Few years ago, we took a vacation to a dude ranch in Montana. Small family place. When it came time to settle the bill, the owner gave the option to write a check and if I did, she gave a small 5% discount. She said the previous year, they had paid $19K in fees to Visa for the privilege of using their services.

I was going to say, any business that refuses cash and moves to only credit card transactions will burn through that $10k 'bonus' in a hurry and will turn their business into a cash cow for Visa.

Yep, 3% usually. A lot of small businesses will tell you they prefer cash due to the fees they pay, or they pass those costs on to the consumer in higher prices or their own fees.