If you have a “no annual fee” card from your bank and are paying the 3.5% tacked onto your bill, you no longer have a free card from your bank. I’d say reduce your tip and jot a note on the merchant receipt as to why you did. The servers will push back on management. And right now, they have plenty of leverage.
Also, that charge from the CC companies to the restaurant is a tax deductible expense for the merchant. So that 3.5% you may be paying is likely inflated and in their favor.
But that’s none of my business lol
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