Journey Student Rewards from Capital One review
This credit card is for students with limited to average credit who may not be able to qualify for other cards. They can benefit from Capital One's features and benefits as incentives to reward responsible saving and spending. Information for this card not reviewed by or provided by Capital One.
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Journey Student Rewards from Capital One
- Rewards
- 1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
- Welcome Bonus
- N/A
- Regular APR
- 29.99% (Variable)
Credit Score: Average, Fair, Limited
Key Features
- 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 peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Pick the monthly due date that works best for you
- Pay for Amazon.com purchases using your Capital One rewards
- Pay for online purchases with virtual card numbers and keep your actual card number to yourself
- Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
- Build your credit with responsible card use
Editor Analysis:
- Earn a bonus on the cash back you earn each month when 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 as this card has a RegAPR APR. That said, 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 CardName 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. CardName offers MasterCard benefits that include $0 fraud liability if your card is ever lost or stolen. Remember, stolen or lost debit cards can put your cash at risk, at least for a little while.
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.
How to earn rewards with the 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. And, by the way, you can also earn 5% cash back on hotels and rental cars booked through Capital One Travel.
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.
How do cardholders rate the Journey Student Rewards from Capital One?
CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the Journey Student Rewards from Capital One:
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 79.4 | 67.9 |
| Features Satisfaction | 8.0 | 6.7 |
| Customer Service | 7.9 | 7.2 |
| Website/App Usability | 7.9 | 7.2 |
| Likelihood of Continuing to Use | 8.3 | 6.8 |
| Recommend to a Friend/Colleague | 7.7 | 6.5 |
How does the Journey Student Rewards from Capital One compare to other cards?
Journey Student Rewards from Capital One vs. CardName
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The CardName 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. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Additionally, earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal. 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%.
Finally, the SavorOne Student is offering an early spend bonus of $50 to new cardholders who spend at least $100 with the card in the first three months of opening an account.
Journey Student Rewards from Capital One vs. card_name
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If you’re a student with fair to limited credit, you might consider the CardName 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, for all new cardmembers. 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.
Is the Journey Student Rewards from Capital One a good card for students?
The CardName 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 (RegAPR, to be exact), 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 CardName is one of the best cash-back credit cards for students you’ll find.
Our Methodology
Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included 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. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.
Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
