Merchant receives $97.76 – overall fee $2.24. Final picture showing how the merchant’s $2.24 fee is allocated. As I’ve stressed above, this is just a simple example but it shows two key points: 1) It is the issuer who receives the bulk of the fees (this is, in part, how they fund their loyalty schemes, etc) 2) The schemes actually earn.
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Obtain at least one debit and credit card on each of the Visa/Plus and MasterCard/Cirrus networks. Even if you follow the advice in tip #3, it's possible your card could get locked anyway. On top of that, it's easy to find yourself in a situation where an ATM accepts only one network and not the other.