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Journey® Student Credit Card from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
26.99% (Variable)
Balance Transfer
26.99% (Variable)
1% cashback
Signup Bonus

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 28 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...


If you’re a student who wants to build your credit — and earn rewards while doing so — the Journey Student Rewards Card could be a great choice. It comes with a $0 annual fee, plus you earn 1% cash back on all purchases and 1.25% cash back each month you make an on-time monthly payment. That extra i...

- Sarah Li Cain, FinanceBuzz

Capital One Journey Student Rewards offers plenty of value for students looking to build credit and establish good credit habits while in school. Enjoy the cash back rewards you’ll earn, but also take advantage of this card as a tool to build credit you’ll benefit from later in life. Only charge wha...

- Holly Johnson, NextAdvisor

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.

- Nina Semczuk, SmartAsset

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.

- Robin Ratcliff,

The 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...

- John S Kiernan, WalletHub


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 $40.00


Sign up bonus No
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
Additional Benefits
  • Roadside Assistance
  • Premier Culinary Experiences
  • Big-Time Sports Events
  • Must-See Music Events
  • 24-Hour Travel Assistance Services
  • Earn $5 per month for 12 months on select streaming subscriptions when you pay on time. Exclusions Apply.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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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