- Minimum Credit Required: Fair, Limited History
- Annual Fee:None
- Network: VISA
|Initial Bonus None||Base Earn 1.25%||Max Earn 1.25%||Earn / Redeem Limit No|
- Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time.
- Cash rewards don't expire.
- There's no limit to the amount of cash you can earn.
- Get your cash back anytime as an account credit or check, even set up automatic redemption.
|Intro Rate Not Offered||Intro Period N/A||Regular Rate 19.8% (V)|
|Intro RateNot Offered||Intro PeriodN/A||Regular Rate19.8% (V)||Balance Transfer Fee None|
|Cash Advance Rate 24.9% (V)||Cash Advance Fee 3% (min $10)|
- Designed to help students build good credit with responsible use.
- Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit.
- Customizable text and e-mail alerts to help keep you on track.
- No annual fee.
- 24-Hour Travel and Emergency Assistance.
- Emergency card replacement or cash advance.
- Travel Accident Insurance.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.4% (V)
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: None
If you currently have the JourneySM Student Rewards from Capital One® and are satisfied or you like the terms of this credit card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Anonymous User:
As others have, I also got this credit card once I started out with college last year, to help build up credit. While the rewards are a bit lackluster, everything else was pretty much great, from the online banking, to how much credit I received, to the good customer service. The only bad thing from this card is possibly the interest rate, however that is the way with cards anyway, and it is always best to pay off your debt as soon as you can. The card is definitely wonderful for college students who are just starting out and are in need of credit.
May 20, 2013 at 10:49pm
- Anonymous User:
I am very happy with this credit card. I got this credit card as my first credit card whenever I first started college and wanted to start building up my credit. It has some really nice features but beware if you get in the habit of charging to much and get to where you either can't pay it off right away or forget to then the interest rate is pretty steep. That being said as long as you manage how much you charge then you can earn cash back on any purchase which add up pretty quickly for me with the cost of my tuition, books, ect. It is easy to manager your bills through their online bill pay. It's as simple as clicking pay and you're done, which is really helpful in making it easy to remember to pay on time. If you are looking for a good first time credit card with the ability to earn cash back then I highly recommend this card.
May 6, 2013 at 02:19pm
- Izzy PieniÄ…dz:
I got this card to start building my credit last year. I had it for a while and they increased my credit which was really nice of them. I use the card for everything, from gas to going out. The online bill pay is really nice and it's easy to use. The rewards are okay, nothing too extravagant for a first credit card but once in a while you get a really good one. You earn cash back on purchases which is also a really nice bonus. The only drawbacks I could think of are the low credit limit and the high interest, but if you stay on top of that it really should not be too much of a problem.
April 26, 2013 at 04:46pm
- Kelly MacDonald:
Got this card with a $500 limit in preparation for a trip to Paris in a few months. Capital One cards don’t have foreign transaction fees like other credit card companies do. Most card companies will charge 1% on every transaction overseas. I like that I can earn points on this card and Capital One makes it easy to pay bills online to earn extra points. It’s a great choice for a first credit card since there’s no annual fee. The rates are really high though, so you have to stay on top of your monthly payments. I’ll probably be keeping this one for a long time to build my credit history before getting a new one.
April 12, 2013 at 05:57pm
- Anonymous User:
I got this card as my first credit card to start building my credit. After being denied for credit cards in the past, I didn't expect to get it. I got approved with a $300 limit but was told upfront that with 5 months of on time payments, it would increase to $500. I am now at 6 months and the limit increased as promised. The website is easy to use, the cashback rewards are nice though it's not much unless you use the card heavily, and I have never had any problems at all with this card. The best feature is the online access to the Journey Credit Tracker. It has helped me learn about the factors that go into good credit and keep up with my score. It is awesome to see how my actions in the past month have benefited my credit and it motivates me to keep building!
March 21, 2013 at 11:49pm
- Anonymous User:
I got this card after having started another card, but I got this one for in case of emergency situation rolls out. I've used it quite a while after having it for over a year. In that time span, this card has been really good for me, I have not had any problems and the cashback bonus for paying on time is awesome. I had to contact customer service once, and it was mainly due to the fact that the card failed on me at a local grocery store. Turned out to be a minor issue with my card and accidentally demagnetizing it. I got a new card sent to me within a weeks time. Was probably the fastest I had ever received something. To anyone starting out, or even just barely hanging by, this is the card for you.
