I'd give MJ's 5 stars if they stayed open later, which they used to do. It's completely understandable why they don't - they weren't getting the business after 6 to support later hours. And they tried - live music, amateur poetry (is there any other kind?), art shows, etc.
The coffee is good, the staff can be a bit forgetful but it's more amusing than annoying, it's comfortable, free wifi, lots of space for meetings/studying, lots of natural light (run trolls, run), and they now have a new section of gluten-free baked goods - to my knowledge the only in the area.
As for the credit card service charge - it's never been an issue for me. I usually carry some cash or can find two quarters in my car and, to be honest, I'd gladly pay an extra half-dollar to drink good joe rather than that burnt swill SBX pushes.