Journey® Student Rewards from Capital One®

Cardholders' Choice i
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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
26.48%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
26.48%*
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 26.48%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $38
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
AWESOME CARD
by Anonymous
Helpful to 273 out of 286

I applied for this card less than a year ago and was approved for $300. Months later they increased my limit to $500 and now I have a credit line of $2500 and I have only had the card for about 10 months.

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
It's okay for just starting out
by Anonymous
Helpful to 504 out of 561

I am a student trying to establish a credit history.  When I received some money, I paid off my bill where is says, "minimum amount due, full amount, or other."  I chose to pay the full amount.  Little did I know that the next statement would have an interest charge.  I received an email about my card that I still owed.  I thought, "it must be a mistake."  I received a late fee of $2.00 for $.07 plus the interest from the previous statement.  So when you choose the option to pay entire amount, make sure it really is the entire amount.  Lesson learned.


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† 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 June 2018 through November 2018. 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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