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While you're entitled to pursue this as far as you care to, I personally don't agree with it. I think it's unreasonable to assume that the dealer will eat an $800 charge to accommodate you. If you'd been upfront about your preferred payment method when negotiating the price, that'd be one thing, but that wasn't the case.
Just as we all hate it when dealers try to change the terms of an agreement with hidden fees, etc., I think the reverse is similarly unethical. You may be "right", in the sense that the Visa contract requires the dealer to honor it, but it doesn't pass my "fair and reasonable" test. That's as a fellow consumer.
All of the above is my OPINION. Good luck with your car purchase.
Edit: I see John beat me to the punch while I was slaving over the keyboard.
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