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

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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 peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges

  • Enjoy no annual fee, foreign transaction fees, or hidden fees

  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen

  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card

  • Pick the monthly due date that works best for you

  • Pay for Amazon.com purchases using your Capital One rewards

  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself

  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account

  • Build your credit with responsible card use

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-5%

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    APR: 26.99% Variable APR

    Cash Advance APR: 26.99%, Variable

  • Balance transfer fee

    $0 at this Transfer APR

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

26.99% Variable APR

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Claire Tsosie

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.7

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Qualify with average credit

  • Reports to the three major credit bureaus

  • No foreign transaction fees

  • Earns rewards

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, 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.