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Journey Student Rewards from Capital One review

The Journey Student Rewards from Capital One credit card is a tool for young Americans to build good financial habits with responsible use. This credit card for students with limited, fair or average credit uses Capital One's features and benefits as incentives to reward responsible saving and spending.
By Christina Majaski  CardRatings Contributor  | Updated

Journey Student Rewards from Capital One

Journey Student Rewards from Capital One
Our Rating:   
Average, Fair, Limited

CardRatings Editor's Analysis: Pros & Cons

  • Earn a bonus on the cash back you earn each month you pay on time
  • Earn cash back with no annual fee or foreign transaction fees
  • Potential to access a higher credit line in as little as six months.
  • Students who plan to carry a balance may want to consider a card with a lower APR. You can avoid this by paying your balance in full each month.

JOURNEY STUDENT REWARDS FROM CAPITAL ONE BENEFITS

Parents, legislators and consumer advocates have debated the merits of student credit cards, especially after allegations of questionable marketing practices on college campuses. That's why it's great to see how Capital One has promoted its Journey Student Rewards from Capital One credit card as a tool for young Americans to build good financial habits with responsible use. This credit card for students with limited, fair or average credit uses Capital One's features and benefits as incentives to reward responsible saving and spending.

According to research conducted by Auriemma Consulting Group, consumers born after the 1980s tend to rely more on checking account debit cards and on prepaid debit cards instead of on credit cards for daily purchases. They tend to manage money well, but may be missing out on some of the biggest benefits of using credit cards. Journey Student Rewards from Capital One offers MasterCard benefits that include:

  • $0 fraud liability if your card is ever lost or stolen. Stolen or lost debit cards can put your cash at risk, at least for a little while.
  • Travel assistance services. Studying abroad and setting out on spring break become safer and simpler with help from a 24-hour response team that can dispatch replacement credit cards and cash advances.

Like other Capital One credit cards, Journey Student Rewards doesn't charge fees for foreign transactions for international purchases making it an ideal travel companion for quick overseas trips or extended stays abroad.

Top Features

 Cash Back on Gas
1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time.
 Cash Back on Groceries
1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time.
 Cash Back on Other
1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time.

HOW TO EARN WITH JOURNEY STUDENT REWARDS FROM CAPITAL ONE

Even with a strong slate of premium features, Journey Student Rewards really shines by connecting cash back rebates to responsible credit card use. In addition to the 1% cash back common among many of today's best cash-back rewards cards, Journey Student Rewards will boost your cash back to a total of 1.25% each month for cardholders who pay their bills on time.

JOURNEY STUDENT REWARDS FROM CAPITAL ONE CREDIT CARD LIMIT

Your credit limit is determined by your creditworthiness and other factors. The good news is that this card offers automatic credit line reviews so you might qualify for an increase in as little as six months. So, if you get your credit card and it happens to have a lower limit than you expect, use your card responsibly and you could be eligible for a credit limit increase in no time.

JOURNEY STUDENT REWARDS FROM CAPITAL ONE CARDHOLDER SCORES

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:
Current Scores Past Scores
Overall Score 80.9 80.6
Rewards Program Satisfaction 7.9 7.9
Customer Service 8.3 8.0
Website/App Usability 8.3 8.0
Likelihood of Continuing to Use 8.4 8.4
Recommend to a Friend/Colleague 8.1 8.2

HOW DOES THE JOURNEY STUDENT REWARDS FROM CAPITAL ONE COMPARE TO OTHER CARDS

Journey Student Rewards from Capital One vs. Capital One SavorOne Student Cash Rewards Credit Card

The Capital One SavorOne Student Cash Rewards Credit Card is also a great card for students who are just starting out with credit. This card offers more in terms of rewards, but you'll also need to do a better job of keeping up with reward categories.

Cardholders earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) as well as 1% on all other purchases. Additionally, through January 2023, earn 8% cash back on tickets at Vivid Seats. For students, these might be the categories you end up spending the most on and to truly maximize the rewards here, you need to actually spend in these categories. Otherwise, you earn a flat 1%.

There isn't an opportunity for streaming credits with this card, nor is there an option to increase your rewards earning by paying your bill on time (though, obviously, you still want to do that).

Journey Student Rewards from Capital One vs. Discover it® Student Cash Back

If you're a student with fair to limited credit, you might consider the Discover it® Student Cash Back for building your credit. This card also awards one of the highest rewards rates for student cards. You'll earn 5% cash back each quarter in rotating categories such as gas, restaurants and online shopping on up to $1,500 spent each quarter (quarterly activation required), and 1% cash back on all other purchases.

Plus, Discover will match the cash back you earn at the end of your first year. With the opportunities to earn cash back on your spending, especially with that first-year match offer, you could end up racking up a good amount. This could be considerably more than you might earn with the Journey card.

Journey Student Rewards from Capital One vs. Capital One Platinum

The Capital One Platinum Credit Card is another card designed for those who are just starting out and don't have much credit. If you have fair or limited credit, you may qualify for this card, and through responsible card management, you'll be on your way to earning better credit. However, this card has no rewards program or special bonuses, so you won't earn anything extra using your card.

If you want to earn a little more with your purchases, you might be better off with the Journey card where you can earn as much as 1.25% cash back, when you make your payments on time.

IS THE JOURNEY STUDENT REWARDS FROM CAPITAL ONE CREDIT CARD A GOOD CARD FOR STUDENTS?

So, should you try out the Journey Student Rewards from Capital One? You won't really be able to switch to Journey Student Rewards unless you're a student. This card is designed for students who are just starting out and might not have much of a credit score. For that reason, you can expect a fairly high APR, so it's important to make sure you pay off the balance each month.

Otherwise, if you're looking for a card to build your credit with, the Journey Student Rewards from Capital One is one of the best cash-back credit cards for students you'll find.


Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted.

Journey Student Rewards from Capital One Compared to Other Cash back Cards

Apply online for Deserve® EDU Mastercard for Students
Deserve® EDU Mastercard for Students
Apply online for Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Cash Back on Gas
1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time. 
Cash Back on Gas
1% 
Cash Back on Gas
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. 2% - 10% cash back at select merchants. 
Cash Back on Groceries
1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time. 
Cash Back on Groceries
1% 
Cash Back on Groceries
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. 2% - 10% cash back at select merchants. 
Cash Back on other
1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time. 
Cash Back on other
1% 
Cash Back on other
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. 2% - 10% cash back at select merchants. 
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