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Mississauga, ON
reply to lugnut

Re: and thats why I use Credit Cards!

The "fee" is normally the Bank attached to the Visa.

that's why you can get no fee visa's, and some gold/plat/club whatever visa that does have a fee. It all depends on what extras the card has.

edit: maybe i'm thinking about interest rate.. it's probably both..
mostly likely Visa charges the Banks a flat rate for anything with their Visa/MC card branding transaction system.. Though I'm pretty sure all the extras (services/extra warranty/cashback) and fee are all the Banks/lender though.