JourneySM Student Rewards from Capital One®
Sponsored Card
- Minimum Credit Required:
Fair, Limited History - Annual Fee:None
- Network: VISA
Cash Back
| 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.
- $0 Fraud Liability if your card is lost or stolen.
- 24-Hour Travel and Emergency Assistance.
- Emergency card replacement or cash advance.
- Max Late Fee: $35
- Max Overlimit Fee: N/A
- 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.
JourneySM Student Rewards from Capital One® is an Editor's Pick for
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The card information shown on this page was last updated: May 23rd, 2012 at 1:05 EDT
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It seems like it was sooo long ago that I was in college, but believe it or not, I still remember what it was like. Heading to Williams-Brice Stadium on Saturdays in the Fall must help! Aside from tailgates, one thing I remember about college is having to figure out how to handle my own finances and in particular how to use a credit card responsibly. As I learned following graduation, it’s really important to get yourself on the road to a good credit score early because this just makes everything else, from finding an apartment to getting a job, that much easier. That means you need to find a good student credit card, and the Capital One Journey Student Credit Card will be a popular candidate. Don’t worry, the Cap One Journey Card doesn’t give you points or miles toward seeing Journey in concert or anything like that, in fact I think the whole “Journey” aspect of the name is meant to speak to the whole “find your way” college experience and the beginning of your credit career. At any rate, I doubt you care why this card is named what it is, you want to know whether or not to get it. So, I’ll do for you what I did to choose between guys in college, make a pro/con list. Pros - The fact that the Journey Student Credit Card offers cash back rewards is great because they are the most straightforward of all rewards types (you know exactly what they’re worth). - The fact that it gives you the same cash back rate across all purchases is great too because you don’t need to worry about whether a given expense qualifies for a certain category or sign up for rotating categories. - The fact that you get a cash back bonus for paying on time is also great because it helps you build good habits. - It’s HUGELY important that the Journey Card doesn’t have an annual fee. Your goal at this point should be to build credit and save money. Cons - There’s no low intro interest rate. - There are no heightened rewards on specific spending categories important to students. Overall it shouldn’t really matter that the Journey Card doesn’t have low rates because it should be your goal to always pay your bill in full anyway. This just goes back to the fact that you want to build credit and save money, and the Capital One Journey Card helps you do both. That’s why it’s usually regarded as one of the best student cards, but you don’t have to take my word for it. I’d compare other offer before you apply for the Journey Card (pay special attention to the Citi Dividend Platinum Select Credit Card for College Students.
What? I never applied here.
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.