Journey Student Rewards from Capital One review
This credit card is for students with limited to average credit who may not be able to qualify for other cards. They can benefit from Capital One's features and benefits as incentives to reward responsible saving and spending. Information for this card not reviewed or provided by Capital One.
Jump to Section
card_name
- Rewards
- points_per_dollar
- Welcome Bonus
- bonus_miles bonus_miles_disclaimer
- Regular APR
- reg_apr,reg_apr_type
Key Features
descriptionEditor Analysis:
- Earn a bonus on the cash back you earn each month when you pay on time.
- Earn cash back with no annual fee or foreign transaction fees.
- Potential to access a higher credit line in as little as six months.
- Students who plan to carry a balance may want to consider a card with a lower APR as this card has a RegAPR APR. That said, you can avoid this by paying your balance in full each month.
Th card_name is designed for students with limited or average credit who may not qualify for other cards. It offers Capital One’s features and benefits to encourage responsible financial habits. Continue on to learn more.
Capital One Journey Card benefits
Parents, legislators and consumer advocates have debated the merits of student credit cards, especially after allegations of questionable marketing practices on college campuses. That’s why it’s great to see how Capital One has promoted its CardName credit card as a tool for young Americans to build good financial habits with responsible use. This credit card for students with limited, fair or average credit uses Capital One’s features and benefits as incentives to reward responsible saving and spending.
According to research conducted by Auriemma Consulting Group, consumers born after the 1980s tend to rely more on checking account debit cards and on prepaid debit cards instead of on credit cards for daily purchases. They tend to manage money well, but may be missing out on some of the biggest benefits of using credit cards. CardName offers MasterCard benefits that include $0 fraud liability for unauthorized use. Remember, stolen or lost debit cards can put your cash at risk, at least for a little while.
Like other Capital One credit cards, the Capital One Journey Credit Card doesn’t charge fees for foreign transactions for international purchases making it an ideal travel companion for quick overseas trips or extended stays abroad.
How to earn rewards with the CardName
Even with a strong slate of premium features, the Capital One Journey Credit Card really shines by connecting cash back rebates to responsible credit card use. In addition to the 1% cash back common among many of today’s best cash-back rewards cards, Journey Student Rewards will boost your cash back to a total of 1.25% each month for cardholders who pay their bills on time. And, by the way, you can also earn 5% cash back on hotels and rental cars booked through Capital One Travel.
CardName credit card limit
Your credit limit is determined by your creditworthiness and other factors. The good news is that this card offers automatic credit line reviews so you might qualify for an increase in as little as six months. So, if you get your credit card and it happens to have a lower limit than you expect, use your card responsibly and you could be eligible for a credit limit increase in no time.
How does the CardName compare to other cards?
CardName vs. CardName
discontinued
The CardName is also a great card for students who are just starting out with credit. This card offers more in terms of rewards, but you’ll also need to do a better job of keeping up with reward categories.
Cardholders earn bonus cash back on common spending categories like groceries, dining, entertainment, and select streaming services, as well as a standard cash back rate on all other purchases. They can also earn elevated cash back through the issuer’s travel portal and on their entertainment purchases. For students, these bonus categories may align with typical spending habits, offering an opportunity to earn more rewards on everyday expenses. To maximize these rewards, spending within the bonus categories is necessary; otherwise, a standard flat cash back rate applies to all other spending.
CardName vs. card_name
discontinued
If you’re a student with fair to limited credit, you might consider the CardName for building your credit. This card also awards one of the highest rewards rates for student cards. You’ll earn 5% cash back each quarter in rotating categories such as gas, restaurants and online shopping on up to $1,500 spent each quarter (quarterly activation required), and 1% cash back on all other purchases.
Plus, Discover will match the cash back you earn at the end of your first year, for all new cardmembers. With the opportunities to earn cash back on your spending, especially with that first-year match offer, you could end up racking up a good amount. This could be considerably more than you might earn with the Journey card.
Is the CardName a good card for students?
The CardName card is designed for students who are just starting out and might not have much of a credit score. For that reason, you can expect a fairly high APR (RegAPR, to be exact), so it’s important to make sure you pay off the balance each month.
Otherwise, if you’re looking for a card to build your credit with, the CardName is one of the best cash-back credit cards for students you’ll find.
Frequently asked questions
Is the Capital One Journey a good credit card?
Do you have to be a student to get the Journey Student Rewards from Capital One?
Does the Journey Student Rewards Card have foreign transaction fees?
Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
