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Journey® Student Rewards from Capital One® vs. Capital One® Platinum Credit Card

One student credit card and one simple credit-building card.

Megan Horner
Megan Horner

Updated

Fact checked

These cards are both aimed at individuals with fair credit. The Journey® Student Rewards from Capital One® is designed for students and it lets you earn flat cash back on all purchases, while the Capital One® Platinum Credit Card is designed for building credit and it comes with no rewards program. Neither offers a signup bonus.

Check out all the cards’ features in the table below.

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

Rates & Fees

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

Rates & Fees
finder.com's rating
finder.com's rating

★★★★★

3.9 / 5.0

★★★★★

4.5 / 5.0
Best for
Best for
  • No foreign transaction fee student card
  • Building credit without a deposit
Welcome offer
Welcome offer

N/A

N/A
Rewards
Rewards

1% cash back on all purchases, 1.25% for months you pay on time

N/A
Purchase APR
Purchase APR

22.99% variable

22.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

22.99% variable

22.99% variable
Cash advance
Cash advance

APR: 22.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 22.99% variable

Fee: $10 or 3% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 580 580
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

  • 1% cash back on all purchases
  • 1.25% for months you pay on time
  • No annual fee

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

  • No annual fee
  • Higher credit line after five on-time payments
  • Qualify with average credit

Compare credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
CardMatch™ from creditcards.com
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
See offer
View details
Credit One Bank® Unsecured Visa® for Rebuilding Credit
Credit One Bank® Unsecured Visa® for Rebuilding Credit
N/A
17.99% to 23.99% variable
$0 to $99
300
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Apply now
View details
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Credit One Bank® Unsecured Visa® with Cash Back Rewards
N/A
17.99% to 23.99% variable
$0 to $99
300
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Apply now
View details
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card
N/A
24.9% fixed
$0 to $99
580
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
Go to site
View details
Reflex Mastercard® Credit Card
Reflex Mastercard® Credit Card
You may be asked to make a deposit for a secured card
25.9% to 29.99% variable
$75 to $99
580
Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.
Apply now
View details
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Compare up to 4 providers

Compare Capital One credit cards

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