Alan Edward Klein
Member
Think of that credit card fee as an incentive to use cash at a restaurant. The card company charges their fee not only on the base price but also on the tip (which reduces the amount of the tip). Furthermore, the tip gets recorded in the transactions and the staff needs to report it as income. (Frankly, who would blame any restaurant worker for not reporting their cash tips as income?)
Restaurants charging this fee may just indicate that it is getting more difficult to make a decent living owning or working in a restaurant.
I've charged the meal but left the tip in cash. Just draw a line through the tip section and total the bill to equal the food amount.