What is the average credit score needed to get approved for Journey Student Rewards from Capital One?

You need limited to average credit to qualify for this card.

Is the Journey Student Rewards from Capital One application process lengthy? Can you prequalify?

You cannot get pre-approval for the Journey Student Rewards from Capital One Card. The online application process can be completed in 10 to 15 minutes. While Capital One tries to provide its decision within 60 seconds, there are instances where your application might require additional processing or information. In such cases, you may receive further details via regular mail or email within 7–10 business days.

What information is needed to apply for the Journey Student Rewards from Capital One card?

You need to provide personal information (name, date of birth and Social Security Number), contact information (residential address, email address and phone number) and financial information (annual income and monthly rent/mortgage) to apply.

Does the Journey Student Rewards from Capital One card have good customer service or satisfaction?

Capital One as a company is rated highly for its customer service. While it can be difficult to determine the overall customer satisfaction associated with a card, the Journey Student Rewards card is one of the most frequently recommended cards for students.

Does Journey Student Rewards from Capital One have a mobile app or the option to pay or manage your account online?

Yes, you may use the Capital One website or mobile app to manage your Journey Student Rewards account and make payments.

Does Journey Student Rewards from Capital One raise credit limits automatically or charge for limit increases?

A review of your Journey Student Rewards from Capital One Card's credit limit takes place automatically after the first six months. The bank does not charge any fee for this service.

Does Journey Student Rewards from Capital One offer the option to freeze your credit/account or have other security features?

You may block your card at any time by using the Capital One mobile app. You may also benefit through security alerts, $0 fraud liability and virtual card numbers.

Does Capital One offer other credit cards besides Journey Student Rewards from Capital One?

Yes, it does. Some other popular Capital One credit cards include the Secured Mastercard, the Platinum Mastercard, the Venture Rewards Card and the QuicksilverOne Rewards Card.

Journey Student Rewards from Capital One Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The Journey Student Credit Card is best suited for students who are on the path to build their credit and wish to earn rewards along the way. While this card comes with a relatively high APR, you could still benefit from it if you don’t carry your balances from one month to the next. Not having to pay an annual fee helps, too. If you use this card outside of the U.S., you also stand to gain by paying no international transaction fees.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
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

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Journey Student Rewards from Capital One at a Glance

As long as you have good financial habits, you can make the Journey Student Rewards from Capital One Card work well for you. This card is ideal for international use, and it lets you earn unlimited 1% cash back on all your purchases.

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.
Earn $5 per month in statement credits on select streaming subscriptions for the first 12 months when you pay on time.

Cons
High interest rate (29.99% variable APR)
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.

Pros & Cons Explained

While the Journey Student Rewards Card's multiple benefits deserve your attention, it is important to take a look at its shortcomings too.

Pros

Benefits
Description
Earn unlimited cash back
All the purchases you make come with 1% cash back, and there’s no cap on what you could earn. Plus, if your account doesn’t remain past due on the last day of the billing cycle, you earn an extra 0.25% cash back. If you spend an average of $600 every month and pay your bills on time, you stand to get $90 in one year.
No foreign transaction fee
Use this card outside of the U.S. without paying foreign transaction fees. In most cases, these amount to 3% on each transaction.
Statement credits on streaming subscriptions
When you use this card and make timely payments toward your streaming subscriptions, you get a $5 credit per month. This applies for 12 months after the first eligible on-time payment.
No annual fees
You pay no annual fee for the life of the card, though this feature is common with almost all the leading credit cards for students.

Cons

Drawbacks
Description
High interest rate
The card comes with a 29.99% variable APR that applies to purchases, balance transfers and cash advances. The high APR on purchases can result in significant interest if you don’t pay your bill in full every month. Consider getting this card only if you can repay your balances in full each month. If you plan to carry forward your balances, consider the Chase Freedom® Student credit card, which has 19.99% variable APR on purchases.
Lack of additional benefits
The Journey Student Rewards Credit Card offers few additional benefits, be it through complimentary insurance coverage or travel perks. However, this is common with student cards as well as with no annual fee cards.

WANT TO COMPARE THE BEST STUDENT CREDIT CARDS OF 2022?

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Bonuses & Rewards Explained

With the Capital One Journey Student Rewards Card, you earn 1% cash back on all purchases, and you get an extra 0.25% back if you make your monthly repayments on time. The card features unlimited cash back, and your rewards don’t expire as long as your account remains active. You can redeem your cash back rewards in a few different ways:

Check

You can redeem your cash back in the form of a check or a statement credit.

Auto redemption

You can set this up for a specific time of the year or when your cash back reaches a certain threshold.

Gift Cards

Additionally, you can use your cash back to buy gift cards or as credit for previous purchases.

Other Features Explained

The Journey Student Rewards from Capital One card has many other features and benefits, including:

Card Feature
Description
Automatic credit line review
Capital One analyzes your credit profile and determines if you qualify for a higher credit line in as little as six months.
Set up autopay
Use your card to set up automatic payments to go out from your account every month, and do away with the hassle of remembering due dates. You also get easy access to the list of merchants that charge your card monthly.
Authorized user
Adding an authorized user to your card is simple, as is tracking the user’s spending.
Balance transfer
While this card lets you transfer outstanding balances from existing cards, doing so might not be a great idea, given its high APR on balance transfers. If you qualify for a promotional APR at a later stage, you need to pay a balance transfer fee.
Access to CreditWise
You get free and unlimited access to your credit score and other credit monitoring tools through CreditWise, which can help you stay on top of your finances and build a strong credit history. You can also receive alerts when there are changes in your TransUnion or Experian credit reports.
Access to Eno
Eno is Capital One’s 24/7 digital assistant that you can use to pay your credit card bill and check your outstanding balance and recent transactions.
Account security
Virtual card numbers help you keep your actual card number safe from the online world, and $0 fraud liability ensures that you don’t have to worry about unauthorized charges on your card.
Emergency card replacement
This replaces your card if it’s lost or stolen. You can also lock your card through the Capital One mobile app.
Customer service
Cardholders can contact a Capital One customer service representative, day or night. The company also allows you to place a collect call to its customer service team from outside the U.S.
Customer satisfaction
Most cardholders have good things to say about the Journey Student Credit Card from Capital One, and its favorable reviews aren’t just from students. Capital One also took the top spot in J.D. Power’s 2020 National Banking Satisfaction Study.

