Maybe my memory is faulty, but I never remembered having to pay a surcharge to use a credit card. Now everywhere I go there are signs saying that there is a 2.5-3.5% surcharge to use a car (and others that say that there’s a 2.5-3.5% discount for using cash, I assume to get around wording)
Almost as if the cash back scheme is just that, a scam.
But you can’t opt out. It scams the vendors but also the people who don’t take part.
Opt out by not using that credit card. I refuse to have a CC with points or cash back.