This is an area where you can't generalize. There are cities where hot dog carts take CC's because nobody carries cash and they can't sell without the capability. There are also cities where many high-end restaurants don't take CC's, either because they don't want to deal with the cost of interchange fees and CC disputes.

Unless you are on business travel and have no option but to eat at a restauarant, it is usually a discretionary expense and twisting your life into a pretzel to score a few points in some program is likely a poor monetary and even poorer personal choice.

I eat where I want to eat and use the payment form that suits me best if it's available. But, I can't imagine passing on my restaurant of choice even if I had to use an ATM and pay a fee.