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Journey® Student Rewards from Capital One®

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Our rating
Credit range: No Credit
Annual Fee: $0
Regular APR: 26.99% (Variable)

Journey® Student Rewards from Capital One®

Our rating
No Credit Credit range
$0 Annual Fee
How To Apply 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
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.