Capital One Journey Student Rewards

Capital One Journey Student Rewards card art
Our Take

The Capital One Journey Student rewards credit card is perfect for students who have average credit. Perhaps they've purchased a car, opened a store card or paid off a small personal loan, but don't have a long-established credit history that will help them later in life. Having a good to excellent credit score built on great habits is an important part of adulthood that young people must embrace, and that's what the Journey Student Rewards card allows them to do.

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Learn Moreand find out how you can apply here

Features

Everyday Rewards

1%

Annual Fee

$0

Deposit

$0

APR

26.99%

Annual Fee
None
Foreign Transaction Fee
None
Why We Like It:

"Choose your payment date"

Recommended Credit:
630689
Fair Credit

Our Review

If you’re a college student, you may be painfully aware of how important it is to start establishing a solid credit history. Maybe you’ve recently bought your first car or taken out a loan and have realized just how difficult that can be without previous credit. The Capital One Journey Student credit card is a sound choice for students looking to get a better credit score and build good habits that will follow them in life. Here’s why:

  • It only requires an average credit score
  • It offers opportunities to be rewarded for good habits
  • Pick your monthly due date and get a higher credit limit when you pay on time

With this card, students with average credit can build on their existing FICO score to open the door to more financing options. The Capital One Journey Student card allows students to monitor their FICO score online in the credit card dashboard. It also rewards students with extra point bonuses for making payments on time. If you make your monthly payments for several months straight, without missing a payment deadline, you could be eligible for a higher credit limit.

That’s in addition to cash back rewards on purchases, which isn’t a typical perk of cards for moderate credit. Because Capital One is taking a risk on students who want to build credit, you may find the APR for this card is on the higher side. It will benefit you to pay on time and not carry a balance. However, this is a good choice for students who need to get more access to credit and learn how to use it the correct way.

Highlights
  • Great for building your credit if used responsibly.
  • Receive 1% cash back on every purchase, pay on time and boost your cash back to 1.25% for that month.
  • Choose your payment date.
  • Gain access to a higher credit line after you make your first 5 monthly payments on time.
Ratings

Cashback Reward

4

Purchase APR

3.5

Annual Fee

5

Foreign Transaction Fee

5

Overall

4.5

Overall
4.5
Learn Moreand find out how you can apply here