February 15, 2013 at 06:06pm
- Valerie Fetters:
This was my first credit card ever. I got it at 18. Having no credit at all is what stopped me from getting approved usually, but they gave me a chance. Glad they did because I've had this card for almost two years now, no regrets! :)
February 3, 2013 at 05:31am
- Spencer Vuttez:
As many others are saying, this credit card is a good option for those with no credit to just start out. I applied for it about a year ago, with an extremely low income (student). The sign-up process was relatively painless, and out of the three times I've dealt with customer service, none of them have turned sour. It's really convenient to have while traveling, in case things go wrong. If you're getting this card to build credit, try to pay everything on time for the nice cashback bonus. Overall, it's a small and sturdy credit builder, perfect for those just getting started.
January 18, 2013 at 07:14pm
- Sarah Mellows:
I got this card when I started college. It was my first credit card, but I knew how to be responsible. I really appreciate the online interface, it's certainly better than my bank's. The cash back is what interested me in the card initially, and it was always a nice bonus, although I had to restrain myself a few times to avoid the fairly low limit of $300. Most of the other cards I looked at had cash back limits, too. I had one issue with a bill that was clearly incorrect, and it was a bit of a pain to fix, but it eventually worked out. It's a pretty solid choice for someone new to credit cards, just be sure you know how they work.
January 18, 2013 at 06:55pm
- Kevin Campbell Lopez:
I had no credit history and all I kept hearing while growing up was "Take care of your credit score, pay your bill on time, and don't spend what you can't afford." Ok, sounds easy enough. Unfortunaly, my parents didn't help me a credit card company so I hopped on the internet and started researching. At 19, no credit history and a negative instance with a previous bank made me shy and scared of applying. Regardless, Capital One accepted my application and sent me a Student Rewards card the next week. I started with a $300 limit and used it sparringly. The online interface is pretty straight-forward and brief. Not colorful but gets the job done. The live customer service is the best! You can chat with someone almost anytime of the day. Amazing. What I loved was the 1% cashback. If you paid all your bill off before the end of the month, you were given an extra 0.25%. Also, after 5 months of paying on time and in full, my limit was raised to $500. I heard this is common. I was so happy =). I've read other stories online of card user's limit being raised to a $1000. Regardless, I recommend this card to anyone has little to no credit history. I recommend it to all my friends, hands down. Also, don't forget to sign up to CreditKarma.com for the free credit score (yes, it's free! FREE!) which is sponsored by Capital One. My credit score is Great and I love using this while traveling.
January 11, 2013 at 09:30pm
- Anonymous User:
This was the first real credit card that I ever had and it has been very good to me. My initial credit limit was $500 which seemed fair because I had limited credit history and was attempting to establish a better credit history. I was eventually bumped up to a $1000 limit and have continued to use the card. The cash back is definitely what initially drew me to the card, as I love being able to effectively save 1% on all of my purchases. While the percentage is not very high, it is still better than nothing, and the rewards build up until you can get something nice such as paying off part of my bill or getting the money directly to my account. Since I have established better credit through using this card, I have subsequently moved on to cards that have better rewards, but I will always fondly look back on this great card and how it helped me early on in life.
January 3, 2013 at 09:14pm
- Anonymous User:
I am still an undergraduate in college, and I got this card and had it for a little bit. I used it at first because I thought the benefits sounded great considering it fit my demographic. There are some pretty good perks, which makes the biggest difference in college since you're always low for cash and every dime matters. I never really had a problem with this card, I used it for daily expenses, nothing too pricey. Eventually I ended up deciding to try to find a better card that would be more suitable considering I am about to graduate college. Overall, I would recommend this for those looking to develop their credit as a freshman in college.
September 5, 2012 at 04:03pm
- Alex Thomas:
I got this card during my freshman year at college. As a student I had not yet built up much credit, so there were not many good rewards cards available for me. Thankfully, I found this one and I have been very pleased with it. You get 1.25% cash back on all purchases made with it, and that is good enough for a starter rewards card. Most cards that I have seen offer 1%, and while the extra half percent is not huge, it offers a little bit extra. I also like how this card lets you set up email an text alerts when you get close you the spending limit, or when there is unusual activity on the card. It is very convenient for me, and also makes me feel that my credit is safe, as I would quickly know if someone else was using it. There are not a lot of good cards for college students with no credit, so I would recommend that any of you college students out there take a look at this card. I've been happy with it, and I bet you will be too.
