JourneySM Student Rewards from Capital One®

89 Reviews | Write a Review

Offered by: Capital One

1-866-960-8706

Purchase Intro Rate N/A
Purchase Intro Period N/A
Balance Transfer Intro Rate N/A
Balance Transfer Intro Period N/A
Regular APR 19.8%* Variable
Balance Transfer Rate 19.8%* Variable
Cash Advance Rate 24.9%
Annual Fee $0
Late Fee Up to $35
Cash Advance Fee 3%, Min: $10
Balance Transfer Fee $0

JourneySM Student Rewards from Capital One® features:

  • Designed to help students build good credit with responsible use
  • Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
  • Customizable text and e-mail alerts to help keep you on track
  • Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

These savings are calculated using national averages. Log in to see your own savings!

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

 

Year 1

Year 2

Year 3

Balance Transfer Cost info Fees charged by the credit card company to transfer balances. Usually charged as a percent of the balance transfer amount.

$0

$0

$0

Interest Savings on Transferred Balance info Difference between the interest charged on your existing credit card(s) and the interest charged on this card with the same balance.

$0

$0

$0

Interest Savings on New Purchases info Difference between the interest charged for new purchases on your existing credit card(s) and the interest charged on this card.

$1,094

$1,625

$2,350

Value of Rewards on New Purchases info Difference between the rewards (normalized to dollar amounts) from the purchases on your existing credit card(s) and this card.

$456

$456

$456

Value of Bonus Points info Bonuses provided by the card for either application or usage. Bonus in the form of either miles or points are converted to dollar amounts.

$0

$0

$0

Annual & Application Fees info Sum of the fixed fees associated with the card. The fees are charged regardless of card usage.

$0

$0

$0
 
Savings:
Total Annual Savings

$1,550

$2,081

$2,806
Total Savings over 3 Years

$6,437

*Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers.

Reviews

Most Recent Reviews

Credit Score of 641.  No other credit cards but own home and make almost $40,000.  Approved for credit limit of $2,000 instantly.  Had a Capital One about 4 years ago that I stopped making payments.  It closed, went to collections, then paid it off.  No credit cards since but credit has also been flawless since.

Anonymous 1 week ago

It's a good first card to have. I didn't have any credit when I applied for this card. I still applied for the Citi student card and got denied. However, when I applied for this card, I received an instant approval. I did find it kind of weird that you could have entered a different profession other than student on the application, but that's beside the point I guess. I had a credit line of $500 back in October 2011. Now it's at $750 with 7 on-time payments. Only complaint is the high APR, which is why I'm considering another credit card right now.

ARTS101 2 weeks ago

 Just applied for the Journey card through Capital One. Could not be happier. I have a CK score of 646, which I had rebuilt from around 550s two years ago. My credit limit is $2000 and was approved in approximately 60 sec. APR is 19.8%, but I plan to pay everything on time. This is my first unsecured credit card in the last four years and I'm glad to see that I'm on the road to credit recovery. Would definitely recommend the card.

Itypewithtoe 3 weeks ago

ck score of 648 and i got denied. not sure of the reasons yet. oh well, my husband just got a card so i guess we'll just add me to that one for now

Anonymous 1 month ago

low Credit limit, 300。。 and spend half a year to increase the line into 500. Ridiculous!

TInry 1 month ago

See all 89 Reviews of JourneySM Student Rewards from Capital One®

Write a review of JourneySM Student Rewards from Capital One®

Credit Score Approval Data

Ideal for those with Poor Credit:

617

AVERAGE Credit Score Approved for this Card

502

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.

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