Capital One Journey Student Rewards Credit Card

Journey® Student Rewards from Capital One®

Card Details

Signing Promotion

Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time-for a total of 1.25% cash back

Reward Rate

1.25%* question

Annual Fee


APR, Variable

APR: 19.8% (Variable)
Cash Advance APR: 19.8%, Variable

Intro APR Promotions

Card Features
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Qualify with average credit
  • High rewards rate
  • No annual fee
  • No foreign transaction fee
  • High APR

NerdWallet Review

Author: Claire Davidson
With the Journey® Student Rewards from Capital One®, you can build credit while earning more rewards for punctual payments. You’ll get 1% cash back on all purchases, with an extra 0.25% for paying on time -- that's 1.25% cash back in total. Keep it up for five months in a row, and you may also get a credit line increase. The Capital One Credit Tracker, an interactive tool you can find on your online portal through the Capital One website, can also help you stay on top of your progress and learn more about how your financial decisions affect your credit.

Designed for those with average credit, the Journey® Student Rewards from Capital One® may not be the best pick if you have a high credit score and more options. But if you’re just getting started, it may be the perfect fit.

For more information, read our full editorial review.

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