Zelle has a limit on the amount I can transfer, especially for new contacts. And it is precisely new contacts where I need to make a big payment, latest example being the contractor to remodeled my kitchen and didn't want credit card payment for some reason.
Exactly this. Paying 3% more for credit card vs cash is a wash for me. I get 2x back by charging it to my Amex Blue Business Plus, those 2x points are easily worth more than 3% when transferring to an airline.
