Black Friday, the busiest shopping day of the year, is often associated with finding great deals and stretching holiday budgets. However, many consumers may not be aware of the hidden costs that come with using credit cards during this season. Credit card swipe fees reached a record high of $187 billion in 2024, with the average household facing an additional $1,400 in costs. These fees, which range from 2% to 4%, are a significant burden for both consumers and small businesses. As rising costs continue to impact the retail and food industries, many stores are now adding credit card fees to their transactions or offering discounts for paying with cash or debit. This has led some consumers to reconsider their payment methods and explore alternative options to save money during the holidays. The term ‘swipeflation’ has emerged to describe the hidden costs associated with credit card transactions during this time. With consumers spending millions on Black Friday, it’s essential to understand the financial implications of their payment choices and make informed decisions that can help them save money while supporting local businesses that are struggling to stay afloat. The issue of swipe fees is gaining attention, with many calling for greater transparency and better options for consumers to protect their wallets during the holiday shopping season. As such, it’s crucial for consumers to be aware of these hidden costs and take steps to protect their finances during this busy shopping season. By making informed choices about how they pay, consumers can save money, support local businesses, and make the most of their holiday shopping experience.