Journey® Student Rewards from Capital One® Review

Journey® Student Rewards from Capital One® is a cashback credit card issued by Capital One. If you're wondering whether Journey® Student Rewards from Capital One® is the right card for you, read on. This is everything you need to know 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.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
• 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, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

Journey® Student Rewards from Capital One® Pros and Cons:

The Good	The Bad
No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Free access to your credit score. Travel accident and travel assistance insurance. No foreign transaction fee. Earn rewards on every purchase. Journey® Student Rewards 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.

Is there a Journey® Student Rewards from Capital One® cash back or rewards program?

No, Journey® Student Rewards from Capital One® does not offer a rewards program. Journey® Student Rewards from Capital One® is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the Journey® Student Rewards from Capital One® benefits?

Journey® Student Rewards from Capital One® provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Journey® Student Rewards from Capital One®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Journey® Student Rewards from Capital One® has higher than average purchase APRs.

Journey® Student Rewards 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% .

What are the fees for Journey® Student Rewards from Capital One®?

The following fees apply to Journey® Student Rewards from Capital One®:

Journey® Student Rewards from Capital One® Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Late Payment Fee	up to $39

Does Journey® Student Rewards from Capital One® report your account activity to credit bureaus?

Journey® Student Rewards 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 can help improve your credit.

How to apply for Journey® Student Rewards from Capital One®

• Visit the Journey® Student Rewards from Capital One® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.