Review of the Capital One® Journey® Student Credit Card

Brendan Harkness

Brendan Harkness | Reviews

Feb 03, 2016 | Updated Aug 05, 2016

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The Capital One® Journey® Student Credit Card is a good card for students with limited or no credit, who want to build up their credit and get cash back for it too.

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.

Capital One® Journey® Student Credit Card

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 20.24% (Variable)
Quick Card Facts
  • Earn 1% cash back for every $1 spent on all purchases. Pay on time and that goes up to 1.25% cash back.

The Rewards

You’ll earn:

  • 1% cash back for every purchase. Pay on time and that goes up to 1.25% cash back.

The Benefits

Check your card’s Guide to Benefits to learn the exact benefits you have, and how to access them.

Perks

  • 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.

  • Account Alerts

    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.

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. Read more about EMV technology »

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.

The Costs & Fees

Annual Fee Regular APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$0 20.24% (Variable) 20.24% (Variable) 20.24% (Variable) 0%
Penalty APR Late Fee Returned Payment Fee
See Terms Up to $35 See Terms

The Bottom Line

All in all, the Capital One® Journey® Student Credit Card is a good choice for students. It doesn’t offer the highest rewards out of the student credit cards, but it’s still a good card overall.

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.

For other student credit cards that offer some great rewards, check out our picks for The Three Best Credit Cards For College Students »
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