Journey® Student Rewards from Capital One®


The Journey® Student Rewards from Capital One® is good for students 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.

Card Quick Facts

Card Quick Facts

  • Earn 1% cash back on all purchases, pay on time and that goes up to 1.25% cash back
  • Higher credit line after making first 5 payments on time
  • No annual fee
  • Made for students with limited or no credit
  • 26.99% APR for purchases and balance transfers
  • No foreign transaction fees

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • Earn 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 26.99% 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 24.99% Variable
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 26.99% 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 5 payments on time in a row.

  • 24/7 Customer Service

    Access to customer service specialists around the clock.

  • Add an Authorized User

    Grant someone you trust the ability to use a card with your account.

  • 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 Second Look℠

    Capital One monitors your account for unusual and duplicate charges.

  • Capital One CreditWise

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

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • Compatible w/ Apple Pay™

    Pay your bills using Apple Pay, a mobile service by Apple that allows you to make payments using certain Apple products.

  • Fraud Protection

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

  • Chip-and-Signature Technology

    This card has EMV technology for added security when making purchases. You can find more information on EMV technology here »

  • Extended Warranty Protection

    Extends a manufacturer’s warranty by up to 1 additional year, for 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.

  • Auto Rental Collision Damage Waiver

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

Visitor Reviews

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