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Fair enough, I can only speak from experience where they are lower than MC and Visa. It’s fair to say the other two have had to reduce their rates due to market pressure, Amex hasn’t changed its rate, but they are still lower.

I have very little trouble using mine in a lot of shops, only a few don’t accept it. Amex champion small businesses, charging less than MC and Visa, so there really is no financial excuse for any business not accepting it. Oh, and the air miles are a decent benefit too, saves me a packet on...