Every time you pay with your credit card, it costs the store a small percentage in fees: usually around 3%. And in 2022, Visa and Mastercard raised those credit-card fees again.

Now, more businesses are adding surcharges for customers that use credit cards, or posting signs that they prefer cash, or just raising their prices overall to make up for the growing costs.

A Republican and Democratic senator have proposed a bill to inject more competition into the credit industry and therefore lower these fees. But banks and the credit networks are arguing this might mean fewer reward options.

WSJ explains the hidden fees behind swiping your card and what Congress is trying to do about it.