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You’ll earn 1% cash back on every purchase, which will turn into 1.25% when you pay your bills on time. You can also get a credit line increase if you make your first 5 monthly payments on time.
This card comes with Visa and Capital One benefits, which make traveling and shopping safer and more convenient. Read on to learn if it might be a good card for you.
- 1% cash back for every purchase. Pay on time and that goes up to 1.25% cash back.
Check your card’s Guide to Benefits to learn the exact benefits you have, and how to access them.
Higher Credit Line
Access a higher credit line (credit limit) 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.
Get alerts about account information on your phone.
Capital One Wallet℠
An app 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 Credit Wise
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.
You will not be held responsible for unauthorized use of your card.
This card has EMV technology for added security when making purchases. Read more about EMV technology »
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.
The Costs & Fees
|Annual Fee||Regular APR||Regular Balance Transfer APR||Cash Advance APR||Foreign Transaction Fee|
|$0||24.99% Variable||24.99% Variable||24.99% Variable||0%|
|Penalty APR||Late Fee||Returned Payment Fee|
|See Terms||Up to $35||See Terms|
The Bottom Line
With it, you have the chance to build credit while earning cash back rewards at no annual fee. That’s a pretty awesome deal.
But take note of the high APR you’ll have to pay if you revolve a balance from month to month. You’ll need to pay off your balance in full each month if you want to avoid it. As long as you do this and use your card responsibly, you won’t have much to worry about.
The account management services are a pretty handy addition too. Remembering how much you spent and how many rewards you earned can be tough, so it’s nice to have some financial tools to help you out. This is especially helpful for young adults who are learning to manage their own finances.
Be sure to take advantage of the educational resources Capital One offers to learn more about credit. This is a nice feature that few credit cards come with, and it can help you use this card and others responsibly and profitably.
Do you have the Capital One Journey Student Credit Card? How do you like it? Leave your own review for other visitors.