Ryan P Page, Staff Writer
@ryan_page
The best credit card for school fees is the Wells Fargo Reflect® Card because it allows cardholders to pay down purchases interest-free with an APR of 0% for 21 months from account opening. Additionally, the card offers 0% for 21 months from account opening on qualifying balance transfers.
Just bear in mind that Wells Fargo Reflect requires at least good credit for approval. While most students will not be eligible for the card, parents who have big tuition payments might want to consider applying. Also, balance transfers are subject to a fee: 5% (min $5). And the card’s regular interest rate – 16.99%, 23.49%, or 28.74% Variable – takes effect after the intro period ends.
For students, the Bank of America® Unlimited Cash Rewards credit card for Students provides great rewards, has a $0 annual fee, and offers an initial APR of 0% for 15 billing cycles on purchases and balance transfers. That means students can use the card to pay off larger expenses like tuition over time. New customers will also get an initial bonus of $200 after spending $1,000 in the first 90 days, on top of 2% cash back on purchases for the first year from account opening, 1.5% cash back on purchases after that.
Best Credit Cards for School Fees in 2025
- Rates & Fees Long Intro APR: Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Long Intro APR: Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Long Intro APR: Wells Fargo Reflect® CardLearn MoreLearn More
- Great Student Card: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn More
- Great Student Card: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn Moreon issuer's website
- Great Student Card: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn More
- Study Abroad Programs: Bank of America® Travel Rewards credit card for StudentsLearn MoreLearn More
- Study Abroad Programs: Bank of America® Travel Rewards credit card for StudentsLearn MoreLearn Moreon issuer's website
- Study Abroad Programs: Bank of America® Travel Rewards credit card for StudentsLearn MoreLearn More
- Rates & Fees Terms ApplyBonus Cash Back Rewards: Blue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Rates & Fees Terms ApplyBonus Cash Back Rewards: Blue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Bonus Cash Back Rewards: Blue Cash Preferred® Card from American ExpressLearn MoreLearn More
- Rates & Fees No Annual Fee: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & Fees No Annual Fee: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- No Annual Fee: Chase Freedom Unlimited®Learn MoreLearn More
- Rates & Fees Flat Rewards Rate: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Flat Rewards Rate: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Flat Rewards Rate: Wells Fargo Active Cash® CardLearn MoreLearn More
- Long Intro APR:
- Great Student Card:
- Study Abroad Programs:
- Bonus Cash Back Rewards:
- No Annual Fee:
- Flat Rewards Rate:
Whether you’re a student or a parent helping your child, you should consider getting a new credit card to pay for school fees. The right credit card can give you more time to pay down large school-related purchases, and you could potentially earn rewards that help you save some money. Also, take a look at the best back-to-school credit cards for offers that can save you money on additional school expenses.
Popular Student Credit Cards in October 2025 from Our Partners
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Dining & Entertainment
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Cash Rewards
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No Credit Check
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Good Credit
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Yes, the American Express® Gold Card is a high-end card because it has lucrative rewards and charges a $325 annual fee. Its perks and rewards can save you money even with the high annual fee, depending on how much you take advantage of them.
Why the Amex Gold Card Is High-End
- Annual Fee: $325
- Rewards Earning Rate: 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), 4 points per $1 at restaurants worldwide (up to $50,000 spent per year), 3 points per $1 on flights booked directly with airlines or on AmexTravel.com, 2 points per $1 spent on prepaid hotels and other eligible purchases booked on AmexTravel.com, as well as 1 point per $1 on all other eligible purchases
- Initial Bonus: You may be eligible to earn as high as 100,000 points for spending $6,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $6,000 in 6 months, and receive the points)
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Can I use my credit card to pay school fees?
Yes, you can use your credit card to pay school fees, but it depends on the institution. Some of them accept credit card payments for tuition and other fees, while others may not, or could charge additional fees. Additionally, credit cards typically come with high interest rates, so carrying a balance on your card can become expensive over time.
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read full answer by John Miller, Credit Cards ModeratorDid we answer your question?
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