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
PupusasConCurtido
Great Starter Card!
by PupusasConCurtido
Helpful to 85 out of 86

I’ve had this card for less than a year. My inital score was about 560 with a previous collection on my account that I had paid off just a month prior. With that, I was approved for with a $1000 credit line.  I only used it for groceries and bills only, which was perfect! I paid my bills a week or two before it was actually due so that there was no risk of getting charged interest. Then by the 5th month of on-time payments, they raised my minimum to $4000. Even though I only use about $300 on my card, it’s been helpful to lower my usage percentage and thus increase my credit score pretty significantly. By the 3rd month, my score increased well enough to get another CC (Alaska Airlines) which is used as my primary and Journey as a secondary. Now my score is in the 730s after just after 3 months w Journey and 4 months with the Journey and Alaska CC combined. 

Journey made it possible for me as someone who started with a low credit score. I’m pretty happy with the progress I’ve made.

 
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 515 out of 574

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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