Thinking I was real clever, I applied for a Discover card so I could get 1% back on my massive tuition bills. Hah. What a joke. The dubiously “independent” service that the school uses just so happens to charge 2.75% to use a card for tuition payments. Hah. So with a 6k tuition bill this semester, I would get back $60, and then have to pay $180 for the service charge. What a deal. At the U. they charged a whopping $1 or something to use a card.