Journey® Student Rewards from Capital One®


The Journey® Student Rewards from Capital One® is good for students (or anyone else) with limited or average credit who want to build credit and get rewarded for it.

This card is actually available to anyone, whether you’re a student or not. It’s a solid option to build or improve your credit, while earning a bit of cash back too.

You’ll earn 1% cash back for every purchase, but that goes up to 1.25% cash back if you pay your bills on time (which you should always do, of course, whether you get rewarded for it or not).

If you make your first five monthly payments on time you’ll be granted a higher credit line, a useful feature on a card like this where your credit line is likely to be on the small side.

There are no foreign transaction or annual fees for this card.

Card Quick Facts

Card Quick Facts

  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 1% cash back on all purchases
    • Pay on time and that goes up to 1.25% cash back
How to Redeem
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 26.96% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit $300
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 26.96% Variable
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 26.96% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Higher Credit Line

    Access a higher credit line after making your first 5 payments on time.

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile & Tablet Apps

    Manage your account from your phone or tablet.

  • Capital One Wallet℠

    Provides charge notifications, account balances, available credit, and rewards earnings.

  • Capital One CreditWise

    Free access to your VantageScore 3.0 credit score from TransUnion. And with the Credit Simulator, you can see how different actions affect your credit score.

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Virtual Card Numbers from Eno

    Pay for online purchases with virtual card numbers and keep your actual card number to yourself.

  • Card Lock

    If you misplace your credit card, you can instantly lock it and turn it back on again when you’re ready, right in the Capital One mobile app.

  • Capital One Second Look℠

    Capital One monitors your account for unusual and duplicate charges.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty by up to 1 additional year, for eligible warranties of 3 years or less.

  • Travel and Emergency Assistance

    Provides help with travel emergencies, including emergency card replacement, cash advances, and more.

  • Travel Accident Insurance

    Covers you and your family in case of physical accidents while traveling when traveling by common carrier.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for eligible rental cars, as long as the car rental company’s own insurance is declined.

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