Capital One® Journey® Student Credit Card

The Capital One® Journey® Student Credit Card 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.

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Quick View

Quick View

  • Rewards
    • Earn 1% cash back on all purchases
      • Pay on time and that goes up to 1.25% cash back
  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 24.99% Variable
  • Cash Advance APR 24.99% Variable
  • Penalty APR See Terms
  • Late Fee Up to $35
  • Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Higher Credit Line

    Access a higher credit line after making 5 payments on time in a row.

Account Management Tools

  • 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.

Security Benefits

  • 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 »

Shopping Benefits

  • Extended Warranty Protection

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

Travel Benefits

  • 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

Read about experiences others have had with this card and leave your own review here.

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