Rated 4/5 stars by our editorial team
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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
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Regular Purchase APR
29.74% (Variable)
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Intro Purchase APR
N/A
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Intro BT APR
N/A
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Pick the monthly due date that works best for you
- Pay for Amazon.com purchases using your Capital One rewards
- Pay for online purchases with virtual card numbers and keep your actual card number to yourself
- Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
- Build your credit with responsible card use
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $3
Expert Reviews
From the LendingTree.com Editorial Team
The Journey Student Rewards from Capital One is tailored to the student who wants to earn cash back while also earning a solid credit history through responsible credit card use and financial management. You can opt to receive free text and email alerts sent to your phone to help you monitor your Capital One student credit card account, and you will earn 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
There is no annual membership fee and cardholders get cash back on all purchases. Accumulated rewards won't expire for the life of the account, and there is no limit to the amount of cashback you can earn. The earned cash can be redeemed by check, or as a credit deposited to your account, with the option for automatic redemptions.
Many students don’t realize how quickly they can spoil their credit – while others also understand that it's also possible to rapidly improve your credit. Since credit history is a journey that starts early in life, this is a good card choice, supported by the kind of innovative online tools and technologies for which Capital One is famous for.
The Bottom Line
This is a reliable student-oriented credit card with a solid rewards program that pays cash back and also gives bonuses to cardholders who pay their bills on time. Capital One also offers account management tools to help first-time credit card owners.
The Good
There are easy ways to earn cash back rewards. There is no limit on the cash back you earn and rewards won't expire for the life of the account. There is also no annual fee and a nice bonus if you pay your bills on time.
The Not So Good
The on-going APR for this card is 29.74% (Variable), which isn't a great interest rate; however, those who pay their bill in full each month won't be affected by this rate.
Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.
Consumer Reviews 0 Reviews
+-1 users submitted a rating without a full review
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By: Matthew | Jul 29, 2016
I qualified for this card when I first started college. I didn't even need a Cosigner! I've learned how to effectively manage my money by using this card. I even have a good credit score, now! I highly recommend this credit card to those who are just beginning college and have no experience with credit.
Related Card Offers
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Intro Purchase APR
0% intro for 6 Months*
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Rewards Rate
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically
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Ongoing APR
17.49% - 26.49% Variable APR*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
- Click through to Discover’s website to see terms and conditions.
- See Rates & Fees
See additional details for Discover it® Student Cash Back
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Intro Purchase APR
0% Intro APR for 6 months
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Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
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Ongoing APR
17.49% - 26.49% Variable APR*
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
- Click through to Discover’s website to see terms and conditions.
- See Rates & Fees
See additional details for Discover it® Student chrome
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Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
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No Rotating Categories
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
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APR
19.24% - 29.24% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Quicksilver Student Cash Rewards Credit Card
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