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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.

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
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.
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.
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.
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.
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.
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Compare Capital One credit cards

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