It could be factored in, but many restaurants near me add a fee for credit card use, usually 2% but I've seen as high as 3.5%. The credit card rewards usually

It could be factored in, but many restaurants near me add a fee for credit card use, usually 2% but I've seen as high as 3.5%. The credit card rewards usually still make sense, but sometimes I pay cash even if I might lose 0.5% on it.