Am I eligible?
To get this card, you must also:
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...
- Robin Ratcliff, CreditCards.comWith 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.
- Brian Martucci, Money CrashersAppeals to students who like low fees and flexible cash back rewards on general spending. It’s not ideal for students who want rewards they can redeem for merchandise or travel, nor for students with very poor credit.
- Claire Tsosie, NerdWalletIf you’re looking for a lot of rewards or low interest rates, the Journey Student Rewards from Capital One may not be the best choice for you. But if you’re looking for a simple, no-annual-fee card that can help you build your credit and eventually qualify for better terms, this card delivers – espe...
- Nathan Hamilton, The AscentThis card amps up the value that other student credit cards lack. The fact that the offer cuts your out-of-pocket costs with no annual fee, while still offering cash back, makes it a leading student card.
- Curtis Arnold, CardRatings.comIn addition to the 1 percent cash back common among many of today's best cash-back rewards cards, Journey Student Rewards will boost your cash back to a total of 1.25-percent each month for cardholders who pay their bills on time.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
26.99% This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
26.99% This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.99% 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 |
$38.00 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 |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Critic Reviews
Great features to teach good credit management
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.
Read full reviewWith 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.
Read full review
A great student credit card to get started
Appeals to students who like low fees and flexible cash back rewards on general spending. It’s not ideal for students who want rewards they can redeem for merchandise or travel, nor for students with very poor credit.
Appeals to students who like low fees and flexible cash back rewards on general spending. It’s not ideal for students who want rewards they can redeem for merchandise or travel, nor for students with very poor credit.
Build credit the simple way
If you’re looking for a lot of rewards or low interest rates, the Journey Student Rewards from Capital One may not be the best choice for you. But if you’re looking for a simple, no-annual-fee card that can help you build your credit and eventually qualify for better terms, this card delivers – especially if you pay on time.
Read full reviewIf you’re looking for a lot of rewards or low interest rates, the Journey Student Rewards from Capital One may not be the best choice for you. But if you’re looking for a simple, no-annual-fee card that can help you build your credit and eventually qualify for better terms, this card delivers – especially if you pay on time.
Read full review
Rewards those debt savvy behaviors
This card amps up the value that other student credit cards lack. The fact that the offer cuts your out-of-pocket costs with no annual fee, while still offering cash back, makes it a leading student card.
This card amps up the value that other student credit cards lack. The fact that the offer cuts your out-of-pocket costs with no annual fee, while still offering cash back, makes it a leading student card.
One of the best student cash-back credit cards you'll find
In addition to the 1 percent cash back common among many of today's best cash-back rewards cards, Journey Student Rewards will boost your cash back to a total of 1.25-percent each month for cardholders who pay their bills on time.
Read full reviewIn addition to the 1 percent cash back common among many of today's best cash-back rewards cards, Journey Student Rewards will boost your cash back to a total of 1.25-percent each month for cardholders who pay their bills on time.
Read full review
A great student credit card
The Journey® Student Rewards from Capital One® card can help you build your credit, with access to higher credit line once you make the first 5 monthly payments on time. You can earn 1.25% cash back on purchases when you pay on time, but watch out for the high 19.99% - 26.99% variable APR on purchases.
The Journey® Student Rewards from Capital One® card can help you build your credit, with access to higher credit line once you make the first 5 monthly payments on time. You can earn 1.25% cash back on purchases when you pay on time, but watch out for the high 19.99% - 26.99% variable APR on purchases.
A good card offer for young students
A decent choice for students who are new to credit. It doesn’t offer the highest rewards out of the student credit cards, but it’s not a bad option if you can’t get approved for a more rewarding card.
A decent choice for students who are new to credit. It doesn’t offer the highest rewards out of the student credit cards, but it’s not a bad option if you can’t get approved for a more rewarding card.
Start off your credit history right
Best for college students who have average credit and are diligent in paying balances in full each month. It is also best for those whose purchases vary from month to month because of the flat rate of rewards you earn from all purchases made with the card.
Best for college students who have average credit and are diligent in paying balances in full each month. It is also best for those whose purchases vary from month to month because of the flat rate of rewards you earn from all purchases made with the card.
Learn good financial habits and establish a solid credit history
The Capital One Student Credit Card is a viable option to help build your credit as a student. However, it is more difficult to obtain it since the CARD Act passed in 2010. So if you’re not able to get this card, a secured card or authorized user status are options.
The Capital One Student Credit Card is a viable option to help build your credit as a student. However, it is more difficult to obtain it since the CARD Act passed in 2010. So if you’re not able to get this card, a secured card or authorized user status are options.
Offers rewards and tools that can reward you for responsible spending
Featuring low fees, a standard cash back reward and tools that can help you build credit, the Journey Student Card is perfect for young adults under 22 years old.
Featuring low fees, a standard cash back reward and tools that can help you build credit, the Journey Student Card is perfect for young adults under 22 years old.