Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

on Capital One's secure website

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

on 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

  • Enjoy no annual fee and no foreign transaction fees

  • Get a head start and build your credit with responsible use

  • Get access to a higher credit line after making your first 5 monthly payments on time

  • Monitor your credit profile with the CreditWise® app, free for everyone

  • $0 fraud liability if your card is ever lost or stolen

  • Pick the monthly due date that works best for you

  • Get customized alerts and manage your account with the Capital One mobile app

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus offer

    Get access to a higher credit line after making your first 5 monthly payments on time

  • Intro APR

    N/A

  • Ongoing Apr

    APR: 24.99% Variable APR

    Cash Advance APR: 24.99%, Variable

  • Balance Transfer Fee

    None

  • Foreign Transaction Fee

    None

Recommended credit score

NerdWallet Review

By Claire Tsosie

Rating Details

4

Editor's overall rating

Pros and Cons

Pros
  • Qualify with average credit

  • No annual fee

  • No foreign transaction fee

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 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.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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