JourneySM Student Rewards from Capital One®

Journey Student Rewards from Capital One® Sponsored Card
Required Credit Score: Fair, Limited History
3.5 764 reviews   Write a Review!
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JourneySM Student Rewards from Capital One®'s Rewards

Bonus
None
Base Earn
1%
Max Earn
1.25%
Earn / Redeem Limit
No
  • Earn 1% cash back on every purchase, every month–and pay no annual fee.
  • For every month you pay on time, you receive a 25% bonus–that's a total of 1.25% cash back.
  • There's no limit to the amount of cash back you can earn, and rewards don't expire.

JourneySM Student Rewards from Capital One®'s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
19.8% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE None

JourneySM Student Rewards from Capital One®'s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 19.8% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    None
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Brighten your financial future with responsible credit use—and get rewarded along the way.
  • Fraud coverage if your card is lost or stolen.
  • Pick the monthly payment due date that works best for you.
Apply Now
at Capital One's
secure site

JourneySM Student Rewards from Capital One® Reviews

 
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3.5
Overall Rating: 3.5 / 5
Total Ratings: 764
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Aug 23, 2014
Photo of AL D.
4
By:
i love The JOURNEY VISA, it has NO annual fee, it gives you up to 1.25% cash back unlimited, you can change the design of the card and make it look like any of the other Capital One cards, NO foreign transaction fees and you can get this card with a FICO in the 500s....
Aug 13, 2014
Photo of Tanner O.
4
By:
This card is perfect for college students like myself. I currently have the U.S Bank VISA card and it doesn't provide any cash back at all! Its great for young people to grab this card up and use it to improve their credit score. I would recommend using it for everyday purchases to take advantage of the cash back and then simply paying it right away as you get home from the store. Also if you forget its awesome that they give you such a large grace period! Hope this helps!
Aug 12, 2014
Photo of Johnny R.
4
By:
This Card is great for those that are establishing Credit and has some Perks. What i also like about the Card is the low APR than most i have seen. Good Card for when i need to purchase a few items for my studies in school. It helps a great deal especially when a person is low on funds. I approve of the Perks added because in the long run it turns out to be very beneficial.
Jul 30, 2014
Photo of Alejandra Z.
3
By:
I currently have the BankAmericard Visa and I that the Journey Student Rewards from Capital One doesn't offer a promotional period for 0% interest which I feel like every card should have atleast a six month period. I also see that you can choose your own due date which is great so you can space out your bills and not have all your bills due at once. I also like that there are no annual fees which is something I always look for in credit cards. Also I see that there are some cash rewards, not as much as my bank of America credit card but good to see some.
Jul 30, 2014
Photo of Kristin W.
4
By:
This card helped me build my credit score and is good for college students wanting to start healthy credit habits. The automatic credit line increase after several months of on-time payments is a good incentive to encourage responsible credit card use. The minimum payment is affordable for college students and the low introductory credit line makes it difficult to get into too much debt too quickly as a first-time credit card user.
Jul 22, 2014
Photo of Jami B.
3
By:
The Journey Student Rewards card from Capital One seems like it would really only be a good option for first time card owners, which makes sense since it is a Student card. It allows flexibility because you get a 25 day grace period which seems pretty long compared to other cards. The rewards are only 1% and I think that is very low compared to other rewards card. I currently use the Discover It and I get 2% on most things so I will stick with that. I do like that the Student Rewards has no balance transfer fee though. That is a big plus.
Jul 10, 2014
Photo of Pref E.
4
By:
I like the fact that i will get a bonus just for using the card. I love the design and color of the card., The problem with the card though is that if they are going to give us a base earn, why does it have to be so low? One percent will not do anything for me. I can not even afford a gallon of gas with that! I don't understand why, if they are going to give us some extra pocket money to show their appreciation, why do they no give us a higher percentage? I do not see how 5% would be unreasonable, do you? The more more
Jun 30, 2014
Photo of Dakota W.
5
By:
This credit card is one of the few out there that is worth it for students trying to build credit. The reward is quite small (a penny for every dollar), but so too is the interest rate as well as late fees. Not to mention you earn more money for paying bills on time! The Journey Student Rewards by Capital One should defiantly be on the top of the student credit card list.
