Journey® Student Rewards from Capital One®

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  • 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
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
20.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
20.24%*
Variable

Details, Rates & Fees

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* 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 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 20.24%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $35
Penalty APR None
Balance Transfer Fee $0
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

All Purchases

1% cash back per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Great Building/Rebuilding card!
by Anonymous
Helpful to 1530 out of 1656

I applied for this card about 9 months ago and received an instant approval for $500 limit.  I had no established credit and was a huge risk to lenders, but CapOne have me a chance.  I've earned a ton of rewards just for using it as I would my debit card, and I always PIF on all my cards.  I am now at a happy 715 CS with other major cards, but I still highly recommend this card over any other building/rebuilding card! The only negative is that as of now, my limit is only $750, I have 3 cards with limits above $2,500, but I've never approached closer than 35% of my limits ever. All in all it is a great first card! 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
nothappyonebit
Approval Odds "good" yeah right!
by nothappyonebit
Helpful to 825 out of 932

I am more upset with Credit Karma than the actual card. It pulled a hard inquiry damaging my credit score. With the approval odds being "good", I applied like an idiot. So in a few days I get to read why I was declined. Why not tell someone that their chances are complete crap instead of causing their credit score to drop?


Our Take

Journey® Student Rewards from Capital One® can help young consumers build credit and earn rewards.

What to Like

Cardholders earn 1% cash back on all purchases, plus a 25% bonus on earned cash back each month that the bill is paid on time. These rewards never expire, and there’s no annual or foreign transaction fees. Capital One® also provides email and text alerts and tools to help you learn about your credit.

Look Out For

Cash back is great! Just make sure to always stay within your budget when racking up those rewards. Based on your credit profile, you may also start off with a credit limit as low as $300, so it's important to watch your credit utilization.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2016 through August 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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