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Which credit card is friendliest to merchants?
Please don't waste any more time feeling bad for merchants for the charges they incur. I don't know who supported the lobby for this rule, but issuers no longer can demand that merchants accept all transactions (even the unprofitable ones).  I discussed this at length on my blog. Merchants accept credit cards for one reason, and one reason only: it brings them more business.  More people will buy, and on average they'll buy more.  They used to take the occasional hit for someone buying a pack of gum with a credit card, but they don't have to anymore.  The new law restricts issuers from imposing minimum transactions that are less than $10. I use a rewards card wherever possible.  I get a cheaper price.  In most cases I don't care what the merchant has to pay.  They've already factored it into their prices. But if you are concerned, then as fennec points out in his comment, cash is the way to go.