Capital One Journey Student Rewards card review | finder.com

Journey® Student Rewards from Capital One® review

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What happens when I click Apply now?
  • Clicking Apply now will take you to your Online Application on the product issuer's website. You do not need to be an existing customer of this provider to apply.
  • Your application will typically take you no more than 10-15 minutes to complete.
  • Conditional approval will typically happen within 1 business day after submitting your application. In many cases, you will have your funds within a week.
Click here to start your application >>

Get unlimited cash back with this no-annual-fee card designed for students.

  • Get this card if you’re looking to build your credit and earn cash back.
  • Pick something else if you want higher cash back or an intro APR period on balance transfers and purchases.
  • Apply with a fair credit score of 580 or higher, or with no credit history.
Product NameJourney® Student Rewards from Capital One®
Card typeVisa
Annual fee$0
Purchase APR26.96% variable
Balance transfer APRN/A
Balance transfer feeNone
Cash advance rate26.96% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $39
Additional cardholder fee$0
Rates & feesrates & fees
Minimum Age18 years of age
Welcome OfferN/A
Rewards1% cash back on all purchases, 1.25% for months you pay on time
Base Rewards1% cash back
Rewards Points ExpiryNever

The basics

Students without any credit history and people with fair credit scores could find this card useful. With timely payments, you can build your credit score and earn cash back in the process without paying an annual fee.

Carrying a balance comes with a high APR, but since you’re trying to establish and build your credit — which presumes you pay your balance in full before its due — the high APR shouldn’t be a problem.

The perks

  • Cash back.

    Earn 1% back on everything you buy. Plus, if you pay your balance off before it’s due it will boost your cash back to 1.25% for the current month.

  • No annual fee.

    You won’t pay anything to own the card.

  • Access to higher credit line.

    Once you make five monthly payments on time, Capital One may increase your credit line.

How many cashback rewards can I earn with the Journey® Student Rewards from Capital One®?

Suppose you spend $12,000 annually with this card. You could earn $120 with the regular cashback rate. Pay your balance on time, and you could boost your cash back to $150.

You’ll also like …

  • No foreign transaction fees.

    If you’re traveling abroad on a student exchange program or if you travel for fun, you’ll avoid paying foreign transaction fees that come with other cards.

  • No penalty APR.

    You’ll only pay fees if you make a late payment. With other cards, you have to worry about a penalty APR of up to 31% that can last indefinitely if you only make a single late payment.

  • CreditWise.

    Access your credit score at any time for free to keep your financial future on track.

  • Fraud coverage.

    Get $0 fraud liability for unauthorized purchases if your card is ever lost or stolen.

  • Mastercard benefits.

    Get travel insurance and assistance, and if your card is lost get an emergency replacement card. Also get rental car coverage against damage, theft and more.

What to watch out for

  • High APR.

    The card comes with a variable APR of 26.96%. Aim to pay off your card balance each month to avoid paying the interest.

  • Low minimum credit line.

    The minimum credit line you can get is $300. However, Capital One may reward you with a credit line increase or upgrade your card if you pay your balances on time.

    However, if you want more flexibility with your credit line, consider taking a secured card and deposit the amount you want your credit line to be.

  • No signup bonus.

    You won’t get any bonus in the first months of card membership. With other cards, you can get up to a $500 bonus once you meet certain spending criteria.

  • No intro APR period.

    If you’re looking for an intro APR period on balance transfers and purchases, look for another card.

Compare student credit cards

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
26.96% variable
$0
580
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
15.24% to 26.24% variable
$0
670
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
20.74% variable
$0
580
Designed for college students to build credit history and earn rewards.
24.99% variable
$0
650
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
17.49% variable
$0
580
Credit card for professionals relocating to America without a US credit history.

Compare up to 4 providers

What should I know before I apply?

To apply for the card, you must be at least 18 years old and a US citizen or permanent US resident.

You’ll need to submit personal and financial information that includes:

  • Your full name and contact information.
  • Date of birth and Social Security number.
  • Financial and employment information.

During the application you may choose to receive payment alerts, and can opt to receive further communications in Spanish if it’s your preferred language.

What credit score do I need?

Apply with a fair credit score of 580 or higher, or with no credit history if you’re a student. Applying with a better credit score will likely get you a lower APR and a higher credit limit.
Learn how to successfully apply for a student card.

What do customers say about the Journey® Student Rewards from Capital One®?

Customers who are happy with the card claim they were instantly approved with no credit history. And most customers claim they quickly built their credit with timely payments. The only complaint some of the customers have is the high APR.

The Better Business Bureau rates Capital One with an A+.

How to apply for the Journey® Student Rewards from Capital One®

  1. Learn more about how to apply for the Journey® Student Rewards from Capital One®.

How long will it take to get my Journey® Student Rewards from Capital One®?

Thanks to its automated preapproval system, Capital One can instantly decide on your application. But in some cases, it may take up to 10 business days.

Once you’re approved, your card, your credit line and your welcome materials will arrive in the mail within seven to 10 business days.

I got the card. Now what?

  • Download Capital One mobile app. With the app, you can pay your bills, send money to friends and family, monitor your card activity, redeem your cash back, lock or unlock your card if you lose it and more.
  • Pay on time. The card has a high APR. To avoid that, make sure you pay your balance in full before it’s due. And if you pay on time, Capital One will reward you with extra cash back.
  • Customer service. For any questions, reach out to Capital One’s customer service at 800-227-4825 and you’ll get assistance.

How do I redeem rewards from Journey® Student Rewards from Capital One®?

Redeem your cash back through your online Capital One account or call the rewards center. Request your reward in the form of:

  • Statement credit
  • Checks
  • Credit for previous purchases
  • Gift cards

If you have a preferred method of claiming your cash back, set up your automatic preference for either a specific time each year or when a specific threshold — of $25, $50, $100 or $200 — has been reached.

Bottom line

If you’re a student and you don’t have any credit history or are trying to rebuild your credit, this could be a decent card for you. You’ll be able to build your credit score and earn cash back without paying an annual fee.

If you’re uncertain whether this is an appropriate card for you, check out other student cards or cards for building credit to find the right one for your needs.

Frequently asked questions

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