Journey® Student Rewards from Capital One®

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Cardholders' Choice i
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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 won't expire for the life of the account
  • 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:
24.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
24.99%*
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 24.99%* 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
HTXGreen
first credit card
by HTXGreen
Helpful to 637 out of 667

this was my first time ever applying for a credit card, I had already had an auto loan through my credit union for 2 years. I got approved for the card in 12 hours, received my card and activated it within 10 business days. i received a 300$ limit to start so after a few months of only using it for gas and paying it off before the due date, my credit jumped from 650-680 !!!

after 5 months my score was a 695, i then opened another card with a $1000 limit and now have a 709 score and still going up monthly :)

i am always very frugal with utilizing credit, i don't get these cards to spend money, i only get them to build my credit score, lesson to all DONT SPEND MONEY YOU DONT HAVE. 

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
Anonymous
Odd Business Pratices
by Anonymous
Helpful to 692 out of 759

I am actively trying to improve my credit, but it isn't terrible, so when I so that this might be an opportunity to work on it more I jumped at the chance by applying for this card. I was approved immediately for a fairly decent limit and kept a watchful eye on the hard inquiries, this went on within a day. A week later, I received my card and attempted to activate it, however it immediately gave me a message stated there was a fraud alert on the card. Well, turns out, I can't activate my card with out providing more verification & potentially getting addtitional inquiries (which Credit Karma even points out is possible, plus this has happened before). I'd rather step away from this card and wait until my score goes up another 50 to go for a more suitable and sustainable card.

What's really frustrating is when I asked why the alert, they stated they couldn't verify me, but they had no problem dinging my credit report.


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 won't expire for the life of the account, 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 January 2017 through June 2017. 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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