Jun 13, 2014
Photo of Jesse L.
3
By:
The reward is very small. $00.01 for every dollar is your reward. So it takes $100 to make $1. You can find better. I also recommend you start off with a secured credit card If you do not have a cosigner you MAY automatically start off at $300 as your credit limit. Which is small. If you look at your credit score such as Transunion you should not spend more than $30 of that or your credit utilization will go up(bad). It takes about 6 months for Capital One to raise the credit limit by $100... If you get it in the first place.. You are better off with a more
May 22, 2014
Photo of Aaron B.
5
By:
The Journey Student Rewards card from Capital One is one of the few from Capital One that I would say is one to get if you can. It is great that there is no annual fee, a lower interest rate, and that you receive 1% cash back on your purchases. Not to mention they have the 25% bonus incentive for every month you pay on time. I had another card from Capital One, but this one blows it out of the water because that one had a $39 annual fee and didn't have a bonus incentive. One last plus of this card is the fact that you have access to more
May 13, 2014
Photo of Deann F.
5
By:
I am thrilled with my Capital One Journey Visa. I earn cash back constantly that I can put towards any outstanding balance on my card. It is very easy to do online. I always shop for bargains and paying for those bargains with my Capital One Journey Visa easily increases my savings. Every dollar I earn through the cash back rewards program is money I can pay my bill with that I don't have to taken out of my wallet. I can use this card for anything anywhere. I am rebuilding my credit and Capital One is there helping me one purchase at a time. There is no annual fee more
Apr 14, 2014
Photo of Nichole O.
4
By:
As a student, there are many things that I like about the Journey Student Rewards from Capital One card: no annual fee, a 25% bonus for each month that you pay your full bill, 24-hour travel and emergency assistance, travel accident insurance, and no foreign transaction fee. Additionally, it doesn't require very good credit, which is extremely important for students!
Apr 16, 2014
Photo of Tee R.
Tee Rich
How long did it take for the card to come in the mail?
Feb 3, 2014
Photo of Glenn D.
2
By:
It would seem like the Capital One Student Rewards card is a good thing. It seems like they are really trying to help students out, but the percentage for rewards looks small while the APR looks pretty high. I know it's a care to help students build their credit, but it seems like they are trying to make it sound a lot better than it actually is going to be. I have a Capital card right now, have had it for 3 years, and I still haven't got a credit increase, I can only imagine what they will do for the students.
Jan 16, 2014
Photo of Marci B.
2
By:
I was with capital one for a while. I have to say one of my least favorite cards has to be the Journey Student Rewards card. The rewards are minuscule and not too helpful. I only stayed with this card for a year due to the lack or proper rewards.
Jan 6, 2014
Photo of Sarah M.
4
By:
The Journey Student Rewards card is a really great choice for students. It doesn't require good credit, which is important for student cards. The cash back is a little low, but you get an additional 25 percent every month for paying your bill on time, which is awesome because it rewards good behavior. This card is quite a bit better than the other choice for students, which is a secured credit card like the Capital One Secured Mastercard, which has a monthly fee to use.
Dec 30, 2013
Photo of Vadim A.
4
By:
This is an excellent option for those that are pursuing higher education. The low interest rates combined with a variety of cash back reward options offer an excellent financial package to those that are beginning their credit journey. Personally, this credit card helped me build my credit when I first began college and, after 2 years, I'm still using it and I don't plan on switching anytime soon. The online banking option is also great and very reliable, and I've never had any problem with the quality of their customer service.
Dec 21, 2013
Photo of Patrick B.
4
By:
I picked up this card a while back. I was going into college, needed to pick up a few things before things really got rolling. I was amazed at the time at how easy it was to get the card, the lady at the bank ran me through it quickly and I was out the door. In a few weeks, the card arrived. Unfortunately, the paperwork was arcane and, only a year later did I realize it was a bit of a trap designed to take advantage of college kids without much knowledge of credit. That said, nothing that happened with the card, including being pulled into collections, was technically more
Dec 16, 2013
Photo of Lindsay K.
