Cash, cash is very friendly

A Visa or MasterCard that has no rewards of any kind: No cashback, no "miles", not even donations to charities as the "reward".Anything that has any kind of rewards usually costs the businesses accepting it a higher "swipe fee" taken out of what they receive.

That's not always true but it's very common with most merchant accounts.

CC can take a good percentage on orders, as much as 6% I've heard 8% on super high premium cards like Amex, don't know if it's true

Debit card is usually the best way for small businesses.

If your CC has a 1-2% cashback incentive, it's not because Visa or MC really likes you. The money comes has to come from somewhere.

Some local businesses around me just stopped accepting CC altogether

If you mean for processing, I’m not sure what would be difficult about one credit card processor over another. The 4 major networks do charge different fees to merchants, so if that’s your primary concern, Visa and MasterCard will typically be the cheapest, but that’s more-so up to your clients and what cards they use.

If you mean for purchasing, I would think the only additional expense to you would be any applicable annual fees (which many business cards do have). There are plenty of business-oriented cards that don’t have annual fees tho, like the Amex Blue Business Cash card. If you value customer service over everything, I’ve personally found Chase to have some of the best customer service from a bank/credit card provider, but many major banks will be competitive in that regard.

If you mean more on the front-end / client-facing side, there are numerous services such as Square and Shopify that can simplify and streamline things, but that of course comes at an additional cost.

Hopefully that helps, otherwise if you can provide some more specific info on what you’re looking for, I or others might be able to provide better help/advice.

Are you talking about accepting payment, or a card for use as a company spending account? I think most answers so far are assuming you're talking about accepting a card type as payment for your goods and/or services.

Monero... Or cash

Unfortunatly not really. The PCI counsel is made up of (5?) major issuing banks that set the ground rules for accepting payment card transactions. There are however tiers to vendors based on their volume of transactions that dictate the fees and the requirements as far as their compliance.

https://www.pcisecuritystandards.org/documents/PCI_DSS-QRG-v3_2_1.pdf

Source: used to work for a pci/dss compliance security company mostly targeting small businesses.