Features

Students with average credit frequently find themselves limited to credit card with relatively low credit limits and few rewards – or piggyback on their parents' credit cards. The Capital One Journey Student Reward Card allows such students to obtain a credit card on their own which features a generous rewards program. Even better, students who handle their accounts responsibly can obtain increased credit limits.

Who Is Journey Student Rewards From Capital One For?

The name says it all: the Capital One Journey Student Rewards Card is intended exclusively for college and university students. It is not for general consumer use or for business owners or entrepreneurs.

What Are The Rates for Journey Student Rewards From Capital One?

Purchases and balance transfers have a rate of 20.74% APR.

What Are The Fees for Journey Student Rewards From Capital One? 

There are no annual fees. There are no foreign transaction fees. Late payments incur a penalty of up to 35 dollars. Cash advances are also charged either 10 dollars or 3 percent of the total transaction, whichever is greater.

Does the Journey Student Rewards From Capital One Card Offer Rewards?

Like other Capital One rewards credit cards, the Capital One Journey Student Rewards card features a cash back program – with no quarterly rotating categories. Instead, cardholders earn 1 percent cash back on every dollar spent using the card, plus a 25 percent bonus for each month that payments are made on time.

How Is Journey Student Rewards From Capital One Better Than Other Credit Cards?

The Capital One Journey Student Credit card is a great card for students with average credit. There aren't a lot of flashy bells and whistles – just straight up cash back rewards without requiring students to jump through hoops. And with responsible handling of their accounts, students can eventually qualify for cards with more generous rewards.

  • Credit Score Range
    640 - 720
  • Minimum Age
    18
  • Customer Type
    Student
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $35
  • No Annual Fee
  • No Foreign Transaction Fee
  • Card Type
    • Student
    • Rewards
  • Card Network
    Visa
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Travel Insurance
  • Cashback
  • Balance Computation
    average daily balance
  • Purchases APR (variable)
    Starting at 20.74%
  • Balance Transfer APR (variable)
    Starting at 20.74%
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