Journey Student Rewards Card From Capital One - Should You Get It?

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Poor 500-599
Fair 600-699
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Our Bottom Line:

The Journey Student Rewards from Capital One is a great student rewards credit card focused on making on-time payments. One benefit of paying on time is a boost from 1% cash back to 1.25% cash back another is that Capital One will automatically review your credit limit in as little as six months.

Intro APR Purchases N/A
Intro Term Purchases N/A
Intro APR Balance Transfers N/A
Intro Term Balance Transfers N/A
Regular APR 26.99% (Variable)
Annual Fee $0
  • 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
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Pick the monthly due date that works best for you
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Check out the Journey Student Rewards From Capital One, an excellent choice for anyone looking to build or rebuild credit from scratch. With no annual fee, a rewards program, and other benefits, it’s a great value for your money.

Getting a line of credit is hard for people without much credit history or no credit whatsoever. This is most particularly true in the case of students who are too young to have had time to build up their own credit.

If that’s your situation, the Journey Student Rewards from Capital One credit card is an obvious solution.

With no annual fee, good benefits, and a refreshing rewards points program, the Journey Student Rewards From Capital One is helping students and others with low or no credit get their foot in the door.

Wondering if you should apply for the Journey Student Rewards From Capital One but don’t know much about it? Here is an in-depth review of this credit card to help you decide if this is the right credit card for you.

Best for

  • Students with little to no credit history
  • Anyone who doesn’t want to pay an annual fee
  • People looking for a decent line of credit without much history to show for themselves

Journey Student Rewards Card Overview

The Journey Student Rewards From Capital One has a lot going for it. Low or no fees, helpful customer support, and a juicy rewards program all add up to a lucrative offer for anyone who needs help getting started in the world of credit building through responsible credit card use.

The Journey Student Rewards From Capital One also comes with several benefits and smart spending perks.

On the downside, the card doesn’t have any welcome bonus, but there aren’t too many credit-building cards that do offer such frills.

Read on to see what else the Journey Student Rewards From Capital One credit card has on offer.

Journey Student Rewards From Capital One Key Features

  • Increased earn rates for timely payments
  • $0 annual fee
  • No foreign transaction fee
  • Fraud coverage
  • Account management

Taking a Closer Look at the Journey Student Rewards From Capital One

By now you should have all the information you need to know if this is the right card for you. But for the brave few who want to know every little detail of the card, read on.

No Annual Fee

To begin with, there’s no annual fee. That means students who are working with a limited income, can have the convenience of a credit card without the pressure of paying an annual fee (in case they don’t use it in the end).

Additionally, the Journey Student Rewards From Capital One provides students with a way to open a line of credit without having to put down any collateral like the secured credit card options out there.

Credit Access

In short, the Journey Student Rewards From Capital One credit card offers students a way to access credit without the limitations that cards like the Capital One Platinum Secured Credit Card do.

After six months, Capital One will automatically review your account for a potential credit limit increase.

Bonus Rewards

The bonus rewards structure is also a major added benefit to the Journey Student Rewards From Capital One credit card. Most student credit cards don’t offer any rewards program, so anything Capital One offers is already a big step up. The Journey Student Rewards From Capital One earns you one percent on every dollar spent with the card, not bad for a beginner’s card.

Additionally, for every month that you pay on time, you’ll receive an additional 0.25 percent cash back. So, assuming you are on time with your payments (something that’s really easy to do if you set up autopay or payment alerts), you can earn 1.25 percent back on every dollar you spend on your Journey Student Rewards From Capital One. Once again, that’s incredibly generous considering the fact that most student cards don’t offer anything back.

Rewards never expire for the entire lifetime of your account as well, and there’s no cap on how much cash back you can earn. Point redemption is also fairly straightforward with the Journey Student Rewards From Capital One. You can get your cash back as a statement credit or check. You can also use it against purchases you’ve already made or to get gift cards. Cash back redemption can be done online or over the phone. Capital One earned cash back for such flexible and easy redemption policies.

Account Management

Account management is really easy with the Journey Student Rewards From Capital One, with smart alerts that we’ll discuss below, personalized payment schedule and methods, and track authorized users. You can also set up autopay for instant payments, so you never miss a payment and get penalized for it. Easy account management is a big plus for students who are new to the world of credit.

