Journey Student Rewards from Capital One
on Capital One's website
Journey Student Rewards from Capital One
Card details
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
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Pick the monthly due date that works best for you
Pay for Amazon.com purchases using your Capital One rewards
Pay for online purchases with virtual card numbers and keep your actual card number to yourself
Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
Build your credit with responsible card use
Rates, fees & offers
Annual fee
$0
Rewards rate
1%-5%
Bonus offer
None
Intro APR
N/A
Ongoing APR
APR: 26.99% Variable APR
Cash Advance APR: 26.99%, Variable
Balance transfer fee
$0 at this Transfer APR
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR26.99% Variable APR | Regular APR16.49%-26.49% Variable APR | |
Intro APRN/A | Intro APRN/A | Intro APR10.99% intro APR on Balance Transfers for 6 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
4.7
Editor's overall rating
Pros and cons
Pros
No annual fee
Qualify with average credit
Reports to the three major credit bureaus
No foreign transaction fees
Earns rewards
Cons
High APR
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, and you can be automatically considered for a credit limit increase in as little as six months.
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.
