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Journey® Student Rewards from Capital One®

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Journey® Student Rewards from Capital One®

 

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  • Regular Purchase APR

    24.99% (Variable)

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    500

    600

    700

    850

  • Annual Fee

    $0

  • 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
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Card Fees

  • Late Payment Fees

    Up to $35

  • Foreign Transaction Fee

    None

  • Balance Transfer Fee

    $0

  • Cash Advance Fee

    3% of the amount of the cash advance, but not less than $10

  • Penalty APR

    None

  • Minimum Interest Charge

    See Terms*


Expert Reviews

  • Regular APR

    3.0

  • Intro APR

    3.0

  • Fees

    3.0

  • Benefits

    3.0

  • Overall Rating

    4.0 /5

From the CompareCards.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.

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 24.99% (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.

Expert Reviews of the Journey® Student Rewards from Capital One®

  • Regular APR

    3.0

  • Intro APR

    3.0

  • Fees

    3.0

  • Benefits

    3.0

  • Overall Rating

    4.0 /5


Consumer Reviews 0 Reviews

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+-1 users submitted a rating without a full review

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By: | 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.


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