5
By:
What a great idea! The Journey Student Rewards card from Capital One is great
because it is made just for students who have good spending habits, but don't
yet have a lot of credit history built up. The 1% cash back feature is great, because
there aren't a lot of rewards cards out there for the younger shoppers. The lack of
annual fee is also a huge plus!
Dec 12, 2013
Photo of Mike W.
5
By:
As a college student, I've been searching around for the perfect credit card for quite a while. This card was absolutely perfect for me. The interest rate isn't too bad, there is no yearly fee, and there are plenty of reminders to help you pay your bills on time in order to avoid paying extra. This card is extremely convenient and I recommend it to all college students!
Dec 12, 2013
Photo of Skye H.
5
By:
I got Journey Student Rewards from Capital One when I first started college. It's helped me keep a stable credit, and it really offers a lot of extra bonus for me. The interest rate is reasonable for the target audience of the card, so I can't complain too much there. With that in mind, they have tons of options to help you remember to pay your bills on time, and help you in case you fall behind a little bit.
Dec 9, 2013
Photo of James R.
4
By:
The Capital One Journey Student Rewards card is a great card for building credit. It comes with a lot of extras that most cards can't offer. Access to your credit score, electronic billing reminders, emergency assistance and travelers insurance make this one of the most convenient cards I've ever had. It's basically an American express card that anyone qualifies for but it does't have a $150 yearly fee. The interest rate is a little high at 20% but with the text or e-mail reminders it's easy to remember to pay your bill at the end of the month and avoid the interest rate.
Dec 3, 2013
Photo of Marc C.
4
By:
The Journey Student Rewards from Capital One has many benefits for the first time credit card owner. Things such as 25 day grace period will help those with jobs that pay varying amounts. No annual fee is important to card owners, such as students. Perks such as Travel Accident Insurance and 24-Hour Travel and Emergency Assistance are great for those headed off to college. Having access to your monthly credit score, plus an interactive tracking tool to help monitor your credit will allow first time credit builders, do it right. If I would pick one thing I don't like, it would be the APR, but it's a fairly common rate nowadays.
Nov 28, 2013
Photo of Teresa R.
4
By:
There are many advantages to having a Journey Student Rewards from Capital One credit card that outweighs the high rate of interest, especially if you pay your bill in full and on time each month. It is an excellent way to build your credit rating, but you need to be aware that a very low score could have you turned down and you might need to start with a secure card which may require a deposit. No annual fee, low beginning limits, customizable texts and email alerts to keep you on track, monthly access to your credit report, cash back and rewards for prompt payments are excellent tools to help more
Nov 24, 2013
Photo of Jay F.
5
By:
This Capital One Visa card is focused on students and accepts those with fair or limited credit history. Considering this, the regular rate is fair at just under 20%. For those starting out, this is a fair card and worth considering for that alone. For young people, and their parents, there is also the added assurance that this card provides with the 24 hour emergency and travel assistance feature. With this feature the owner of this card can call their emergency number that Visa provides and they will put you in touch with the assistance you need. This includes referring you to an attorney, arranging emergency transportation home or to more
Nov 15, 2013
Photo of Ralph T.
5
By:
The main thing I like about my Journey Student Rewards card is that there is no annual fee. As a student I'm just getting by and doing whatever I can to be independent. Building my credit score for the future is something I am working on as well. The e-mail and text alerts are very helpful as well as it's nice to know if someone has gained access to your account or you just need to be reminded you made a purchase here or there. Thank you Capital One for approving me for this card! Looking forward to possibly extending my credit line in the near future.
Nov 6, 2013
Photo of Alyxandra R.
5
By:
This is a great credit card for someone just starting college, who has never had a credit card before. It's easy to qualify for, since it's designed for people just starting out and they provide you with the tools to build your credit history. Their rewards are also attractive, as you will receive at least 1% cash back on all your purchases. It doesn't sound like a lot, but it can really add up. The interest rate really isn't too bad either, and much lower than many other cards I've looked at. Also, there's no annual fee like you'd get with a secured card – which is often the only more
Nov 2, 2013
Photo of Braden B.
