>>2.75 to Amex is a lot of money on a $150,000 vehicle....and they also take 90 days to pay.

Carioca, please tell me Canadian law allows you to consider that 2.75% as a business expense for tax purposes.

In that case, the full effect of the merchant fee isn't felt. It reduces the tax on your profits to the extent of the bracket you are in. Maybe the 2.75 becomes, in net effect, 1.75%, or something.

I positioned this approach for the last 2 Chevy's I bought. I was able to charge something like $5 or $6K of the purchase price to my CO Visa.