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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 None

N/A
Rewards
Rewards

1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month. Also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)

N/A
Purchase APR
Purchase APR

26.99% variable

26.99% variable

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

26.99% variable

26.99% variable
Cash advance
Cash advance

APR: 26.99% variable

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

APR: 26.99% 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
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Compare Journey Student Rewards from Capital One vs. Capital One Platinum Credit Card

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Updated regularly
Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Journey Student Rewards from Capital One
Journey Student Rewards from Capital One
N/A
26.99% variable
$0
580
A student credit card that boosts your cash back for the month when you pay on time.
Apply now
View details
Capital One Platinum Credit Card
Capital One Platinum Credit Card
N/A
26.99% variable
$0
580
Pay no annual fee, be automatically considered for a higher credit line in as little as 6 months
Apply now
View details
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