Credit cards on average cost about 3% of the overall transaction to process. In order to cover this cost Benefit has to lower the retailer rebates for users choosing to pay with credit card. Many of our users choose to use credit card knowing that while the Benefit rebates might be smaller they are also taking advantage of their credit cards rewards.
To get the most out of our platform we strongly encourage our users to choose to pay with a checking account to maximize their contributions to their chosen beneficiary. Doing so will add up to 3% more to the rebate across our entire retailer portfolio.