> Unless I’m charged a lower cash price vs a higher credit card price, no, I’m not really ultimately paying it. You may be correct at a macro level but I’m looking at it from a practical standpoint.
It's typically the more expensive merchants with higher margins who accept American Express.
So you are right that staying with the same merchant, you seldom get an explicit discount for not using American Express. The non-AmEx discount is more hidden, in the form of being able to shop at not-so-overpriced merchants.
It's typically the more expensive merchants with higher margins who accept American Express.
So you are right that staying with the same merchant, you seldom get an explicit discount for not using American Express. The non-AmEx discount is more hidden, in the form of being able to shop at not-so-overpriced merchants.