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I think it was Groovy Geek (thanks so much) who posted last year that the best way to pay the USC tuition bill was via American Express Blue credit card for the 5% cash back. I called Am. Express Blue last night and was told that I have to charge $6,500 in tuition money to qualify for the 5% cash back and future charges qualify for the 5% cash back. I am not sure -- I think the first $6,500. is 1% cash back and then the 5% cash back kicks in beyond $6,500 in one category (tuition). No annual fee. If anyone else knows of a better deal, please post. Hope this helps as the cash back is considerable given the amount many of us have to pay.