Journey Student Rewards from Capital One Credit Card Review

Journey Student Rewards from Capital One Credit Card — all information about the card.

By Hanna Volkava
Updated November 25, 2022

Good Choose for Without SSN

Capital One Journey Student
Apply now
On Capital One‘s site
Our Rating:
3.79 out of 5
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    28.49% Variable
  • Balance Transfer APR:
    28.49% Variable
Show more

We recommend more cards

Journey Student Rewards from Capital One Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 1% On all purchases.
  • Travel
    • ATM Location Services:
    • Receive help finding the nearest ATM when traveling.
    • Emergency Card Replacement:
    • If your credit card is lost or stolen, you can get an emergency replacement card.
    • No Foreign Transaction Fees:
    • You won’t pay a transaction fee when making a purchase outside of the United States.
    • Fraud Coverage:
    • You’re covered by $0 Fraud Liability if your card is ever lost or stolen.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 28.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 28.49% Variable
  • APR for Cash Advances
    • 28.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances and transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of the amount of each transferred balance that posts to your account. None for balances transferred at the Transfer APR
  • Fees for Cash Advances
    • Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • Rewards program with bonus points
  • No annual fee
  • Automatic credit limit increase reviews
  • No foreign transaction fees
  • Reports to three major credit bureaus
Cons:
  • High APR
  • No bonus categories

Features

Classic
Visa
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Student
  • Fair Credit

About the issuer

Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's website
Call to Customer Service

Compare with other cards

Fair credit
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
3.64 out of 5
Recommended credit score
score
Fair to Good (580-739)
  • $39
    Annual Fee
  • 28.49%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Apply now
On Capital One‘s site
First Access Visa® The Bank of Missouri
First Access Visa®
The Bank of Missouri
4.2 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $75
    Annual Fee
  • 34.99%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On the First Access Visa® Card secure website
Unsecured
Indigo® Mastercard® Celtic Bank
Indigo® Mastercard®
Celtic Bank
3.7 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $0 - $99
    Annual Fee
  • 24.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On Celtic Bank‘s site

Journey Student Credit Card from Capital One® Review

In this article, we’ll review the Journey Student Credit Card from Capital One®, the credit-building card for students.

The Journey Student Credit Card from Capital One® offers you 1% cash back on all purchases and has no annual fee. The combination of a long list of benefits and a responsible spending habits incentive makes it ideal for young students who are building their credit from scratch. The focus is on good credit management, and it rewards those who make their payments on-time. After six on-time monthly payments, your credit limit can get raised. So, despite its high interest rate, it is certainly one worth considering.

Journey Student Credit Card from Capital One®: pros and cons

Pros: Cons:
Rewards program with bonus points. There is 1% cash back on general purchases with no limits. Plus, if you pay on time, you get 0.25% bonus points, so a total of 1.25% monthly. High APR. There is a variable 28.49% APR. Unsurprisingly, it is typically high with credit cards intended for those with no or little credit history.
No annual fee. That is a nice feature, as you won't have to bother with calculations about how much you need to spend in order to justify the fee. No bonus categories. A flat rate might be a drawback for those who have favorite spending categories.
Automatic credit limit increase reviews. After only six months, you'll be automatically considered for a credit line increase. Of course, that is only with timely payments.
No foreign transaction fees. You can make transactions outside the US with a 0% fee. A nice feature for students who like to travel internationally.
Reports to three major credit bureaus. Equifax, Experian, and TransUnion will get reports of your statements, so you'll be able to build credit by leaving no due payments.

Rewards system in a nutshell

The rewards rate of the Journey Student Credit Card from Capital One® is 1% cash back on all purchases, but each month you can earn an additional 0.25% (1.25% in total) if you have paid off your balance on time. Considering the 1.5% cash back rate, most widely applied within the credit card industry, for a student credit card the 1% (1.25%) rate is not bad, at all.

icon-info

The rewards system is flexible, without a minimum redemption amount. If you want, you can set up a threshold to redeem your reward points automatically. They also do not expire until you close the account, and there is no limit to how much cash back you can earn.

