I ran e/OS on an old OnePlus for a year, quite close to GrapheneOS and mostly just as free of Google. There are plenty of options out there to run a degoogled Android these days.
But yes, running GrapheneOS on a brand new Pixel Pro right now, couldn't be happier.
Note that most of that fee (80%) goes to the issuing bank. The rest is split between network ("the logo on you card") and the actual payment processor.
Yes, it's still .15% that visa or mc take but still (also, I think visa was a cooperative at one point held by all the member banks, not sure that still is the case). And CCs are dumb but that's not the point here :)
(Source: https://www.retailcouncil.org/payment-and-credit-card-fees/)