Amex isn’t exclusive at all. Anyone can go apply for one and get one. It’s not special at all

I literally cannot think of any places that don’t take Discover.

Some American states (not mine) have banned surcharging for credit cards in response to consumer backlash. But what’s not banned is marking up everything by 3% and then offering a 3% cash discount.

Surprisingly not in the US. If you make 100 sales a day of $20 each, then over a six-day week, you’d pay roughly $360 in credit card transaction fees (assuming 2.5% + 10¢ per transaction which is average). If you instead spent half an hour a day counting cash in the till and then half an hour at the end of the week to go to the bank, that’s about $98 in labour cost (assuming a labour cost of $28 per hour, which is roughly $25 per hour in wages and $3 per hour in tax), so the savings are $262 per week, which is not insignificant.

When I buy from a small business that I want to support, I will use cash. When I’m buying anything from a large company, I will always use the fanciest credit cards in my wallet.

In the United States, credit card processing fees are more expensive for fancy rewards credit cards and obviously there’s no fee for cash.

Everything is 4011. If I’m feeling generous, it might even be 94011!