Yep. All cards have different fees. A single company will have different fees based on which card you have. Just a straight up CC will have a lower transaction fee than a rewards card.
American Express has the highest fees. Visa, MC, and Discover all normally top out around 2.4% + 10 cents. American Express is something like 3.3% + 10 cents. Then each card has an assessment fee of .13-.15%.
A lot of the fees are based on volume. Walmart is charged a much lower fee since they do billions in transactions a year compared to us that will only do a few million. And the more volume you do the more negotiating power you have on fees.
Yeah, we could never go cash only. 80-85% of our sales are on credit/debit cards.