Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

on Capital One's website

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

on Capital One's 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 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: 26.99% Variable APR

    Cash Advance APR: 26.99%, Variable

  • Balance transfer fee

    $0

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

Capital One Journey Student Rewards Credit Card

Journey® Student Rewards from Capital One®

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

26.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Claire Tsosie

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.