a secret that everyone knows.
this post was submitted on 08 May 2026
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Getting work done in your house? Ask if they offer a cash discount.
What discount? Every contractor I have hired quoted me the cash price, though they will accept a credit card via a service that makes me pay the credit card fee (and then some).
Yeah, it's not that there is a discount for paying cash. It's that there is a surcharge for not doing so.
This includes checks, for any who may not be aware. So you don't literally need hundreds or thousands of dollars in cash, just to have it available in your debit account.
In my experience, though, every professional will tell you what the cost is and how much more it is if you pay with a card. It doesn't make them any extra money for you to use a card, so they don't try to encourage it.
Sure, you could pay with a check, but where's the fun in that? I have absolutely paid contractors with thousands of dollars in cash stuffed into an envelope. If you ask the teller at your bank nicely, they will even band the bills into tidy stacks so you can feel like you're in a mobster movie.
Most banks and credit unions make it a pain to withdraw thousands at once. They don't really want you to do that.