5
By:
The Journey Student Rewards card with Capital One is a great card for a college student. It does not require you to have an excellent credit history. It also does not have an annual fee, which is perfect for those students who may not have the extra money to pay for an annual fee. It comes with some pretty good bonus rewards, but the Amazon Visa with Chase has better rewards, and is perfect if you order a lot of items from Amazon. The rate is pretty high with the Journey Student Rewards card, but that is to be expected with a card that is aimed for with limited credit. more
Oct 30, 2013
Photo of Carla M.
5
By:
Love that I can build my credit in a responsible way, and at the APR rates it wont cost me an arm and a leg! Great to use for my school books, and any other extra that I may need when I start school! I especially am thankful for the emergency travel assistance that you get with the card too, I have never seen that before. All in all, a great starter card, and I like that you don't need a long history of credit to get it.
Oct 25, 2013
Photo of Kyle C.
2
By:
The Journey Student Rewards Card from Capital One is a nice entry level card. This is a nice card for someone that is starting college and trying to establish credit for the future. This is the one of the reasons that I started to get credit cards while I was in college. I like the fact that this card is so easy to apply for, but I do not like that it has a fixed interest rate. I think that if you are a student that you could easily find another card that has a 0% introductory rate, and a rate that it is a lot lower than 19.8%. My more
Oct 25, 2013
Photo of RJ R.
5
By:
This card was very easy to qualify for; I had never had a credit card before and was accepted right away. Because of this card, I have been able to build my credit up to the 700 range while making my usual purchases. Another awesome aspect is that it allows users to earn rewards on everything I buy: In half a year I was able to accumulate $25, which I received right away. Honestly, I would recommend this card to anyone who has never had a credit card before, as it is likely one of the best ways to build credit and earn rewards while doing so.
Oct 18, 2013
Photo of Jay S.
4
By:
I received a pre-qualification letter in the mail, read it over and decided the cash back bonus this card has intrigued me (Currently do not have a rewards card). I received the card within a week. I have been using this card for a few months now have have started using it in place of my normal debit card purchases. The thought of getting 1.25% everything that I buy excites me! This is my second card with capital one, and over my 5 year history with them, they have never disappointed me. The interest is a little steep, but as long as your on top of your credit, this is more
Oct 17, 2013
Photo of Jennifer C.
3
By:
The Journey Student Rewards Card from Capital One seems like a really great card for persons just starting out with their credit. I really like the 1% Cash Back feature and especially the 25% bonus each month you pay your bill on time. That could really add up to a good amout of money! The 25 day grace period is also nice because sometimes things just come up and paying your bill is the last thing on your mind. Also, I like the fact that there is no fee for going over the limit. I just got killed with a fee for doing the same on one of my credit more
Oct 17, 2013
Photo of Ashley H.
3
By:
I am not usually a fan of credit cards, since 9 times out of 10 you wind up in just a large pile of debt that you can never get out of, but with Journey Student Rewards the pros outweigh the cons. I particularly like how straightforward the rewards are for the Citi Dividend Card for College Students and that you don't have to jump through hoops to get a decent rate. I have to admit I am not comfortable with the short grace period of 25 days. But I think that with the cash back rewards and the 25% bonus everything balances out to satisfaction. 24 hour travel and more
Oct 14, 2013
Photo of Tao A.
4
By:
The Journey Student Rewards card from Capital One is a pretty good card to start with to get your credit started. As a card designed for people with fair or no credit, a 1% cash back reward with no annual fee and no limits on reward earnings is fantastic. They also offer a 25% bonus incentive to pay off your balance in full each month. That's a great way to show new credit card users the benefits of not carrying a balance. The APR isn't great but there are worse out there and if you're paying off your card in full each month you don't need to worry about it anyway.
Oct 10, 2013
Photo of David M.
4
By:
This card seems pretty great for a college student just starting out and trying to get some kind of credit rating (ideally, a positive one!) The rewards seem pretty straightforward and the 25% bonus for paying on time could really serve as an added incentive to students to make sure they pay their debts in a timely manner. The no annual fee is something I always look for in a card, which this card offers. If there are so many credit cards out there with no annual fee, why would I pay someone to take my money? I think I can compare this card and its offers pretty well with more
Oct 6, 2013
Photo of Jesse S.
