You probably use your credit card when you fill up your gas tank — it’s easy, convenient, and typically earns you rewards in the form of cash back or points. But beware: you can end up shelling out much more than you intended. That was the case for Pat Igo of Palm Beach Gardens, Florida.
He runs a 12-truck fleet and goes through about $3,000 in fuel per month. But he’s been seeing something unusual when he gasps up lately — and you need to pay attention to it as well.
A hidden $1 per gallon surcharge
At some gas stations, especially in Florida, credit card users are getting hit with surcharges that aren’t always obvious.
Here’s what happened to Igo:
- He saw a price on the street sign that looked normal.
- But at the pump, a small box showed a price $1 higher per gallon if paying with a credit card.
- When he asked the manager if it was a mistake, he was told, “I can make it any number I want.”
Unfortunately, this isn’t illegal in Florida — or in many other states. Gas stations are allowed to charge more for credit card payments as long as they disclose it. The problem is, some are not doing that clearly.
Is this even legal?
Yes — but with conditions.
Consumer attorney Thomas Patti explains:
- Businesses can charge more for credit card purchases.
- But they must inform customers of the surcharge.
- Posting the extra cost only in small print on the pump may not meet the spirit of that law, even if it follows the letter.
The Florida Attorney General’s Office confirmed the legality of the surcharge but emphasized the requirement for clear disclosure.
Tips to avoid paying more at the pump
The average American spent about $2,449 on gas in 2023, according to the Bureau of Labor Statistics. If you’re trying to save, small changes can add up fast.
Here’s how to avoid overpaying:
- Use price comparison apps like GasBuddy to spot cheaper stations.
- Check the pump itself, not just the sign out front — the surcharge may only be posted in small print.
- Pay with cash if possible, especially at stations known to charge more for cards.
- Try a debit card —they’re the second most-used method and may not have a surcharge.
- Avoid highway and rest stop stations, which often charge more for convenience.
- Drive efficiently: Maintain tire pressure, avoid speeding, and use cruise control when you can.
Final thought
Igo now avoids stations that quietly charge more for card payments — and you should, too. Until stricter rules are established, your best defense is staying alert and reading the fine print. Even just a $1 difference per gallon can add up.
