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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.

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Megan Horner
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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®

Terms apply, see rates & fees

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

Terms apply, see rates & fees
Finder rating
Finder 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 $40 Up to $40
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

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

Data updated regularly
Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Journey® Student Rewards from Capital One®
Journey® Student Rewards from Capital One®
N/A
22.99% variable
$0
580
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
View details
Capital One® Platinum Credit Card
Capital One® Platinum Credit Card
N/A
22.99% variable
$0
580
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
View details
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