Credit Cards (US)

Journey Student Rewards from Capital One review

In this Journey Student Rewards from Capital One review post, we will show you how this card can help you build your credit history while earning cash back on all purchases!

Disclosure: This product is no longer available for new applicants as of 04/17/23.

Journey Student Rewards from Capital One: build your credit and earn cash back!

Check out our Journey Student Rewards from Capital One review. Source: The Mister Finance.
Check out our Journey Student Rewards from Capital One review. Source: The Mister Finance.

Another great card from Capital One that allows you to build your credit history while earning rewards is the Journey Student Rewards, and you’ll learn all about it in this review.

It offers a welcome bonus for new account holders, rewards, no annual or foreign transaction fees, and it is well-reviewed by customers who already use it.

It provides an excellent mobile app, credit line reviews, access, and credit monitoring through CreditWise, and more. 

Also, you can pre-qualify without the risk of harming your credit. 

Find out more about this card by reading this entire article!

Credit ScoreFair – Good.
FeesAnnual fee: $0;
Foreign transaction fees: $0;
Cash advance fee: 3% of the amount of the cash advance, but not less than $3.
Late payment fee: Up to $40.
Regular APRPurchase APR: 29.99% (Variable);
Balance Transfer APR: 29.99% (Variable);
Cash Advance APR: 29.99% (Variable).
Welcome bonusNo current welcome bonus.
RewardsUnlimited 1% cash back on all purchases
Cartão Journey Student Rewards from Capital One

How to apply for Journey Student Rewards card?

Earn cash back with a Journey Student Rewards from Capital One credit card! Check out how to apply for it!

How does the Journey Student Rewards from Capital One credit card work?

If you don’t have a good credit history, you may find it challenging to be approved in an application to hold a credit card, and usually, you don’t get rewards when using a card made for those with less credit score.

But Capital One helps you with that. The Journey Student Rewards card is an excellent option for those who carry fair credit, and it allows you to work on your credit journey.

And while doing this, you get 1% cash back on all purchases, with no annual or foreign transactions fees.

Plus, it considers automatic credit line reviews in as little as six months. 

Moreover, it features a great mobile app, a 24/7 virtual assistant, CreditWise tool to access and monitor your credit profile.

Finally, you can get all the Capital One account benefits. To learn more about it, keep reading right below!

Journey Student Rewards from Capital One benefits

See what are the benefits of the Journey Student Rewards from Capital One.
See what are the benefits of the Journey Student Rewards from Capital One.

This card is an excellent opportunity for students to build credit history and think about the future. Also, if you don’t have a good credit score, it might be an alternative for you to re-establish your path.

Although the APR is relatively high, this credit card offers a welcome bonus, unlimited 1% cash back on all purchases, a great mobile app with a virtual assistant, and tools that help you monitor your credit journey. 

And all of that with no annual or foreign transaction fees.

Furthermore, it provides $0 Fraud Liability, security and account alerts, and 24/7 helpful customer service.

Pros

  • It doesn’t charge any annual or foreign transaction fees;
  • You can get unlimited 1% cash back on all purchases;
  • It helps you build your credit history;
  • You can be considered for a credit line review in as little as six months;
  • It provides a mobile app with Eno, a virtual assistant;
  • You can access and monitor your credit profile with CreditWise from Capital One;
  • Feel peace of mind with a $0 Fraud Liability, security, and account alerts.

Pre-approved credit cards for low credit score available now

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Cons

  • The variable 29.99% APR is relatively high.

How good does your credit score need to be?

Even if you have a fair or limited credit history, you can apply for it. 

It is an excellent opportunity for students, people new to the U.S., or authorized users on someone else’s card, to have a credit card to call it theirs. 

How to apply for Journey Student Rewards from Capital One?

If you want to find out if you are eligible to get your Journey Student Rewards from Capital One, read our next post and learn to apply or pre-qualify for one today!

Cartão Journey Student Rewards from Capital One

How to apply for Journey Student Rewards card?

Earn cash back with a Journey Student Rewards from Capital One credit card! Check out how to apply for it!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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