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
1.00%
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: 26.96% Variable APR
Cash Advance APR: 26.96%, Variable
Balance transfer fee
$0
Foreign transaction fee
None
Recommended credit score
NerdWallet review
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.
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