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Journey® Student Credit Card from Capital One® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
26.99% (Variable)
Interest Rate: Purchases
26.99% (Variable)
Balance Transfer
26.99% (Variable)
Balance Transfer
26.99% (Variable)
Rewards
1% cashback
Rewards
1% cashback
Signup Bonus
-
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 30 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...


MoneyGeek
MoneyGeek

The no annual fee Capital One Journey Student Rewards Card is best suited for students who wish to earn cash back and plan to travel overseas. This credit card is targeted towards people in the early stages of building their credit. It reports your payment history to all three major credit bureaus,...

- Brett Holzhauer, MoneyGeek
FinanceBuzz
FinanceBuzz

If you have a limited credit history, 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.

- Sarah Li Cain, FinanceBuzz
MyBankTracker
MyBankTracker

This card offers cash back rewards, along with some useful tools that can help you obtain a good credit rating over time. You have an opportunity to increase your credit line with responsible card use and track your credit score each month for free.

- Rebecca Lake, MyBankTracker
CardRatings.com
CardRatings.com

Should you try out the Journey Student Rewards from Capital One? You won't really be able to switch to Journey Student Rewards unless you're a student. This card is designed for students who are just starting out and might not have much of a credit score. For that reason, you can expect a fairly hig...

- Curtis Arnold, CardRatings.com
NerdWallet
NerdWallet

This card offers simple flat-rate rewards, with a bonus for paying on time. You don’t even have to be a student to apply, so consider it if you have average credit.

- Claire Tsosie, Melissa Lambarena, NerdWallet

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 $40.00

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
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.
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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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