 3% is pretty high), but getting you to take out a car loan would have instead got him a commission!