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Journey® Student Credit Card from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
29.99% (Variable)
Interest Rate: Purchases
29.99% (Variable)
Balance Transfer
29.99% (Variable)
Balance Transfer
29.99% (Variable)
1% cashback
1% cashback
Signup Bonus
Signup Bonus

Informr score
The Journey® Student Credit Card from Capital One® currently has an Informr score of 8.1 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...

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 a great student rewards credit card focused on making on-time payments. One benefit of paying on time is a boost from 1% cash back to 1.25% cash back. Capital One will also automatically review your credit limit in as little as six months.

- Laura Cook, MoneyUnder30

The no annual fee Journey Student Rewards from Capital One 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 bure...

- Brett Holzhauer, MoneyGeek

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 high APR, so it's important to make sure you pay off the balance each month. Otherwise, if you're looking for a card to build your credit with, the Journey...

- Jennifer Doss,

A Capital One Journey Card in the right hands can work wonders on your credit standing while also leaving you with a bit more money in your pocket. Plus, all you really need to qualify is an active college or university email address and the income or assets necessary to demonstrate your ability to...

- John S Kiernan, WalletHub


Interest Rates
Regular APR Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.99% (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 $3

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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