Rewards
Pros & Cons
- No annual fee
- No foreign transaction fee
- No welcome bonus
- High APR
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access, Choose your due date |
| Travel Perks |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 29.74% (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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/16/2014 | Equifax | ||
| Approved | 02/16/2014 | Experian | ||
| Approved | 02/16/2014 | TransUnion | ||
| Denied | 04/12/2019 | Experian | ||
| Denied | 06/18/2015 | Equifax | ||
| Denied | 06/18/2015 | TransUnion | ||
| Denied | 02/25/2018 | Experian | ||
| Denied | 02/25/2018 | TransUnion | ||
| Denied | 02/10/2014 | Experian | ||
| Denied | 02/10/2014 | Equifax | ||
| Denied | 02/10/2014 | TransUnion |
What Are the Best Alternatives?
Chase Freedom® Student credit card
Rating
4.7
Rewards Range
1%
Annual Fee
$0
Petal 1 Visa Card
Rating
4.5
Rewards Range
Annual Fee
$0
Capital One QuicksilverOne Cash Rewards Credit Card
Rating
4.4
Rewards Range
1.5%
Annual Fee
$39