Just an FYI, the fee that the bank takes isn't even close to the entirety of the fees for a single credit card transaction. The credit card company itself gets an additional fee; and so does the payment processor who operates the equipment used for the transaction (including monthly fees whether the equipment gets used or not).... an then, there are the costs that merchants most often complain about: chargebacks (for customers who claim they didn't get what they paid for, and the burden is on the merchant to prove they did) and fraud.

Use merchants that accept Bitcoin... especially those that don't continue to charge you the same as if they still have to pay these fees that aren't required for them to accept Bitcoin.