LogFAQs > #953510206

I use credit card for most stuff, but always try to keep $20-$50 in my wallet just in case. Would not go above that, b/c then it'd really suck if I was robbed or it was stolen, etc...

adjl posted...

Using credit/debit cards always results in some sort of surcharge for the business. Depending on the service they're using, that may be a percentage fee (in which case it doesn't matter how large the transaction is) or a flat fee. In the latter case, they lose a larger percentage of the transaction (it's not uncommon for it to be 10-15 cents, which is a huge chunk of $1-2 transactions), so it's courteous to not use cards for small transactions, at least when dealing with small businesses for which those fees are actually fairly significant.

True, but businesses charge you for that in their pricing regardless of what you pay with, so you may as well use a card and earn some cash back rewards and build up your credit score.
For small businesses and/or small amounts then yeah, use cash. Though usually in those situations they require it anyway. Pretty much every small shop I go to has a $10 or more min. purchase limit to use a card.