Pennsylvania

And almost no one will take American Express as it has the highest fees. Part of it is our fault as consumers who bought into the Cash Back cards and thought that little bonus just came free from thin air. That is part of what many credit card companies charge the fees for thinking that merchants could spare the change. It all gets paid for some way and merchants like restaurants where profit margins are razor thin just have to pass on costs in some way or another by either charging more for each item or a flat fee for the pleasure and convenience of us using the card.