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  Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

in Personal Credit Cards from Capital One

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Journey® Student Rewards from Capital One®

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in Personal Credit Cards from Capital One

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Highlights
Highlights
Purchase APR  (Variable APR) 26.99%
Balance Transfer APR  (Variable APR) 26.99%
Credit Score Range 640 - 720
Annual Fee $0

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% .

Does Journey® Student Rewards from Capital One® have an introductory APR offer on balance transfers?

No, Journey® Student Rewards from Capital One® does not come with an introductory APR offer for balance transfers.

Does Journey® Student Rewards from Capital One® have an introductory APR offer on new purchases?

Journey® Student Rewards from Capital One® does not offer an introductory rate on new purchases.
Journey® Student Rewards from Capital One® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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® have a foreign transaction fee?

Journey® Student Rewards from Capital One® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

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...

Availability

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

Feature Breakdown

Every Purchase (Points) Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
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 $39
Customer Type Student
Minimum Age 18
Credit Score Range 640 - 720
Card Type
  • Cashback
  • Student
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Free FICO Score  
Rewards Categories Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 26.99%
Balance Computation average daily balance (including new transactions).
Purchase APR (Variable APR) 26.99%
Balance Transfer APR (Variable APR) 26.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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