At this point you are litterally a sucker to pay for anything in cash, because everything is marked-up to cover CC fees, which you get a portion of back in the form of rewards.
Yes, I know some places give cash discounts. Most do not.
Not everything is marked up to cover CC fees, and any time there's a CC surcharge, it's more than the points you get. That and the tip is separate.
I pay tips in cash. There's technically no CC fees on that.