new credit card surcharge

surcharge. I saw that in a credit union newsletter, but haven't noticed it on any receipts. This seems a pivotal change in policy... is it being implemented widely yet?

from paying with a rewards based credit card to a debit card... 4% is a lot.

Allowed but not widespread yet. Stores would need to clearly display the adder for a charged purchase. Even though my state doesn't permit a surcharge, it's common for gas station to show a 2% discount for cash. (But it's not a card 'surcharge') My card offers 3% back for gas, so I've stuck with it.

surcharge. I saw that in a credit union newsletter, but haven't noticed it on any receipts. This seems a pivotal change in policy... is it being implemented widely yet?

from paying with a rewards based credit card to a debit card... 4% is a lot.

You can find info on this at:

Which states ban it. Which states are planning to ban it. Which companies say they will not implement it.

Whether the law allows or disallows credit card surcharges by the merchant, it makes little difference because there is already contractual ban on merchants surcharging the use of credit cards, if they accept mastercard, visa, american express, or discovercard.

Some merchants ignore the merchant contract, and surcharge anyway. Often they do this if a min purchase price is not met. It is against their contract, and you can report it to visa, mc, amex, or discover if you catch them doing it. But they tend to get away with it because the credit card companies do not enforce the contract.

If a merchant wants to get around that, they are permitted to have a lower cash price, but it cannot be advertized as a discount on everything with one sign. IIRC, they must mark a separate cash price on each item that has the cash discount. That's not law, just what's in the visa merchant agreement.

I think the was done away with recently, by an antitrust lawsuit if I remember right.