I have a friend that owns a car dealership, (EQ4803 would know more than me)......I asked him this very question.....

He said it is VERY rare that someone comes in to offer to charge the entire purchase of a car to their charge/credit card.....

It is VERY common that people will make a down payment or partial down payment via credit card......

But he has had to occassional customer walk in and offer to pay the entire purchase by charge/creidt cards.....he says that we make the potential customer a cash price or charge/creidt cards, typically you can expect the charge/creidt card price to be 3-5% higher than the cash price.....makes sense, if you want a bottom dollar price you cannot expect to pay an extra $300-$500 on the deal of a $10,000 tranasction, that should be the responsibility of the customer....

BUT look at the flip side.....going on the high side.....at 5% on $10,000, that will cost the customer $10,500, that will yeild 10,500 points, valuing point per value of $0.02, 10,500 points have a "cash" value of $210, means the "net" cost would be $10,500-$210 = $10,290.

Ironically my buddy had a customer buy a car on his american express, paid the 5%, but this customer DID not have the cash to buy a car....the customer did have the room on his amex...what he did....went out got pre-approved for a loan.....told the bank what he was going to do....did it....and then paid his amex....so even if you dont have the cash in hand, you can still pay through a monthly loan & route it through your bank......

Ric