Recently took one of our cars in for maintenance. The stealership now has a 3% surcharge on Visa and MC plastic (debit and credit), and doesn’t accept Amex. As it was a substantial amount, the guy writing up the service order at drop-off actually pointed out the surcharge and recommended that I bring my check book when picking up the car (I did).

There aren’t too many businesses in my neck of the woods that charge a surcharge for credit card payments. As I don’t carry much cash these days, I would certainly avoid restaurants that have a surcharge. If a mom and pop bodega has a surcharge and I buy a bottle of water or some other relative cheap item, I don’t really care (and might just pay with cash and use that opportunity to break a $20 for tips down the road).