In Canada, rates vary per card and even vary right along with the variable reward schemes. https://www.cfib-fcei.ca/sites/default/files/pdf/5513.pdf https://www

In Canada, rates vary per card and even vary right along with the variable reward schemes. https://www.cfib-fcei.ca/sites/default/files/pdf/5513.pdf https://www.cfib-fcei.ca/sites/default/files/pdf/5513.pdf Merchants aren't allowed to charge different prices for different payment methods, so there's an incentive for credit card issuers to maximise the rewards and quietly pass them along as fees to merchants! It's a huge injustice, IMO. A case was brought to the competition tribunal that would have made issuers notify cardholders that rewards are passed on as fees, but it was rejected. https://www.thebalancesmb.com/small-business-credit-card-2948242 https://www.thebalancesmb.com/small-business-credit-card-294... Some are as high as 3% - so merchants get charged $12 on a $400 transaction, vs. just 12 cents for Interac debit. So you can see why banks are pushing Visa/MC network debit cards now. EDIT: The EU stopped this nonsense by straight up capping interchange fees at 0.3%. Pretty sure Visa/MC are still doing just fine there :) http://europa.eu/rapid/press-release_IP-15-4585_en.htm http://europa.eu/rapid/press-release_IP-15-4585_en.htm