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

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

What Credit Score Is Required to Get the Journey Student Rewards from Capital One

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 770

Average Approved Credit Score: 777

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
---

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

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