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...
- Dawn Papandrea, The BalanceThe Journey® Student Credit Card from Capital One® is designed to help college students who are new credit users establish good habits—and earn “extra credit” (aka, rewards) for being smart swipers. You don’t even have to be a student to qualify. If you have a limited credit history and want a simpl...
- Nina Semczuk, SmartAssetThe Journey® Student Rewards from Capital One® is a great option for a first card to help build your credit. It offers simple, easy-to-remember features that benefit the user. Cash back is a flat 1% per purchase, and the APR stays the same between purchases, balance transfers and cash advances.
- Compare CardsThe 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...
- Anthony Nguyen, Hustler MoneyBlogCapital 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 MoneyBlogCapital 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...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
26.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
26.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.49% (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 |
$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
A pathway for building credit
The Journey® Student Credit Card from Capital One® is designed to help college students who are new credit users establish good habits—and earn “extra credit” (aka, rewards) for being smart swipers. You don’t even have to be a student to qualify. If you have a limited credit history and...More
The Journey® Student Credit Card from Capital One® is designed to help college students who are new credit users establish good habits—and earn “extra credit” (aka, rewards) for being smart swipers. You don’t even have to be a student to qualify. If you have a limited credit history and want a simple, no-annual-fee entry into the world of credit with flat-rate rewards, this could be a good option for you.
A simple card for new credit users
The Journey® Student Rewards from Capital One® is a great option for a first card to help build your credit. It offers simple, easy-to-remember features that benefit the user. Cash back is a flat 1% per purchase, and the APR stays the same between purchases, balance transfers and cash advances.
The Journey® Student Rewards from Capital One® is a great option for a first card to help build your credit. It offers simple, easy-to-remember features that benefit the user. Cash back is a flat 1% per purchase, and the APR stays the same between purchases, balance transfers and cash advances.
A reliable student-oriented credit card with a solid rewards program
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...More
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
Well suited for students with average credit
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.
Well suited for students with average credit
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.
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.
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.
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.
A great option for students
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.
A great start for students and non-students
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.
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.
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