It's against a merchant's credit card agreement to charge different prices for credit cards vs. non-credit cards. A few small merchants will offer "cash discou

It's against a merchant's credit card agreement to charge different prices for credit cards vs. non-credit cards. A few small merchants will offer "cash discounts" as a way to get around this but it's not common. I get cash back from my credit card. This is partially paid by the merchant fees. So one way to look at it is that I'm getting a discount at every merchant by using my credit card. Anyone not using a credit card is not getting that discount.