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.
- John S Kiernan, WalletHubThe 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...
- Brendan Harkness, Credit Card InsiderThe 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.
- TJ Porter, CardcruncherThe 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...
- Dawn Allcot, The Points GuyIn 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....
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 |
| 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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