Journey Student Rewards from Capital One

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Journey Student Rewards from Capital One

 

Rated 4/5.0 stars by our editorial team

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  • Regular Purchase APR 28.49% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Visa®
  • Regular Purchase APR 28.49% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Visa®

Highlights

  • 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 peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Pick the monthly due date that works best for you
  • Pay for Amazon.com purchases using your Capital One rewards
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
  • Build your credit with responsible card use

Card Fees

Foreign Transaction Fee

None

Balance Transfer Fee

$0 at this Transfer APR

Cash Advance Fee

3% of the amount of the cash advance, but not less than $10

Penalty APR

None

Ongoing Information

Rewards Rate

1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

Annual Fee

$0

Expert Reviews

From the CompareCards.com Editorial Team, updated on Oct 07, 2022

The Journey Student Rewards from Capital One is tailored to the student who wants to earn cash back while also earning a solid credit history through responsible credit card use and financial management. You can opt to receive free text and email alerts sent to your phone to help you monitor your Capital One student credit card account, and you will earn 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

There is no annual membership fee and cardholders get cash back on all purchases. Accumulated , and there is no limit to the amount of cashback you can earn. The earned cash can be redeemed by check, or as a credit deposited to your account, with the option for automatic redemptions. 

Many students don’t realize how quickly they can spoil their credit – while others also understand that it's also possible to rapidly improve your credit. Since credit history is a journey that starts early in life, this is a good card choice, supported by the kind of innovative online tools and technologies for which Capital One is famous for.

Expert Reviews of the Journey Student Rewards from Capital One

  • 3.0

    Regular APR

  • 3.0

    Intro APR

  • 3.0

    Fees

  • 3.0

    Benefits

  • 4.0/5

    Overall Rating

The Bottom Line

This is a reliable student-oriented credit card with a solid rewards program that pays cash back and also gives bonuses to cardholders who pay their bills on time. Capital One also offers account management tools to help first-time credit card owners.

The Good

There are easy ways to earn cash back rewards. There is no limit on the cash back you earn and . There is also no annual fee and a nice bonus if you pay your bills on time.

The Not so Good

The on-going APR for this card is 28.49% (Variable), which isn't a great interest rate; however, those who pay their bill in full each month won't be affected by this rate.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

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YOUR RATING

 

Rated 4/5.0 stars by our editorial team

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4/5.0 from 0 Offer Ratings
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