♦Joe’s will give you $10. What’s the catch? Well the way we figure it, if you cut out the middleman by NOT using a credit card, we can give that back to you and then some. Credit cards costs the retail merchant about 3-5% and extra time & paperwork. Now let’s be real – in today’s world you can’t function without them. But there are alternatives that reduce our dependency on the Big Banks and actually save all of us money. We have a couple of suggestions: (1.) Joe’s Check List –If you are a “regular” and wish to pay by check, please ask your waiter to get you on the list. (2.) Joe’s gift card– purchase $100 gift card with cash orcheck and get an extra $10 value!