Journey Student Rewards From Capital One Rates & Fees

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The Journey Student Rewards From Capital One has a pretty straightforward fee structure. There is no annual fee, so the card is free to keep in your pocket. Additionally, you’ll not be charged any foreign transaction fees. This is a big perk for anyone who travels or frequently purchases products online from a foreign company.

The APR for new purchases, cash advances, and balance transfers is the same, 26.99% (Variable).

Cash advances accrue a three percent or $10 transaction fee. The one thing we don’t like about this card is that the Journey Student Rewards From Capital One charges up to $40 for late payments. In truth though, this is a fair charge considering any credit card holder should be making timely payments in order to build their credit through responsible credit card use.

Journey Student Rewards From Capital One Rewards & Benefits

In addition to the rewards program and the other benefits we mentioned previously, the Journey Student Rewards From Capital One credit card offers several other great perks. Let’s take a close look.

Mobile Banking

The Journey Student Rewards From Capital One comes with a snazzy mobile app that is full of convenient features like instant purchase notifications, mobile bill payment options, and mobile deposits (so you can deposit a check by just taking a picture of it with your phone).

The coolest feature of Journey Student Rewards from Capital One’s mobile app though is Eno, the mobile assistant that makes banking a cinch. Eno is a program that lets you text questions about your Journey Student Rewards From Capital One and receive an SMS with the answer instantly. So, you can ask things like recent transactions, account balance, or what’s my available credit, and get the answer on the spot.

Alerts

The Journey Student Rewards From Capital One lets you receive and customize your security alerts. You can opt to get alerts via text message or email. You can also decide when to be notified by checking off certain activities that should be flagged including overseas purchases, excessive purchasing, or unusual spending action. You’ll even be able to get basic reminders for payment dates to help you stay on top of your account.

Customer Support

The Journey Student Rewards From Capital One has an extensive customer support department, and everything is carefully delegated, so you reach the exact department you need. Capital One has a separate department for personal or business credit cards, and even a dedicated department that exclusively deals with fraud and abuse. You can reach customer support by phone, email, or snail mail, and you can also connect to them via their social media channels including Facebook, Twitter, and LinkedIn.

Phone: 1-877-383-4802

Twitter: @AskCapitalOne

Pros & Cons

Pros

  • Valuable Rewards on All Purchases — Earn 1% cash back on all purchases with no limits.
  • Designed Just for Students — Students can qualify with little or no credit history.
  • Extra Rewards for Responsible Use — Earn additional 0.25% cash back when you make your payments on time.

Cons

  • Costly Interest Charges — This card has a high standard interest rate.
  • Small Credit Limit — You will likely receive a low initial line of credit.

How Does the Journey Student Rewards from Capital One Compare with Other Credit Cards?

The Journey Student Rewards From Capital One isn’t the only student card that earns you rewards while you spend. Here’s a look at another card to consider.

 Journey Student Rewards From Capital OneChase Freedom® Student credit card
Intro offerN/A$50 for making a purchase within the first three months of having your card
Ongoing annual bonusesN/A$20 per year for accounts in good standing (up to five years)
Cash back1% on every dollar spent; 0.25% additional cash back each month you pay on time1% on every dollar spent
Credit level600+No credit history required
APR 26.99% (Variable)15.74% Variable
Annual fee$0$0

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Like the Journey Student Rewards From Capital One, the Chase Freedom® Student credit card offers 1% cash back for every dollar you spend on purchases. You’ll also get a $50 cash back bonus, as long as you make a purchase within three months of opening your account. Plus, you’ll get a $20 “Good Standing” purchase every year for the first five years.

Although both cards offer a variable interest rate, the Chase Freedom® Student credit card’s APR is only 15.74% Variable. You also can apply for a Chase Freedom® Student credit card and get accepted even if you have no credit history. If you’re still working on building your credit score, the Chase Freedom® Student credit card will likely be a better option for you.

Is the Journey Student Rewards Credit Card from Capital One right for you?

The Journey Student Rewards From Capital One comes with a lot of benefits that students can really take advantage of.

The $0 annual fee is already a good start, and then Capital One throws in the benefits to boot.

The Journey Student Rewards From Capital One rewards program is a major plus considering the category it’s in, and the easy redemption policy gives the Journey even more bragging rights.

With good customer service, a great mobile app, and no foreign transaction fees, the Journey Student Rewards From Capital One makes an amazing offer. We highly recommend this card to anyone who is trying to build their credit through responsible credit card use.

Proceed with the application for the Journey Student Rewards From Capital One

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