Is the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card?

It always depends on the cardholder’s needs and qualifications. Remember that even though SavorOne Rewards has a much higher cashback rate, it is only available to students. The Journey Student Rewards can be a great option for those getting their [first credit card](https://www.moneygeek.com/credit-cards/resources/guide-to-your-first-credit-card/), those with fair credit scores or those wanting to establish their credit history.

Can you transfer points from Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card?

Neither of these cards earn points. As you earn cash back on each card, each will have their own individual cashback accounts you can redeem from.

Can you switch from the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card?

Capital does not limit users from sticking to the same card. They even notify cardmembers if they qualify for a product change. If you want to switch, you may send a request over the phone or online. Note that requests are subject to approval.

What’s harder to get, the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card?

You may be able to apply for a Capital Journey Student Rewards more easily than a Capital One SavorOne Cash Rewards Credit Card. The former qualifies anyone with fair credit history, while the latter is only limited to students.

How much do you have to spend for the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card to get the welcome bonus?

Neither card offers a welcome bonus. However, the Journey Student Rewards from Capital One offers a $5 monthly credit for streaming services for the first 12 months of card membership.

Journey Student Rewards from Capital One vs. Capital One SavorOne Student Cash Rewards Credit Card: Which Is Best for You?

When you get either the Journey Student Rewards from Capital One card or the Capital One SavorOne Student Cash Rewards Credit Card, you can start or continue your credit building journey. These two student rewards cards from Capital One have unique benefits and perks to offer.

Advertising & Editorial DisclosureLast Updated: 12/5/2022

Reviewed By

Brett Holzhauer

Last Updated: 12/5/2022

MoneyGeek helps you compare the difference between the Journey Student Rewards from Capital One and Capital One SavorOne Student Cash Rewards Credit Card by analyzing the associated fees, benefits, and reward programs. For example, these two cards have no annual fees or foreign transaction fees. They charge the same APR rate of 26.99%. Capital One SavorOne Student Cash Rewards Credit Card earns 3% cash back on popular spending categories, and 1% cash back on all other purchases. Journey Student Rewards from Capital One, on the other hand, has a straightforward but lower cash back rate of 1%, up to 1.25% on all purchases if statements are paid on time.

OUR COMPARISON AT A GLANCE

Comparison Overview
Journey Student Rewards from Capital One at a Glance
Capital One SavorOne Student Cash Rewards Credit Card at a Glance
Comparison Summary
Which Card Should You Get?

Comparison Overview: Journey Student Rewards from Capital One vs. Capital One SavorOne Student Cash Rewards Credit Card

Journey Student Rewards from Capital One
Capital One SavorOne Student Cash Rewards Credit Card
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Limited-Fair
Limited-Fair

Journey Student Rewards from Capital One At a Glance

The Journey Student Rewards from Capital One card helps you establish a strong credit history especially when you’re just starting out. It provides a flat-rate reward earning opportunity of 1% on all purchases. It also encourages responsible credit card use by boosting your earning potential to 1.25% when you pay your bills on time. You don’t have to be a student to apply for this card which can be beneficial to credit card holders who can’t qualify for the card of their choice at the moment. Since it reports to all three major credit card bureaus, you can ask for a credit limit increase or apply for a better card in as soon as six months.

Journey Student Rewards from Capital One
Best student credit card with up to 1.25% cash back
- Limited-FairRecommended Credit
- $0Annual Fee
- up to 1.25% Cash BackRewards Rate
- 1xRewards Rate on Online Shopping
- 1xRewards Rate on Groceries
Pros
Earn 1% cash back on all your purchases, with a jump to 1.25% cash back when you pay your bills on time.
There is no annual fee or foreign transaction fee.
After six months, Capital One will reexamine your credit profile to see if you are eligible for a higher credit line. This can give students more purchasing power and flexibility without opening another card.

Cons
High APR on purchases
Lack of robust benefits
Cardholders receive 1% cash back on all purchases.
Pay your bill on time and receive a 0.25% cash back bonus on top of that.
$0 fraud liability policy provides peace of mind.
There are no foreign transaction fees, which is great for travelers.
You have unlimited access to CreditWise from Capital One so you can check in on your credit profile at any time.
There’s no cosigner required, although one may be helpful.
When making purchases online, you can generate virtual card numbers so that your actual card number is kept private.
Disclaimer: We work hard to stay updated with the latest information, but card offers are always changing, and in some cases, the offer listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated student credit cards.

Capital One SavorOne Student Cash Rewards Credit Card At a Glance

The Capital One SavorOne Cash Rewards Credit Card, a student credit card version of the SavorOne Rewards, is exclusively for college students currently enrolled or planning to enroll in a university in the next three months. Just like the Journey Student Rewards from Capital One, it offers cash back opportunities and charges no annual fee. It can earn unlimited 3% cash back rewards when you use the card on spending categories like dining, entertainment, grocery and streaming services. Outside of these categories, the cashback earning rate is 1%. Of course, you can still keep using this student credit card even after you graduate.