4
By:
Man, I wish I would of got this credit card instead of the one I had in college. The Journey Student Rewards has no annual fee and you get 1 percent back on all of your purchases. The best part of it all is you get 25 dollars a month, just for paying your bill on time every month. I can't believe that one. The card I had was a simple U.S. Bank College Visa Card. It had no rewards and it didn't offer any cash back rewards either. The interest rate was lower on the U.S. Bank College credit card but that's out weighed by all the rewards of more
Oct 6, 2013
Photo of Aliciadine S.
4
By:
I like a lot of the advantages with the Journey Student Rewards from Capital One. I especially like the fact that they have 24 hour travel and emergency assistance. A student is often on the road visiting their family and this is a good thing to have. I also like the fact that you have access to your credit score. I have an account now visa prepaid card which does not have either of these features. I do not like the high rate for getting a cash advance rate. It would be nice if that were lowered.
Oct 2, 2013
Photo of Jordan W.
4
By:
The Journey Student Rewards from Capital One is an interesting proposition for college students on a tight budget. The rewards program offers a 25% bonus rewards each month that your bill is paid on time, which is a great incentive and a good way for a student to become accustomed to being timely with payments. The interest rate is pretty high at 19.8%, but this is expected on a student card, since credit will be fairly limited in these cases. The 1% cash back may seem really low, but it can be worth it just to build your credit effectively!
Sep 25, 2013
Photo of Timpani P.
2
By:
Although the cash back rewards and the 25% bonus on time payment for the Journey Student Rewards from Capital One are tempting, let’s face facts that this is a credit card designed for students. A credit card designed to get students used to buying their lives on credit. It would be better to have students take out more student loans, and have a fixed amount they know they cannot spend, than to take out a credit card and get themselves started on the journey to high interest rates and even higher debt. Student loans at least have the deferment option, whereas the choices for credit cards are either pay for more
Sep 20, 2013
Photo of Andi R.
5
By:
The Journey student rewards card from capital one does exactly as it says a card designed to help students control their funds. As you only need limited credit history and there is no fee to begin with it makes it easy for you to qualify and get the card. One of the best features of this card is that for each month you pay on time you get an extra bonus of 25%! This means you learn the importance of managing your money and get rewarded for doing so. My first card was a chase credit card and the customer service really annoying but the journey card is much better. more
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Jul 8, 2013
Photo of Bailey W.
By: Bailey Wilhite
I'm about to start my second year of college and my credit score is 597. I had a bad account on my credit report from not paying a hospital bill I did not know I had. I paid off the bill back in April and this my current score. I applied for a wells fargo student card before I knew about the missed payment on my credit report and was denied. I want to apply for this one so I can start building my credit but I do not want to get denied again. Do I have a good chance of getting approved?
Jul 8, 2013
Photo of Card H.
Card Hub
Unfortunately, we won't be able to tell you whether or not you will get approved - that's entirely up to the credit card company. I can tell you that your recent history is more important than your past history. Since your repayment of your old debt was very recent though, it is likely still playing a big role in determining your credit score and risk. Paying it off was a big, big step in the right direction, but you'll need some positives on your report to balance it out in the meantime. If you suspect that you will get declined a second time, then taking a look at a secured more
Jul 29, 2012
Photo of Rachelle K.
By: 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 more
Jul 10, 2012
Photo of Tammy C.
By: Tammy Chen
I just rejected for this card because I had no credit history what can I do :(?
Jul 10, 2012
Photo of Card H.
Card Hub
Sorry to hear that you were declined. You should apply for a secured credit card so that you can build your credit history: http://www.cardhub.com/credit-cards/secured/
Jun 14, 2012
Photo of Lane H.
By: Lane Horton
What is the starting amount u can spend?
Jun 15, 2012
Photo of Card H.
Card Hub
As a college student you can expect a credit limit between $300 and $500, but if you have no credit history whatsoever you will most likely be closer to the $300 range. If you want total control of your credit limit then you should opt for a secured credit card, which require a refundable security deposit.
Dec 4, 2011
Photo of Debi B.
By: Debi Brooks
What? I never applied here.
Dec 5, 2011
Photo of Card H.
Card Hub
Hi Debi - We are not sure what is your question in regards to the Journey Student Credit Card. Please let us know how we can help.
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Last updated on: Aug 23rd, 2014 at 8:22 EDT