Journey® Student Credit Card from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
26.99% (Variable)
Balance Transfer
26.99% (Variable)
Rewards
1% cashback
Signup Bonus
-


7.7/10
Informr score
The Journey® Student Credit Card from Capital One® currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 28 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Journey® Student Credit Card from Capital One® is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

With the Journey Student Rewards card, Capital One has designed a program for students geared to reinforce good credit habits, offering tools and incentives unmatched by any other student card.

- Robin Ratcliff, CreditCards.com
WalletHub

The Journey Student Rewards from Capital One is among the very best college-student credit cards available, offering terms that are above average market-wide. Not only does the card not charge an annual fee, but it also rewards you with 1% cash back — which jumps to 1.25% during months that you pay...

- John S Kiernan, WalletHub
Credit Card Insider

The Journey Student Rewards from Capital One is a solid unsecured rewards card that caters to people with average or limited credit. It can be used by anyone, not just students. You get enhanced rewards when you pay on time.

- Brendan Harkness, Credit Card Insider
Cardcruncher

The Capital One Journey® Student Rewards Card is a solid student card that offers a flat cash-back rate. While it doesn’t hold a ton of value for the long term, it’s a great starter rewards card. Use it judiciously, pay your bills on time, and eventually, you should qualify for a better card that’ll...

- TJ Porter, Cardcruncher
The Points Guy

In general, there are better student cards to apply for than Capital One Journey Rewards for Students. Discover it Student carries a generous rewards structure, a sign-up bonus and no foreign transaction fees. However, if your credit is only fair or average, it may be easier to qualify for Journey....

- Dawn Allcot, The Points Guy

Details


Interest Rates
Regular APR Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back

Pay on time to boost your cash back to a total of 1.25% for that month.

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay
Virtual Cards Yes
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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