Credit card surcharge laws by state
Plain-language summaries of U.S. state and territory rules for credit-card surcharges, with links to statutes and agencies. Not legal advice—confirm with counsel and your acquirer. Last reviewed October 7, 2026.
Estimate amounts with the credit card surcharge calculator.
Jurisdictions marked uncertain could not be fully confirmed from primary sources: Alaska, West Virginia.
- AlabamaNo state law (network rules)
- AlaskaUncertain
- ArizonaNo state law (network rules)
- ArkansasNo state law (network rules)
- CaliforniaContested
- ColoradoAllowed (conditions)
- ConnecticutProhibited
- DelawareNo state law (network rules)
- District of ColumbiaNo state law (network rules)
- FloridaAllowed (conditions)
- GeorgiaNo state law (network rules)
- HawaiiNo state law (network rules)
- IdahoNo state law (network rules)
- IllinoisNo state law (network rules)
- IndianaNo state law (network rules)
- IowaNo state law (network rules)
- KansasAllowed (conditions)
- KentuckyNo state law (network rules)
- LouisianaAllowed (conditions)
- MaineProhibited
- MarylandNo state law (network rules)
- MassachusettsProhibited
- MichiganNo state law (network rules)
- MinnesotaAllowed (cap)
- MississippiNo state law (network rules)
- MissouriNo state law (network rules)
- MontanaNo state law (network rules)
- NebraskaNo state law (network rules)
- NevadaAllowed (conditions)
- New HampshireNo state law (network rules)
- New JerseyAllowed (cap)
- New MexicoNo state law (network rules)
- New YorkAllowed (conditions)
- North CarolinaNo state law (network rules)
- North DakotaNo state law (network rules)
- OhioNo state law (network rules)
- OklahomaAllowed (cap)
- OregonNo state law (network rules)
- PennsylvaniaNo state law (network rules)
- Puerto RicoProhibited
- Rhode IslandNo state law (network rules)
- South CarolinaNo state law (network rules)
- South DakotaAllowed (conditions)
- TennesseeNo state law (network rules)
- TexasContested
- UtahAllowed (conditions)
- VermontNo state law (network rules)
- VirginiaAllowed (conditions)
- WashingtonNo state law (network rules)
- West VirginiaUncertain
- WisconsinNo state law (network rules)
- WyomingNo state law (network rules)