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Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

 

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Your Rating:

3.8/5.0 from 31 Offer Ratings
Over the Past 60 Days!

(31) Over the Past 60 Days!

  • Regular Purchase APR 24.99% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed

    Average/Fair/Limited

  • Card Brand Visa®

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee $0

Cash Advance Fee 3% of the amount of the cash advance, but not less than $10

Penalty APR None

Ongoing Information

Rewards Rate 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time

Annual Fee $0

Expert Reviews

From the CompareCards.com Editorial Team

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.

There is no annual membership fee and cardholders get cash back on all purchases. Accumulated rewards won't expire for the life of the account, and there is no limit to the amount of cashback you can earn. The earned cash can be redeemed by check, or as a credit deposited to your account, with the option for automatic redemptions. 

Many students don’t realize how quickly they can spoil their credit – while others also understand that it's also possible to rapidly improve your credit. Since credit history is a journey that starts early in life, this is a good card choice, supported by the kind of innovative online tools and technologies for which Capital One is famous for.

Expert Reviews of the Journey® Student Rewards from Capital One®

  • 3.0

    Regular APR

  • 3.0

    Intro APR

  • 3.0

    Fees

  • 3.0

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

This is a reliable student-oriented credit card with a solid rewards program that pays cash back and also gives bonuses to cardholders who pay their bills on time. Capital One also offers account management tools to help first-time credit card owners.

The Good

There are easy ways to earn cash back rewards. There is no limit on the cash back you earn and rewards won't expire for the life of the account. There is also no annual fee and a nice bonus if you pay your bills on time.

The Not so Good

The on-going APR for this card is 24.99% (Variable), which isn't a great interest rate; however, those who pay their bill in full each month won't be affected by this rate.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

Consumer Reviews

  • star rating mask

Offer Rating

3.8/5.0

31 Total Ratings

5 Star
 
 
(6)
4 Star
 
 
(15)
3 Star
 
 
(8)
2 Star
 
 
(2)
1 Star
 
 
(0)

Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+26 users submitted a rating without a full review

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104 Found this review helpful

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By: | Oct 8, 2014

I love the cash back and the credit tracker

108 Found this review helpful

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By: | Oct 7, 2014

I have this card and absolutely love the 1% cash back on all purchases. It is a great extra card to have and it's also perfect for a first time credit card. Capital One's customer service is superb. I once accidentally made two payments on one card instead of one payment on both of my cards. They remedied the situation perfectly, quickly and cheerfully. There are no hidden fees and they increase your limits easily if you make payments on time. Definitely recommend.

107 Found this review helpful

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By: | Oct 7, 2014

love the journey card and earning cash back. It's our 2nd capital one card

105 Found this review helpful

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By: | Sep 22, 2014

This is what i would recommend to ANYONE looking to get their first credit card!!!! This was easy for me to get and easy to understand the capital one chat has always answered every question i have asked them honestly and in full detail. Again, GREAT FIRST CARD TO BUILD CREDIT!

103 Found this review helpful

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By: | Sep 22, 2014

This is the perfect card for students, as you may have limited earnings this stage and need to build the credit, this can the the perfect choice. Approved within a minute. Good customer support and good benefits.

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