There are few straightforward ways to redeem your rewards, and those are:

  • Redeem for cash – you can request a check or apply your rewards as a statement credit.
  • Past purchases – use your rewards for purchases that have been previously made.
  • Gift cards – buy gift cards with your rewards.

We believe students will appreciate the simple rewards system, which can be easily monitored too.

Who can benefit from getting the Journey Student Credit Card from Capital One®?

If you’re a responsible college student who regularly complies with deadlines, the Journey Student Credit Card is a great option for you. This card will reward you in many ways for making your payments on time, and maximizing rewards will come easily. Still, it will motivate even those who are irresponsible to meet their deadlines and reap the benefits.

icon-warning

Be careful, because if you allow yourself to be careless and miss a payment, this credit card has one of the highest APRs for student credit cards.

If you want a basic rewards card from a reputable issuer, that will help you build credit this is the one. However, it is all relative to your individual spending habits. If you're someone who spends more than the average on groceries or entertainment, you might want to look for a credit card that offers a higher rewards rate for your preferred categories.

All those who don't miss a spring break, enjoy weekend getaways, or are maybe planning a Europe trip will benefit from this card. As part of the VISA® network, it's acceptable worldwide, and there are no foreign transaction fees. Along with the travel benefits, it makes a nice choice for travelers too.

icon-notification

Although it is regarded as a student credit card, anyone with an average credit score can apply for it. So if you’re not a student, but think this is a good card – go for it.

Are there any other benefits?

Unlike other credit cards, this one doesn't offer bonus categories that earn you higher rewards rates or a sign-up bonus. However, it has some nice perks that separate it from other cards. Some of them are:

  • Travel insurance – you are insured for travel accidents.
  • Extended warranty protection – additional warranty (at no extra charge) on some items you purchased with the card.
  • Text alerts – you get text messages if there is some suspicious or unusual activity with your credit card.
  • Capital One’s assistant, Eno – Eno is available to you 24/7 for any assistance you may need you're your credit. It even enables you to pay online with virtual card numbers without revealing your actual credit card number.
  • Card lock – if you notice your card is missing, you can immediately get it locked in the Capital one Mobile app.
  • $0 fraud liability – if your card gets stolen, you won’t be held responsible for any charges that you didn’t authorize.
  • CreditWise - Capital One’s free tool that enables you to monitor your credit score without affecting it.
  • 24/7 customer service – Capital One’s customer service representatives are here for you, seven days a week, at any time.

Conclusion

We are a bit conflicted when it comes to the Journey Student Credit Card from Capital One®. It is a good card for students to start with and slowly make their way to better credit scores and better credit cards. The best part about it is the incentive tools for good credit management, and it is nice that it lacks the typical credit cards’ fees.

icon-warning

The high APR doesn't go to its advantage, especially considering that it's a credit card for students with no credit history. Those at the beginning of their credit-building «career» might not be punctual with all their bills and payments. Maybe at least a no APR intro period would've been appropriate here.

New students who want to focus on developing good spending behavior and thus build their credit score, but don’t care too much about rewards will have good use of this card. To give you a sense of what you can get out of the rewards program - if you spend $500 a month, you’ll get $75 cash back in a year. Keep in mind that this is only if the 1.25% cash back rate is applied. For the majority of students, every cent counts, so this is fairly satisfactory. Those who give more importance to rewards might like the Discover It® Student Cash Back credit card better, it offers 5% in rotating categories.

FAQ

Is Journey Student Credit Card from Capital One® a good credit card?

It is a good credit card for students who are just now getting to know credit and how it works.

What is the customer service phone number for Journey Student Credit Card from Capital One®?

You can reach customer service assistants 24/7 at the following number: 1-800-CAPITAL (1-800-227-4825).

How to check my application status for Journey Student Credit Card from Capital One®?

You can easily check the status of your application anytime, by calling 1-800-903-9177. Of course, you will be notified of the decision in writing within 7 to 10 days of your application.
Hanna VolkavaHanna Volkava

Financial and product expert

hv@myfin.us
Another popular cards for you
3.8 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • $49
    Annual Fee
  • 13.74%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site