August 30, 2012 at 06:11pm
- Anonymous User:
I initially got the Capital One Journey card as a starting point to building a credit score. I weighed all of the other companies and it seemed that Chase and Capital One have the best customer service and fairness. Because Chase isn't as understanding, I went with Capital One and I do not regret it. It is a fair card, customer service is very friendly and quick, and it offers a competitive amount of cash back. They will start you off with a low credit limit, but that is apparently typical and will rise as time goes on. I can't speak for interest rates, as I pay in full every month, but other than that... I feel this card is worth recommending for someone who also plans to use it responsibly.
August 30, 2012 at 02:42pm
- John Walker:
I used the CapitalONe Journey Student's reward card while I was UNC Greensboro. At the time I was not really able to get any other credit cards and I would use it for a lot of my daily expenses. I never had any real problems with them, but once I did have a small problem when one of my roommates tried to charge some things on it over the internet. They caught that and I settled it between him and I. It was not a big deal, but it could have been if they had not caught him. Of course they realized that I only used it for essentials I suppose and that is what gave him away. After a few years my credit improved and I moved on to other credit cards.
August 30, 2012 at 01:12pm
- Paul Borneman:
I got this card to help me out during the summer break between semesters at college. I have had no problems with this card at all. I have not had to contact customer service so I cannot say anything about that aspect of the card. I was started out at a $500 dollar limit which I thought was very fair because I have a limited credit history. The cash back (1% with a 25% bonus when paid on time) earned is a nice little bonus for using this card. You can use your cash back any way you want, and this includes using it to help pay your bill.
August 15, 2012 at 06:49pm
- Tyler Hankins:
After messing around with other student cards, I decided to give the Journey Students Rewards card a try. I like how simplistic it is, honestly. An effective 1.25% cash back is pretty nice, but unfortunately, it's rare for me to not have better options. Other cards offer 2% - 3% cash back on certain activities, so I only use this one if I do something that doesn’t fall under the higher rate. I’m also a little annoyed by how low the initial credit limit is, but I do understand that it’s low because it’s a student card and I haven’t had much of any credit in the past. A decent starter card, all in all, but I think there is better out there.
August 15, 2012 at 03:24pm
- Anonymous User:
I have been using the CapitalOne Journey Students Rewards card for about a year now. It was my first card and as the description suggests, it is a nice starter card for a student. My initial credit limit was quite low but it has been raised twice in only a year. I haven’t had any experience with their customer service department, but that’s mainly because nothing has gone wrong, so that’s kind of a good thing! I will say that their online interface is very nice, especially compared to some of the others I have seen. It is very easy to do anything related to your card online. I particularly like the rewards program because you can redeem as a credit to your account anytime, with no minimum. The statements also show how much you have spent on interest vs how much you have made in rewards so it’s very easy to track how useful (or detrimental) your card is being to your finances! I would suggest this card – it’s worked out very nicely for me.
August 15, 2012 at 02:55pm
- Latoya Caston:
I recently re-enrolled in school and I applied for this card just on one of those let me see if they will give me some credit whims. Well they did. I love the fact that it has a cash back feature because it makes me feel like I am getting a deal just by having the card. I am using my credit card to help build my credit. The Journey card offers an incentive when you pay your bill on time. The application process is real easy to. I did mines over the phone with a representative it took around 30 min. because he read and went over the disclosure agreements with me to make sure I understood them. I got my card in the mail about 2 weeks later and I have been using it ever since.
August 6, 2012 at 06:21pm
- Anonymous User:
I have been using this credit card for over a year and it has been great so far. I had one incident that after a trip I got a charge that I did not recognize but I called the company immediately and they took care of it and I had to pay nothing. I love this credit card, the no liability feature is amazing and the cash back is very nice since there is no annual fees. You can check the status of your account online and also check the rewards. What I have done is open a bank account with capital one and I can use both my checking account and credit card account rewards together for more rewards. I would recommend this card to anyone specially if you are tired of all those extra annual fees you see in other cards that offer cash back.
August 6, 2012 at 04:21pm
- Patrick Acker:
By using my Journey Student Rewards Card from Capital One, I have saved vast amounts of money by way of their 1% cash back and their 25% bonus when paying my bill on time. I have had this card for several years now and it pleases me that my rewards will not expire. That issue seems to be a major nowadays especially when collecting air miles and the airline setting an expiration date on those miles. Also, previous credit cards that I have used had a limit on how much cash back you could collect. With the Capital One Journey Student Rewards Card, I honestly do not have any worries or complaints. Great credit card and company at that!
