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
Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
Enjoy no annual fee and no foreign transaction fees
You can help build your credit with responsible use of a card like this
Pick the monthly due date that works best for you
Be automatically considered for a higher credit line in as little as 6 months
$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
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
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR26.99% Variable APR | Regular APR26.99% Variable APR | |
Intro APRN/A | Intro APRN/A | Intro APR10.99% intro APR on Balance Transfers for 6 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
Rating details
4.1
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.
