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 no annual fee and no foreign transaction fees
Get a head start and build your credit with responsible use
Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
Pick the monthly due date that works best for you
Get access to a higher credit line after making your first 5 monthly payments on time
$0 fraud liability if your card is ever lost or stolen
Monitor your credit profile with the CreditWise® app, free for everyone
Rates, fees & offers
Annual fee
$0
Rewards rate
1%-1.25%
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: 26.74% Variable APR
Cash Advance APR: 26.74%, Variable
Balance transfer fee
$0
Foreign transaction fee
None
Recommended credit score
NerdWallet review
Rating details
4.1
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.
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