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  Journey Student Credit Card from Capital One
Journey Student Credit Card from Capital One Claimed

Journey Student Credit Card from Capital One

Claimed
SuperMoney Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

10 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR 26.99%
Balance Transfer APR 26.99%
Credit Score Range 640 - 720
Annual Fee $0
Number of Reviews 10

Journey Student Credit Card from Capital One Review

This is a credit card issued by Capital One. If you're wondering whether Capital One Journey card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Capital One Journey card
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Journey Student Credit Card from Capital One reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
Capital One Journey card FAQ

Does Capital One Journey card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Capital One Journey card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Capital One Journey card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Journey Student Credit Card from Capital One has a variable purchase APR of 26.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 26.99% .

Does Capital One Journey card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Capital One Journey card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Capital One Journey card?

The following fees apply:

Capital One Journey card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Capital One Journey card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the support contact email for Capital One Journey card?

The support contact email for Capital One Journey card is support@capitalone.com.

What is the Capital One Journey card login page?

You can access the Capital One Journey card login page here.

How do people rate the customer service and user experience of Capital One Journey card?

Overall, Capital One Journey card is strongly recommended based on community reviews that rate customer service and user experience.

Does Journey Student Credit Card from Capital One report your account activity to credit bureaus?

Yes, Journey Student Credit Card from Capital One reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Capital One Journey card

  • Visit the Capital One Journey card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Late Fee Amount Up to $40
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 720
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • 1% - 1.25% Cash Back on
Cash Advance APR 26.99%
Balance Computation average daily balance (including new transactions).
Purchase APR 26.99%
Balance Transfer APR 26.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Student
  • Cashback
Card Network Mastercard

Journey Student Credit Card from Capital One Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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