Given that my wife and I have not decided which car we want I am not currently limited to a specific dealer. Obvioiusly, the choice of car comes first, at least to me it does. However, simply knowing which brand of car and which dealership offers a fee-free method of paying by CC gives us an option to buy there, provided its a car we like and if it is close to us. Even if it is not appropriate for us to buy there (wrong car brand for example), it nevertheless is a precedent that I might be able to use in negotiations with another dealer. ^