How to Pay Sallie Mae with a Credit Card

Last Updated: September 16, 2021

Sallie Mae allows you to make payments on your student loan services using a debit card, personal check, money order, or bill-pay service through your bank. At this time, you cannot pay Sallie Mae using a credit card; however, you can apply for one or more exclusive credit cards through Sallie Mae that offer reward points and cash back on student-related purchases that can help pay off your student loans.

Method 1

Method 1 of 2:

Applying for the Sallie Mae MasterCard

1
Navigate to Sallie Mae’s website at https://www.salliemae.com/credit-cards/sallie-mae-card/.
2
Click on “Apply Now.” You will be redirected to an online application website operated by Barclaycard.

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3
Fill out all required fields on the form to apply for a Sallie Mae MasterCard. You will be required to provide your name, address, employment and financial information, security information, and more.^{[1]
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4
Click on “Apply” at the bottom of your session. The website will process your information, inform you whether you qualify for a MasterCard, and send you a card if applicable.^{[2]
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5
Use your Sallie Mae MasterCard when purchasing groceries, gasoline, and books. Sallie Mae offers rewards whenever you purchase groceries, gas, and books from participating merchants.^{[3]
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- Review the terms and conditions of your Sallie Mae MasterCard agreement to locate participating merchants in your area.
6
Continue using your Sallie Mae MasterCard until you’ve earned at least 2,500 reward points, which equates to $25. You can only redeem reward points after you’ve earned at least $25.
7
Redeem your credit card reward points at https://www.barclaycardus.com/. You can either apply your reward points to your student loans, or request cash back to help pay off your student loans.

Method 2

Method 2 of 2:

Applying for the Upromise MasterCard

1
Navigate to Sallie Mae’s website.
2
Click on “Apply Now.” You will be redirected to an online application website operated by Barclaycard.
3
Fill out all required fields on the form to apply for a Upromise MasterCard. You will be required to provide your name, address, employment and financial information, security information, and more.
4
Click on “Apply” at the bottom of your session. The website will process your information, inform you whether you qualify for a Upromise MasterCard, and send you a card if applicable.
5
Use your Upromise MasterCard for online purchases, restaurants, online travel, movie theaters, department store purchases, and all other purchases to qualify for the cash back rewards program. The Upromise credit card offers cash back on most purchases from participating merchants.
- Review the terms and conditions of your Upromise MasterCard agreement to locate participating merchants in your area.
6
Sign up for the Sallie Mae Upromise rewards program at http://www.upromise.com/ to receive your cash back earnings. You can then apply your cash earnings to your student loans with Sallie Mae.