You might be surprised to hear that my small business sometimes sees fees at 11%.

We blocked that card processor, obviously. But the % is very much not constant across e.g. Visa, often every purchase in a day is slightly different, and we can't even tell people what the rate is for their purchase due to a couple layers in between (still figuring out if we can fix that). It's vile, and probably should be illegal to not pass through the cost visibly.

There are a few cards that offer 2% cash back with no annual fee. No chance their fee is 1.5-2%