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Recommended credit score
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Editor's overall rating
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.