August 1, 2012 at 10:03pm
- Rachelle Raresheid King:
I'm trying to access the "free monthly credit score and tracking", which is the reason why I signed up for this particular card in the first place. However, I feel like I looked everywhere when I'm logged in to my Capital One account and everywhere online, but nothing has told me where I can sign up for this tool. I tried the tech support "chat now", but the person seemed not to know anything about the credit report tool, and only gave me some phone number after a long while. I don't want to have to call some phone number and go through a phone tree every time I want my credit score. I only learned of "Credit Karma" through comments on this site. NOT HAPPY, CAPITAL ONE >:( Can someone tell me how to access Credit Karma thrugh my Capital One account?
July 29, 2012 at 12:13pm
- John Updegraff:
Starting off college I needed some type of credit card to start building my credit portfolio and after a lot of shopping with my dad we came across the Journey Student Rewards Card from Capital One. I have to admit I know and appreciate a little more than the average college student about my future finances and that I need work now to build my credit. With a small credit limit, this card has allowed me to exercise my credit and not spend a lot, while being conservative and thrifty at the same time. I have only had to call Capital One once about any problems with this card. It is my smart card.
July 12, 2012 at 05:55pm
- Christian Henderson:
I have had this card since my first year at college. It is fantastic and it does not give me more credit than what I am able to handle. The rewards are great, especially for a student card. It was mostly used for purchasing my schools textbooks and all the little things. It saved me through the hard times. When I was late on one payment when I hit a rough spot, capital one helped me through it with minimal damage to my pocket book and wallet. The only negative thing I can say about this card is do not miss a payment. I love capital one! Thank you for all of your help!
July 12, 2012 at 03:46pm
- Tammy Chen:
I just rejected for this card because I had no credit history what can I do :(?
July 10, 2012 at 04:47am
- Andrew Min Jun Choi:
I really appreciate the opportunity that Capital One gives to college students to build their credit. Before I found out about this credit card, I applied for the Discover student card, PNC credit card as well as a Chase Bank credit card and was promptly rejected by all of them for having no credit history. Capital One allowed me to break the vicious cycle of not having enough credit history. They encourage new users to spend responsibly. They even increased my credit limit after 7 months of making on-time payments. Also, they enrolled me in CreditKarma which is a program that shows you your credit score every month.
July 3, 2012 at 05:55pm
- Anonymous User:
I received this card from Capital One recently after graduating, despite not even being a student and having a pretty low credit score at the time. I was relieved that CapitalOne would give me the chance to build my credit score (<600) with a relatively low limit ($500). I was even more grateful when after 3 months of paying all of my bills on time, I was rewarded with an automatic limit raise to $750. The card has great rewards (1% on everything) and I have cashed out almost $100 since I first received the card. I have no complaints regarding the card and I'm happy that CapitalOne gave me the chance I needed to finally build up some good credit.
June 27, 2012 at 02:15pm
- Alex Ruegg:
Starting my sophomore year in college, I figured it was about time for me to get a credit card. After much research, I finally stumbled upon the Journey Student Rewards. I figured this would be a perfect card for me. Having no credit history my limit was about 300 dollars, which was absolutely perfect for me. However this was raised quite soon after I got the card due to making my payments on time. The rewards program is easy and simple. If I ever had any questions about the card a quick call to Capital One answered them. I have been very satisfied with this credit card and would recommend it to any student looking to get their first one. It is easy to set up and convenient.
June 21, 2012 at 09:57pm
- Anonymous User:
I’ve had the Capital One Journey card for a little over a year. I’ve had a great experience thus far. This was my first credit card, and I was approved even though I had little to no credit history. I started with a very low credit limit ($300), but it was automatically bumped up to $500 after I made payments on time for three months. The reward program is very easy to navigate. I always do an account credit rather than a gift card or anything else. The money is credited to my account very quickly. There are also lots of opportunities to get extra rewards by shopping through the Capital One site. They recently started a new rewards program where you get personalized deals emailed once a week. I’ve had nice ones so far, like $6-8 to TJ Maxx or Michael’s and a couple bucks off a meal at Chipotle. Definitely recommend this card for college students.
June 14, 2012 at 02:07pm
- Lane Horton:
What is the starting amount u can spend?
June 14, 2012 at 04:30am
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The card information shown on this page was last updated: May 24th, 2013 at 9:37 EDT
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