Capital One Student Journey Rewards Review | NerdWallet
Advertiser Disclosure

Journey® Student Rewards from Capital One®

Apply Nowon Capital One’s secure website.
Apply Nowon Capital One’s secure website.

Journey® Student Rewards from Capital One®

Apply Nowon Capital One’s secure website.
Apply Nowon Capital One’s secure website.

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
  • 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

APR, Variable

APR: 20.24% (Variable)

Cash Advance APR: 20.24%, Variable

Pros

  • Qualify with average credit
  • High rewards rate
  • No annual fee
  • No foreign transaction fee

Cons

  • High APR

Rewards rate

1.25%

Annual fee

$0

Intro APR

N/A

Nerdwallet Review

Author: Claire Tsosie

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.

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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