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The Choice logo, introduced in 1980, appeared in white on the solid dark blue card, as well as on merchant acceptance signs. Choice was a credit card test marketed by Citibank in the United States, announced in 1977, and first issued in 1978. It was one of the first cards to offer a cash refund program, and no annual fee.
Merchants are charged several fees for accepting credit cards. The merchant is usually charged a commission of around 0.5 to 4 percent of the value of each transaction paid for by credit card. [76] The merchant may also pay a variable charge, called a merchant discount rate, for each transaction. [71]
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