Journey Student Rewards from Capital One Review

Editor’s Note: This card is no longer available.

The card_name card welcomes both student and non-students to apply. It’s a simple cash back rewards card that gives a bonus for paying your bill on time each month. 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.

 

Our Rating

4.8/5.0

Welcome Offer

None

Annual Fee

$0

0% on Purchases

N/A

Reward Rate

1% – 5%

0% on Balance Transfers

N/A

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.

Welcome Offer

N/A

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 PerksNone

Rewards

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.
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.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR29.99% (V) APR

Pros & Cons

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

What Are the Best Alternatives?

Petal® 1 "No Annual Fee" Visa® Credit Card
Petal® 1 "No Annual Fee" Visa® Credit Card

Rating

4.5

Rewards Range

None

Annual Fee

$0

Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card

Rating

4.4

Rewards Range

1.5%

Annual Fee

$39

Chase Freedom Rise℠
Chase Freedom Rise℠

Rating

4.2

Rewards Range

1.5% cash back

Annual Fee

$0

Related Articles