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%-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
 Journey® Student Rewards from Capital One® | ||
|---|---|---|
Annual Fee$0 | Annual Fee$0 | Annual Fee$0 |
Regular APR26.99% Variable APR | ||
Intro APRN/A | Intro APR10.99% on Balance Transfers for 6 months | Intro APR0% on Purchases for 6 months and 10.99% 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
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.
