Yep. In Germany credit cards are a nuisance for banks. If you want one with cash backs and easy chargeback functionality, you are free to pay 60€ a month for an American Express Platinum card that works exactly nowhere in EU.
How dare Europe force card companies to distribute the cost of being poor on all customers. Cashback is effectively a special fee levied exclusively on those who don't qualify.
I was told the other day that the people most likely to choose to avoid the extra 2.5% fees are the wealthier.
In New Zealand, most low margin business (like cafes) ask you to accept an ~2.5% transaction fee (if you use a credit card or paywave). You can avoid the fee by using a debit card with a chip.
I'm unsure what choice the poorer make. If you're actually low income, maybe you don't go to cafes.
I did notice that a thrift store didn't charge the extra 2.5%: so perhaps poorer people have more pressure to use cards with fees?
Amex is noted for its high fees - so perhaps it is a bathtub where only the middleclass care.
When you have to care for money, visibility doing so feels like exposing weakness. But when you care for the little amounts while it's clear that this is unrelated to need, it turns into showing off a quality.
Only in the U.S. In many other countries the processing fees are regulated by the government so the banks can't afford to give you your "cash back".