No way to get far enough below 2% to make that Schwab deal worth it, as far as I know, even if you could get the Schwab charge at the "fully qualified" rate, which I doubt is a possibility. I guess the float would be worth something, but not with today's interest rates.

What I truly love about the credit card acceptance industry is that when accepting a customer's card, the vendor has absolutely no idea what rate they'll pay. I do know enough to say "no Amex" to anyone asking for a discount, but that's the best I can really do.