spiffikins brought up credit card surcharges, and I wanted to address it publicly, rather than in just a comment.
I once read that the merchant agreement signed with the credit card company prevents the business from passing on the fees/surcharges and also prevents the business from setting minimums for a credit card purchase. Then again, that was probably 10+ years ago when I read that. The idea is/was that the holder of the credit card should reap the rewards and have an excuse to continue to use the card rather than be deterred by the business offering the credit card option. Ultimately, the credit card company wants you to continue using your card and hopefully not pay off your bill each month so they can earn their pound of flesh from the interest they charge you, since the merchant fees just cover the cost of processing and/or equipment rental. If I have a 1% cash back card, but the business charges 1.5%-4% in fees, it will deter me, the credit card holder, from using it as I have not gained any benefit from that usage and would be better off paying in cash.
Nowadays,
it depends on the state law rather than the merchant agreement. In Texas, where I'm at, it's illegal (except for municipal transactions and, also quite notably, private schools, which just reminds me that I live in the Texas-sized Belt Buckle of the Bible Belt), but that doesn't stop businesses from trying or from labeling it something else to get away with it ("convenience fees" are still allowable so long as there's a non-convenience-fee payment option, such as cash). Also, if you dig into
the code that makes it illegal in Texas [Tex. Finance Code Ann. ยง339.001.(e) (1999)], there is no written penalty, and the only recourse a credit card user has according to Section (c) is to file a complaint with the Texas consumer credit commissioner. Since Texas is very pro-business, it's probably a moot point trying to fight it, but I wish you luck if you do.
I am not against abiding by a small business stating a minimum limit for credit card purchases (especially Mom & Pop donut shops!), but I find it ridiculously tacky for any business to add any sort of "credit card surcharge" onto the bill. However, I also know that if the company offsets those overhead fees by instead increasing their prices overall, those who pay by cash are the ones that are getting shafted, as they are now also paying a portion of that surcharge that they were not responsible for creating. Credit cards benefit those that have them and punish those that don't unless the business charges the credit card customers, and ONLY the credit card customers, those surcharge fees.
I also researched when Six Flags decided to go cashless during the pandemic (thereby causing me to lose my second job that I actually really loved), as I wanted to know
the laws and pros and cons for going cashless. So, while I know going cashless hurts those that can't afford to have credit cards, I still really want to be a credit card person getting my 1% back and cringe every time I see a tacked on fee.
Unfortunately, what I am starting to see are surcharges on the purchase ticket, the thing that gets printed out and handed to you BEFORE you actually hand over your form of payment, like at a restaurant. If you see that and wish to pay by cash, confirm that the fee will be removed when handing over your payment, and verify it afterwards on your final receipt. I worry that businesses that pre-print the surcharge are not removing it if someone pays by cash unless someone calls them out on it, thereby still passing on unwarranted charges to cash-paying customers.