Journey® Student Credit Card from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
26.99%
Balance Transfer
26.99%
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 23 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...


Hustler MoneyBlog

Capital One has created the Journey® Student Rewards from Capital One® with students in mind. Build credit and manage your transactions with your very own student credit card. Not only is this a great starter card, for building credit, it also offers 1.25% cashback on all purchases with no annual fe...

- Anthony Nguyen, Hustler MoneyBlog
Hustler MoneyBlog

Capital One has created the Journey® Student Rewards from Capital One® with students in mind. Build credit and manage your transactions with your very own student credit card. Not only is this a great starter card, for building credit, it also offers 1.25% cashback on all purchases with no annual fe...

- Anthony Nguyen, Hustler MoneyBlog
Cardcruncher

Unlike many student credit cards, Capital One's Journey Student Reward Card offers cash back rewards. That lets young people with no or low credit build their credit and earn some cash in the process. The card's other perks include an automatic credit limit increase after five on time payments, and...

- Cardcruncher
NextAdvisor

Journey® Student Rewards from Capital One® makes for a good starter card with its uncapped cash back rewards, bonus for paying on time, tools and perks, as well as its lack of fees.

- NextAdvisor
LendEDU

If your primary goal is building credit and you don’t mind a less generous rewards program, the Capital One Journey Student card is a decent option. The increased credit limit and bonus cash back provide a good incentive to help you make all payments by their due date, while CreditWise gives you add...

- Christy Rakoczy, LendEDU

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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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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Critic Reviews


Hustler MoneyBlog

Well suited for students with average credit

from Hustler MoneyBlog

Capital One has created the Journey® Student Rewards from Capital One® with students in mind. Build credit and manage your transactions with your very own student credit card. Not only is this a great starter card, for building credit, it also offers 1.25% cashback on all purchases with no annu...More

Capital One has created the Journey® Student Rewards from Capital One® with students in mind. Build credit and manage your transactions with your very own student credit card. Not only is this a great starter card, for building credit, it also offers 1.25% cashback on all purchases with no annual fee! Overall, this is a great student card for those who have limited or average credit! Sign up today if this is the card for you.

Read full review

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Hustler MoneyBlog

Well suited for students with average credit

from Hustler MoneyBlog

Capital One has created the Journey® Student Rewards from Capital One® with students in mind. Build credit and manage your transactions with your very own student credit card. Not only is this a great starter card, for building credit, it also offers 1.25% cashback on all purchases with no annu...More

Capital One has created the Journey® Student Rewards from Capital One® with students in mind. Build credit and manage your transactions with your very own student credit card. Not only is this a great starter card, for building credit, it also offers 1.25% cashback on all purchases with no annual fee! Overall, this is a great student card for those who have limited or average credit! Sign up today if this is the card for you.

Read full review

Less

Cardcruncher

A great rewards credit card to help students build credit

Unlike many student credit cards, Capital One's Journey Student Reward Card offers cash back rewards. That lets young people with no or low credit build their credit and earn some cash in the process. The card's other perks include an automatic credit limit increase after five on time payments,...More

Unlike many student credit cards, Capital One's Journey Student Reward Card offers cash back rewards. That lets young people with no or low credit build their credit and earn some cash in the process. The card's other perks include an automatic credit limit increase after five on time payments, and the ability to track your credit score. 

Read full review

Less

NextAdvisor

Great choice for students

Journey® Student Rewards from Capital One® makes for a good starter card with its uncapped cash back rewards, bonus for paying on time, tools and perks, as well as its lack of fees.

Read full review

Journey® Student Rewards from Capital One® makes for a good starter card with its uncapped cash back rewards, bonus for paying on time, tools and perks, as well as its lack of fees.

Read full review

Less

LendEDU

A great option for students

from LendEDU

If your primary goal is building credit and you don’t mind a less generous rewards program, the Capital One Journey Student card is a decent option. The increased credit limit and bonus cash back provide a good incentive to help you make all payments by their due date, while CreditWise gives yo...More

If your primary goal is building credit and you don’t mind a less generous rewards program, the Capital One Journey Student card is a decent option. The increased credit limit and bonus cash back provide a good incentive to help you make all payments by their due date, while CreditWise gives you additional tools for improving your credit score.

Read full review

Less

Cardcruncher

A great start for students and non-students

from 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 reap you better rewards.

Read full review

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 reap you better rewards.

Read full review

Less

CreditCards.com

Great features to teach good credit management

from 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.

Read full review

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 review

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Money Crashers

A great student credit card to get started

from Money Crashers

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.

Read full review

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.

Read full review

Less

NerdWallet

Build credit the simple way

from NerdWallet

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 review

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 review

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The Ascent

Rewards those debt savvy behaviors

from The Ascent

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.

Read full review

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.

Read full review

Less

User Reviews


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