Last Updated: 07/28/2025
Journey Student Credit Card from Capital One
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in Credit Cards from Capital One
Last Updated: 07/28/2025
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 720
Annual Fee
$0
Number of Reviews
Journey Student Credit Card from Capital One Review
This is a cashback credit card issued by Capital One. If you're wondering whether Journey Student Credit Card from Capital One is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for Capital One Journey card 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.
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 to the following credit bureaus:
- 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 build your credit.
Does Capital One perform a hard credit pull?
Yes, Capital One Journey card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Capital One Journey card
- Visit the website of Capital One Journey card.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
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Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.9% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Journey Student Credit Card from Capital One Community Reviews
Would you recommend Journey Student Credit Card from Capital One to your friends?
AT
Angela T.
Jun 15, 2023
May or may not recommend
I would recommend this card because it has decent insert rates and it would be a decent car to have in your wallet
HS
Hannah S.
Apr 19, 2023
May or may not recommend
Such a good started credit card for those who are trying to build credit. This card/account helped my build my credit in a big way. The app made it easy to track my progress and spending and really low fees.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Highly recommend as a first credit card for young adults trying to establish credit without annual fees.
SW
Sue W.
Nov 17, 2022
May or may not recommend
Highly recommend as a first credit card for young adults trying to establish credit without annual fees.
KA
Khawaja A.
Oct 7, 2022
May or may not recommend
I would recommend this to all the students with low monthly budgets because they have really competitive rates and moreover they have 0 annual fees. Overall, I am satisfied
R C.
May 10, 2022
May or may not recommend
This was a good first credit card for me to use to boost my credit, as the credit line started lower than most competitors' minimum amount and has steadily increased as I have maintained a perfect payment record. This is the ideal card to build credit by making small purchases and promptly paying them off, as it is one of few credit cards with no annual fee and it offers ...Show More
JL
Jamie L.
Feb 22, 2022
May or may not recommend
I applied for this credit card to boost my credit and it definitely helped! Capital 1 has some of the best reward dollars for purchases, especially on Amazon, and their customer service is always ready to assist you.
RA
Raphael A.
Jan 19, 2022
May or may not recommend
I was one of those lucky Americans who was unemployeed for a matter of sometime and had some credit cards become deliquent and put a neg ding on my credit but those have all been resolved and cleared but still show on my good ol credit report! Also I got penailzed for having some cards with a $0 balance and they closed them which made my score worse. I used ...Show More
SW
Sophie W.
Jan 11, 2022
May or may not recommend
great card for a student starting to build credit !
AC
Alyssa C.
Jan 8, 2022
May or may not recommend
This credit card is a must for any student! Capital One is a great company and I love the rewards we get from this card. Only con is it is a very high APR rate, if you care about that.
MF
Molly F.
Jul 9, 2021
May or may not recommend
This credit card is a great starter card for college students or young adults with little to no credit history. They initially approved me for a very low credit limit, which was great because it allowed me to get the hang of using a credit card with very little risk involved. I would recommend this credit card to new users.
KH
Keith H.
Jul 4, 2021
May or may not recommend
I used to use this card for a brief period of time and I actually loved it! The customer service was a bit iffy though, I had weird experiences with that part of this company.
CH
Chelsea H.
Sep 30, 2020
May or may not recommend
I would definitely recommend this credit card company. They have quick customer service response, reasonable interest rates, and so many cash back offers and rewards you can earn. My favorite feature of this card is that the cash back you earn you are able to place right back on the card towards your purchase! The app featured by the company is user friendly and an easy way to check balances ...Show More
EH
Evan H.
Sep 9, 2020
May or may not recommend
This was my first card to start building my credit history. Capital One helped me survive college with receiving a little cash back in return. Low rates because it was considered a student card. They really understand the importance of not killing the user with high interests rates. The customer service agents were ver helpful and willing to help in any way. Highly recommend to all college students.
JH
Jeffrey H.
Aug 17, 2020
May or may not recommend
This was my first ever credit card. I got it as a student and still have it ten years later. They approved me with no credit history for a couple hundred dollars and increased it every three months or so as long as payments were made on time and there was a small balance on the card. The card does have a small cash back program, so really I have ...Show More
Showing 15 of 15 reviews
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