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You are here: Home / Credit Cards / Journey Student Rewards from Capital One Review

Journey Student Rewards from Capital One Review

April 7, 2022 by Matthew Chaffin

The Journey Student Rewards from Capital One card welcomes both student and non-students to apply. It’s a simple rewards card that rewards members with 1% cash back on all purchases, and even gives a bonus reward of 0.25% for paying your bill on time each month.

Also, when you pay on time, you can earn $5 per month for 12 months on select streaming subscriptions.

You can be automatically considered for a higher credit line in as little as six months. And get customized alerts and manage your account with the Capital One mobile app.

 

Journey Student Rewards from Capital One
Learn More
Our Rating
4.8/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
None
Rewards Rate
1% - 5%
0% on Balance Transfers
None

Rewards

5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
1% cash back
All eligible purchases
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
Cons
  • No welcome bonus
  • High APR

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access, Choose your due date
Travel Perks

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR29.74% (V) APR

Our Take

How Does the Journey Student Compare?

The Journey Student Rewards card from Capital One offers decent rewards, including a $60 streaming subscription credit and up to 1.25% cash back on purchases if you pay on time. It has a high APR, so students and others trying to improve their credit need to be careful using this card.

Who Is the Journey Student Best For?

Journey Student Rewards card is best for students with fair credit who want to boost their credit scores with responsible use. Then they can apply for a traditional card with a lower interest rate.

Who Would Do Better With a Different Card?

Students with good to excellent credit can consider the Discover It Student Cash Back Rewards card. You can earn up to 5% cash back at grocery stores, Amazon, restaurants, and gas stations. You could also consider the Chase Freedom® Student credit card, which offers similar cash back rewards, a $50 bonus, and a lower APR.

What Credit Score Is Required to Get the Journey Student

Based on data we’ve collected from public forums, a credit score of 660, on the higher end of the fair credit scale, is ideal. But, because this is a student credit card, approvals with lower or limited credit may be possible.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/16/2014
770
Equifax
$1,200
Approved02/16/2014
776
Experian
$1,200
Approved02/16/2014
784
TransUnion
$1,200
Denied04/12/2019
679
Experian
---
Denied06/18/2015
615
Equifax
---
Denied06/18/2015
619
TransUnion
---
Denied02/25/2018
706
Experian
---
Denied02/25/2018
711
TransUnion
---
Denied02/10/2014
653
Experian
---
Denied02/10/2014
668
Equifax
---
Denied02/10/2014
669
TransUnion
---

What Are the Best Alternatives?

Chase Freedom® Student credit card
Chase Freedom® Student credit card

Rating

4.7

Rewards Range

1%

Annual Fee

$0

Read Review
Petal 1 Visa Card
Petal 1 Visa Card

Rating

4.5

Rewards Range

Annual Fee

$0

Read Review
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card

Rating

4.4

Rewards Range

1.5%

Annual Fee

$39

Read Review

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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