Capital One SavorOne Student Cash Rewards Credit Card
A great student credit card with high cash back on bonus categories
- Limited-FairRecommended Credit
- $0Annual Fee
- 1% - 10% cash backRewards Rate
Pros
Does not require a high credit score
Offers high cash back on several categories
No annual fee
No foreign transaction fee

Cons
High interest rate
Earn $100 cash bonus once you spend $100 on purchases within the first three months
Earn 3% cash back on groceries, dining, entertainment and popular streaming services
Earn 1% cash back on all other purchases
Redeem rewards as cash, purchase payment or gift cards
No annual and foreign transaction fees
High variable APR for purchases, balance transfers and cash advances
No balance transfer fee if done at regular balance transfer APR; if transfer is done at a promotional APR, a 3% fee will apply
Rewards have no expiration date as long as your account remains active
Each cash advance has a fee of $10 or 3% of the amount, whichever is higher
Late fees up to $40
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

Comparison Summary

To help you choose between the Capital One Journey Student card or Capital One SavorOne Student Cash Rewards Credit Card, MoneyGeek breaks them down based on their current offers.

Card Detail
Comparison Summary
Travel Coverage and Purchase Protection
Both the Capital One Journey Student and Capital One SavorOne Cash Rewards Credit Card for Students cards have no foreign transaction fees which can be beneficial to anyone planning to travel or study abroad. However, the SavorOne Rewards for Students card has added travel perks like travel accident insurance and complimentary concierge services, roadside dispatch and rental car coverage.
Winner: Capital One SavorOne Cash Rewards Credit Card for Students
Welcome Bonus
The Journey Student Rewards from Capital One offers cardmembers a welcome offer of $5 statement credits per month for the first 12 months when they use the card on select streaming services like Netflix, Amazon Prime and Hulu. The SavorOne Rewards card doesn’t have any welcome offer.
Winner: Journey Student Rewards from Capital One
Rewards
In terms of rewards, SavorOne Rewards for Students has a much better top reward earning rate of 3% than Journey Student Rewards of just 1%, especially for students who frequently spend on dining, entertainment and all other popular categories.
Winner: Capital One SavorOne Cash Rewards Credit Card for Students

Which Card Should You Get?

Between the Journey Student Rewards and the SavorOne Rewards cards, you should be able to determine which kind of benefits and perks you need from a credit card. One card is not necessarily better than the other as it’s up to you to find a credit card that works best for you. And if you aren’t up-to-speed on how credit cards work, it may be best to do some research before applying.

Who Should Consider the Journey Student Rewards from Capital One?

The Journey Student Rewards from Capital One is a great credit card option to consider for those who are just learning about credit cards or are working their way to qualify for a consumer credit card. It may also be great for anyone who falls in any one of these categories:

For people who are just learning about credit cards, the Journey Student Rewards from Capital One propels you to the right direction in terms of developing solid financial habits by incentivizing on-time payments.
For cardmembers who use streaming services like Netflix, Hulu and Amazon Prime, they could benefit from the card’s welcome offer by charging on the card what they already pay for anyway.
For cardholders who want to monitor their credit score to eventually apply for higher credit limit or better reward credit cards, Capital One’s Creditwise can be a really useful tool.
≫ More: Read Our Full Review

Who Should Consider the Capital One SavorOne Student Cash Rewards Credit Card?

Capital One SavorOne Cash Rewards Credit Card offers a higher cash back for much more specific spending categories. However, it is only limited to students.

Students who frequently spend on dining, entertainment, streaming and grocery can benefit from SavorOne Rewards’ higher cash back rate.
Students may also find SavorOne Rewards as a more ideal card to use long term than the Journey Student, due to its high cash back rate.
Students who frequently attend concerts, football games, and other premium events can score an even higher cashback rate of 8% when they purchase tickets through Vivid Seats using their SavorOne credit card.
≫ More: Read Our Full Review

EXPERT OPINION

The clear winner of these two is the Capital One SavorOne Student Cash Rewards Credit Card because of the 3% spending categories. However, if you find value in saving $5 per month on streaming services, the Journey Students Rewards card may be a better fit. But keep in mind this offer is only good for the first 12 months, so after that, the better card will likely be the SaverOne Rewards card.

Other Helpful Decision-Making FAQs

MoneyGeek answers the most common questions that may help you decide whether you should get Capital One’s Journey Student Rewards or SavorOne Rewards for Students.

Still Not Sure About These Cards? Consider These Options

Looking for a different or a specific perks and benefits not in these cards? You can check out our list of the best student credit cards or best rewards credit cards. If you think the variable APR is high for a student credit card, you may want to research if you can qualify for a low-interest rate credit card.

View All Credit Cards

Learn more about credit cards in general

sources

Capital One. "Journey Student Credit Card." Accessed January 6, 2022.
Capital One. "Journey Card Benefits." Accessed January 6, 2022.
Capital One. "SavorOne Student Cash Rewards Credit Card." Accessed January 6, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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