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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.

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

Snapshot

  • Rewards: Earn 1% cash back on all your purchases.
  • Bonus: Pay on time to boost your cash back to a total of 1.25% for that month
  • No annual fee
  • No foreign transaction fees
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Editorial Review

Pros & Cons

Pros

  • No annual fee
  • Requires good/average credit
  • Non-students can apply
  • Earns extra 0.25% each month when bill is paid on time

Cons

  • High APR

Approval Odds

Credit card companies consider a number of factors when evaluating an application. These factors may include income, debt, existing credit cards and, of course, the applicant's credit score.

While credit card issuers do not publish the criteria for approval, we collect publicly available data on credit scores for those who have been either approved or denied for a credit card. Keep in mind that we cannot verify this information and an issuer's credit score requirements can change over time.

  • Approved (02/16/2014): 770 (Equifax)--$1,200 credit limit
  • Approved (02/16/2014): 776 (Experian)--$1,200 credit limit
  • Approved (02/16/2014): 787 (TransUnion)--$1,200 credit limit
  • Denied (04/12/2019): 679 (Experian)
  • Denied (06/18/2015): 615 (Equifax)
  • Denied (06/18/2015): 619 (TransUnion)
  • Denied (02/25/2018): 706 (Experian)
  • Denied (02/25/2018): 711 (TransUnion)
  • Denied (02/10/2014): 653 (Experian)
  • Denied (02/10/2014): 668 (Equifax)
  • Denied (02/10/2014): 669 (TransUnion)

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About Allcards.com

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. He currently serves as the Deputy Editor of Forbes Money Advisor.

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