I was just pointing out that the 1-3% isn't fully eaten by the credit card intermediaries. I do agree with you that it does pass on a tax to the consumer, and i

I was just pointing out that the 1-3% isn't fully eaten by the credit card intermediaries. I do agree with you that it does pass on a tax to the consumer, and it would be better to just charge a 0.2% fee (or whatever the actual cost of credit card processing is) without the points, rather than take 2.5% from everyone and then give the bulk back to whomever you deem "creditworthy"