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

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.