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As a consumer, "it pays to discover" the five items that can't be bought with your credit card and the reasons behind the policy.

It doesn't matter if you're buying marijuana for a medical purpose or for recreation; the transaction can only be made by cash.

While credit companies typically want you to pull out their credit card for a purchase, the payment networks -- American Express, Discover, Master Card and Visa -- won't approve so-called naughty purchases.

These transactions are treated as high-risk activities or run afoul of federal law, even if state laws allow it.

Discover and American Express have confirmed they don't allow cardholders to buy medical or recreational marijuana."It's our policy to adhere to federal law in such matters," says Sanette Chao, a spokeswoman for American Express.