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Journey® Student Rewards from Capital One®

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The Journey Student Rewards offers a way to either start building credit or get back on track if you’ve strayed a bit — and earn a little something while doing so. You’ll get 1% cash back on all purchases, boosted to 1.25% when you pay your bills on time. And though it’s branded as a student card, it’s actually available to everyone.

The information related to Journey® Student Rewards from Capital One® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 26.99% Variable

Journey® Student Rewards from Capital One®

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

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

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 26.99% Variable
Balance Transfer Fee $0
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.99% Variable
Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card
Journey® Student Rewards from Capital One®

Highlights

  • 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 Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone
ABOUT THE ISSUER

Capital One

Capital One has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-227-4825 or

Try a different phone number
See all Issuer Cards

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.