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 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....
- Trevor Wallis, The Simple DollarAn excellent choice for students who want to learn how to be rewarded for using a credit card responsibly. Built for students with limited credit history, it works well to earn a little cash back while you build enough credit to qualify for more rewarding credit cards with better rates.
- CardcruncherA great rewards credit card to help students build credit, but a bit lacking in long-term potential.
- 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
26.74% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
26.74% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.74% (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 great first credit card for some savvy students
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 Journe...More
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. Set up automatic payment for your bill, earn a credit limit increase and prepare to move on to a better rewards card as your credit score rises.
Structured to teach and reward good credit practices
An excellent choice for students who want to learn how to be rewarded for using a credit card responsibly. Built for students with limited credit history, it works well to earn a little cash back while you build enough credit to qualify for more rewarding credit cards with better rates.
An excellent choice for students who want to learn how to be rewarded for using a credit card responsibly. Built for students with limited credit history, it works well to earn a little cash back while you build enough credit to qualify for more rewarding credit cards with better rates.
A solid choice for most students to start building credit
A great rewards credit card to help students build credit, but a bit lacking in long-term potential.
A great rewards credit card to help students build credit, but a bit lacking in long-term potential.
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.
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.