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Journey Student Credit Card from Capital One
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Community Rating | Strongly recommended |
Purchase APR (Variable APR) | 26.99% |
Balance Transfer APR (Variable APR) | 26.99% |
Credit Score Range | 640 - 720 |
Annual Fee | $0 |
Number of Reviews | 13 |
Journey Student Credit Card from Capital One Review
This is a cashback credit card issued by Capital One. If you're wondering whether Capital One Journey card is the right card for you, read on.
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 cashback card. It gives you cashback on your eligible purchases, 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 rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation insurance, 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 |
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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. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
What are the Capital One Journey card benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- 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:
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 cashback 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 customer service phone number for Capital One Journey card?
The Capital One Journey card customer service number is (877) 383-4802.
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:
- Equifax
- Experian
- Transunion
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.
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 USA - (877) 383-4802
- Visit Site
- Email Support
Other Services by Capital One
Availability
- Alabama
- Alaska
- Arizona
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- California
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- Delaware
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- Hawaii
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- Washington, DC
- West Virginia
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Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 3% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Late Fee Amount | Up to $40 |
Journey Student Credit Card from Capital One Community Reviews
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