Journey® Student Rewards from Capital One® is a student cash back credit card from Capital One that lets students earn cash rewards on all their spending, minus returns and credits, while building a credit score when they are still in college. There is no limit to how much cash rewards you can earn using Journey® Student Rewards from Capital One® and there is an easy way for you to earn 1.25% cash back on all your spending instead of 1%. Although this card has no annual fee, it comes with a host of tangible perks and benefits such as extended warranty, travel accident insurance coverage, fraud protection and more.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Journey<sup>®</sup> Student Rewards from Capital One<sup>®</sup>

Journey® Student Rewards from Capital One®

  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

N/A

26.46% (Variable)

$0

Why we like it
  • 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.
We least like
  • No introductory low APR period.
Average, Fair, Limited

Here, GET.com provides answers to key questions about how Journey® Student Rewards from Capital One® works and what it offers.

Apply for Journey® Student Rewards from Capital One® at the official Capital One website

Frequently Asked Questions About Journey® Student Rewards from Capital One®
Do I get a welcome bonus if I go for this card?
Is this a good rewards credit card?
Are there ways to earn additional cash back?
Do I get any special benefits from this card?
Does this card have an annual fee?
Is this a good card for international spending?
Is this card good for purchases?
Is this card good for balance transfers?
Is this card good for taking cash out of the ATM?
Will my cash back expire?
Is there a penalty if I pay late?
Can I get this card even if I have bad credit?
Do I get access to my credit score?
Who is this card for?

Questions And Answers For Journey® Student Rewards from Capital One®

Question: Do I get a welcome bonus if I go for this card?

Answer: No, Journey® Student Rewards from Capital One® does not offer a welcome bonus for new cardmembers.

Question: Is this a good rewards credit card?

Answer: Yes, Journey® Student Rewards from Capital One® lets you earn 1% cash back on all your purchases, minus any credits or returns. This is great because you can earn rewards on literally anything you purchase, making this a versatile card to use on the regular. There is no limit to the amount of cash back rewards you can earn on purchases - the more you use your card, the more cash back you will earn.

How can you redeem your rewards? You may get your cash back upon request in the form of a check or a statement credit. To make the redemption process simpler for yourself, you might want to set up an automatic redemption preference. For this option, you can have your cash back automatically redeemed (i) when a specific threshold ($25, $50, $100 or $200) has been reached; or (ii) at a set time each calendar year, such as on your birthday, on Christmas, on 31 December, or whenever you choose.

If you want, you can also redeem your cash back rewards for gift cards, credits for previous purchases and more.

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Question: Are there ways to earn additional cash back?

Answer: Absolutely! Paying your credit card bill punctually pays off. Not only do you avoid nasty interest charges and late payment fees, you can boost your cash back to a total of 1.25% for that billing cycle if you pay on time. Capital One will apply the extra 0.25% cash back earned for that billing cycle to your rewards balance within two billing cycles.

Question: Do I get any special benefits from this card?

Answer: Yes, you can get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time. It is always a good idea to have a higher credit line extended to you just in case you ever need to pay for bigger ticket purchases, such as laptops, printers, textbooks, etc.

Additionally, with Journey® Student Rewards from Capital One® you are covered by $0 Fraud Liability against fraudulent purchases made on your account if your credit card is ever stolen or lost. You also enjoy benefits like travel accident insurance, extended warranty, auto rental collision damage waiver, 24-hour travel assistance services, security and account alerts, etc. Terms, conditions & exclusions apply.

Question: Does this card have an annual fee?

Answer: Nope, you do not have to pay to take advantage of what Journey® Student Rewards from Capital One® has to offer. This card has no annual fee.

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Question: Is this a good card for international spending?

Answer: Yes, this card has no foreign transaction fees, so you will not have to pay a transaction fee when you make purchases outside of the United States in foreign currencies. This perk makes Journey® Student Rewards from Capital One® a great card to bring with you whenever you travel overseas.

Question: Is this card good for purchases?

Answer: Journey® Student Rewards from Capital One® has a 26.46% variable APR for purchases, based on your creditworthiness. While it does not offer a low introductory APR on purchases, remember you still get to earn 1% cash back purchases on all purchases you make, making this card a more rewarding option than if you were to pay in cash. Besides, paying your monthly bill on time will let you earn 1.25% cash back for that month instead of 1%.

Question: Is this card good for balance transfers?

Answer: Although Journey® Student Rewards from Capital One® does not have a balance transfer fee, it has a 26.46% variable APR for balance transfers. Also, Journey® Student Rewards from Capital One® does not offer a low introductory APR on balance transfers. That's definitely something you want to keep in mind.

Question: Is this card good for taking cash out of the ATM?

Answer: No, you do not want to use Journey® Student Rewards from Capital One® to get cash from the ATM. This card has a 26.46% variable cash advance APR and a cash advance fee of either $10 or 3% of the amount of each cash advance, whichever is greater. That is a lot of extra fees you need to shell out just for getting money out of the ATM with this card.

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Question: Will my cash back expire?

Answer: No, your cash back rewards are yours for the life of your account so long as it remains open and in good standing. They do not have an expiry date. However, you will lose any rewards you have not redeemed if your account is closed for any reason.

Question: Is there a penalty if I pay late?

Answer: Yep, there is a late payment fee of $35 late payment fee if you do not pay on time.

Question: Can I get this card even if I have bad credit?

Answer: Journey® Student Rewards from Capital One® is designed for college students who want to build a credit score while studying, so understandably, you do not have to have excellent or good credit to apply for this card. This card is available to you if you have average, fair or limited credit.

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Question: Do I get access to my credit score?

Answer: Yes, Journey® Student Rewards from Capital One® gives you unlimited access to your credit score as well as tools to help you monitor your credit profile with CreditWise from Capital One. This benefit is complimentary.

Question: Who is this card for?

Answer: Journey® Student Rewards from Capital One® is a student cash back credit card that lets you build a credit score while you are still in college. This card can be rewarding if you make an effort to pay your monthly credit card bills on time; opting to automate payment for your bills is a great idea! This card acts as a teacher in your journey towards building good credit by motivating you to pay on time and never carry balances.

Journey® Student Rewards from Capital One® lets you get an extra bonus on the cash back you already earn each month from your spending as long as you pay your bill punctually by the due date. This means that instead of the 1% cash back that you earn on your purchases, minus returns and credits, you will earn 1.25% cash back instead. Not only is paying your monthly bill on time a great way for you to earn more cash back while you are at it, in a way, you are also building up good credit for yourself.

Besides letting you earn unlimited cash back on literally all the purchases you make, this card that has no annual fee also comes with awesome perks like travel accident insurance, extended warranty, auto rental insurance, no foreign transaction fees, fraud coverage and more. Your cash back rewards do not expire so long as your account is open and in good standing, and you can redeem them in a number of different ways.

More about Journey® Student Rewards from Capital One®:
Read Our Journey® Student Rewards from Capital One® Review
Featured Student Credit Card Offers
Best Student Credit Cards For 2018

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