Journey Student Rewards from Capital One Review

By Thomas Donaldson

Journey Student Rewards from Capital One

(46 reviews)

  • 1% Cash Back on all purchases, 0.25% Cash Back bonus on the cash back you earn each month you pay on time
  • Pay no annual fee and no foreign transaction fees
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0
  • Average, Fair, Limited
Product Details
  • Click "APPLY NOW" to apply online
  • 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
  • Pick the monthly due date that works best for you
  • 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
  • Monitor your credit profile with the CreditWise® app, free for everyone

Our Expert Review

Why We Like It


Offer Rating

4.5/ 5

By Our Editorial Team

Key Benefit

With cash back, no annual fee, and extra credit building tools, this card was clearly designed with students in mind.

Editor

Starting to build credit when you are in college or grad school is an excellent idea. That way, when you graduate and have a job, you already have a solid credit history under your belt and don't have to start from scratch. For students looking to get started on their credit journey, the Journey Student Rewards from Capital One could be the perfect credit card for you.

This credit card is designed students and offers many perks and rewards to help you get started on the right foot. For starters, you will earn 1% cash back on all your purchases. But when you pay on time you will boost your cash back to a total of 1.25% for that month. It pays to form good habits!

Planning on studying abroad? There are no foreign transaction fees to worry about with the Journey Student Rewards from Capital One, and there's no annual fee either. This card even comes with extra tools and resources to keep you informed on your credit building progress like the ability to monitor your credit profile for free with the CreditWise® app and you'll be automatically considered for a higher credit line in as little as 6 months.

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Pros & Cons

Pros

  • The cash back program rewards you for forming good credit habits
  • No foreign transaction fees makes this a great choice for traveling abroad
  • Be automatically considered for a higher credit line in as little as 6 months

Cons

  • The APR of 26.99% (Variable) is relatively high, but that's normal for first-time credit cards

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