MONEYGEEK QUICK TIP

Ensure that your account is not past due on the last day of each billing cycle to maximize your cash back earning potential. By doing so regularly, you can increase what you earn from 1% to 1.25%.

Understanding the Fine Print

Card Feature
Amount or Rate
APR
29.99% Variable
Annual Fee
$0
Cash Back Rewards
Rewards Rate
up to 1.25% Cash Back
Airline Benefits
Rewards Rate on Groceries
1x
Rewards Rate on Gas
1x
Rewards Rate on Dining
1x
Rewards Rate on Entertainment
1x
Rewards Rate on Online Shopping
1x
Rewards Rate on TV, Phone, Internet Services
1x
Rewards Rate on Air Travel
1x
Rewards Rate at Hotels
1x
Balance Transfer Fee
3%
Balance Transfer APR
29.99% Variable
Late Fees
Up to $40
Cash Advance Fee
$3 or 3%, whichever is greater
Cash Advance APR
29.99% Variable
Foreign Transaction Fee
None

Regular APR
The Journey Student Rewards Credit Card comes with a fairly high variable APR of 29.99% that applies to purchases, balance transfers and cash advances. Additionally, balance transfers and cash advances start accruing interest from the date of the transaction. This APR may vary based on the prevailing prime rate published in The Wall Street Journal each quarter.
Cash Back Reward Rate
This card lets you get up to 1.25% cash back with no cap on the rewards you earn. If you spend $2,000 using this card, you stand to earn up to $25. With a card that offers 3% cash back, you would earn $60.
Balance Transfer APR and Fees
The variable APR that applies to balance transfers for this card is 29.99%. If you use this APR for a balance transfer, you pay no balance transfer fees. If you qualify for a promotional balance transfer APR at a later stage, a 3% fee on the transferred amount will apply. In this case, if you transfer $1,000, you'll end up paying $30 in balance transfer fees.

WHERE TO FIND THIS INFORMATION?

When comparing this card with other cards for students, pay close attention to the APR and all associated fees. If you're comparing it with a card you have, simply go through your last billing statement or check your card provider's website or app. Alternatively, find information through the credit card agreement database maintained by the Consumer Financial Protection Bureau (CFPB).

Who Should & Shouldn’t Consider Journey Student Rewards from Capital One?

Other Considerations for Journey Student Rewards from Capital One

Make a decision about whether or not you should apply for the Journey Student Rewards from Capital One card after considering how you plan to use it going forward. This is because using it as your only card or along with other cards you have might have a bearing on eventual repercussions.

Things to Consider if This Will Be Your First or Only Credit Card

If you plan to make this your first or only credit card, keep the high APR in mind when making purchases. This card’s high APR means you’ll end up paying a significant amount in interest if you roll your balances from one month to the next. If you plan to pay your balances before the end of each billing cycle, this card 一 with its unlimited cash back 一 might work well for you.

Things to Consider if This Will Be an Additional Card in Your Wallet

As an additional card with no international transaction fees, the Journey Student Rewards card is ideal for use when traveling outside of the U.S. Not having to pay an annual fee and earning up to 1.25% cash back on all purchases are additional benefits, as are the statement credits on streaming subscriptions for 12 months.

However, you still need to account for the card’s high APR on purchases, especially if you don't plan to pay off your balances every month. We don’t advise using this card for transferring outstanding balances from other cards, given its high balance transfer APR.

WHY TRUST OUR REVIEWS

We follow a well-defined and streamlined methodology when reviewing credit cards. The process includes collecting information from Consumer Finance Protection Bureau’s database, standardizing data points for easy comparison, estimating average spend profiles, determining long-term value and carrying out regular re-ranking.

How Journey Student Rewards from Capital One Compares to Other Cards

This card holds its own against most other student cards because of its lack of annual and international transaction fees, as well as its high cash back rate. However, determining how it compares against other student cards essentially boils down to what you're looking for in a card.

In-Depth Credit Card Comparisons:

Quick Comparison of the Journey Student Rewards from Capital One Card

Journey Student Rewards from Capital One

Annual fee: $0
Purchase APR: 29.99% variable
International transaction fee: $0
Cash back rate: Up to 1.25%
Mini Verdict: Best suited for students who plan to travel overseas.

Chase Freedom® Student credit card

Annual fee: $0
Purchase APR: 19.99% variable
International transaction fee: 3% of each transaction
Cash back rate: 1%
Mini Verdict: Ideal for students who plan to maintain revolving balances.

Other Helpful Decision-Making Q&As

Here are answers to some frequently asked questions about the Journey Student Rewards from Capital One Credit Card that might help you arrive at a decision.

Still not sure about this card? Consider these options.

If you're unsure about how well this card might work for you, consider taking a look at what some of the other leading cards for students have to offer. If you're not looking for a student card, you might be better off with a rewards card or a balance transfer card.

View All Credit Cards

Learn more about credit cards in general

sources

Capital One. "Journey Student Credit Cqard from Capital One." Accessed July 19, 2021.
Consumer Finance Protection Bureau. "Credit card agreement database." Accessed July 19, 2021.

*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. Learn more about our editorial policies and expert editorial team.
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