Journey Student Rewards from Capital One: Build Credit + Pay On Time Cash Back Boost + No Annual Fee

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The Journey® Student Rewards from Capital One® is a no annual fee credit card for those who have an average credit and want to build their credit. It's more for college students, but those who have average credit or want a flat-rate rewards program may be interested in checking this card out.

Cardholders earn an unlimited 1% cash back on spending. However, users can get a 0.25% bonus for timely payments for a total of 1.25% potential cash back.

Learn more about this card and its features here.

Journey Student Rewards from Capital One Summary

Editor's Alternate Pick

With the Capital One® Quicksilver® Cash Rewards Card: -One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening -Earn unlimited 1.5% cash back on every purchase, every day -No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn -0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that -0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months -Pay no annual fee or foreign transaction fees Learn More About This Card

Enjoy Up to 1.25% Cash Back

The Journey Student Rewards from Capital One earns an unlimited 1% cash back on all purchases. If your account isn't past due on the last day of the billing cycle, you'll receive a bonus equal to 0.25% of the cash back you earned during the cycle. This means, you'll earn a total cash back rate of 1.25%.

There’s no limit to the amount of cash back you can earn, and rewards don’t expire. Redeem your accumulated cash back in any amount, at any time, for a statement credit or paper check. You can also set up automatic redemptions at a set time each year or when you cross a specified threshold.

Why You Should Apply

Rewards For Payment: You’ll earn a bonus 0.25% cash back on all your purchases paid on time. This adds up to 1.25% cash back on everything. If you’re the type of person who always turns things in on time, from assignments to bills, this deal can help you save even more.

No Foreign Transaction Fees: Want to travel abroad for a semester? With the Journey Student Rewards on hand, you won’t have to worry about foreign transaction fees tacked onto each purchase. You could save a few dollars for each transaction this way. In fact, over the course of a few months, this could add up to hundreds.

Journey Student Rewards Benefits

Travel and Emergency Assistance: Get help in case of an emergency while traveling. Call the number on the back of the card or 1-800-992-6029 to connect to local emergency services. The cardholder will be responsible for any third-party charges. Emergency services include:

• Emergency message service to relay messages to travelers, family, or business associates
• Medical referral service to help you find local doctors, dentists, hospitals, etc
• Legal referral service to help you find English-speaking attorneys or U.S. embassies in your area
• Lost luggage locator service to help you find your bags if they’re lost by a common carrier
• Pre-trip assistance to inform you about weather conditions, health precautions, the passport visas needed, and ATM locations

Travel Accident Insurance: Get coverage for you, your spouse, and unmarried dependent children while traveling by common carrier. Up to $100,000 is available, and covers accidental loss of life, limb, sight, speech, or hearing. You must charge passenger fares your card.

Auto Rental Collision Damage Waiver: Get coverage for rented vehicles against damage and theft. You must charge the entire cost to your Journey card, and decline the rental company’s own insurance. Exclusions include:

• Expensive, exotic, or antique automobiles
• Trucks
• Motorcycles
• Recreational vehicles

Other Capital One Journey Student Rewards Benefits

• Opportunity for Credit Line Increase in 5 Months: Make consistent payments on-time with this card. This way, you’re eligible for a credit line increase in as little as 5 months.
• No Foreign Transaction Fees: Traveling abroad for a semester? You won't have to worry about having fees tacked onto each purchase with your card. This way, you'll save a lot.
• Additional Perks: Enjoy other neat benefits, such as extended warranty, travel and emergency assistance, travel accident insurance, and secondary auto rental collision damage waiver.

Journey Student Rewards Top Features

Bottom Line

If you're looking for a credit card to start off with or you have average credit, the Journey® Student Rewards from Capital One® was made to do just that. Although this card is different from regular student credit cards as it does not have an Introductory APR offer nor a good grades discount or bonus, it can be an incredibly powerful spending aid for students who are just starting out on the path to financial fitness.

Once you've strengthened your credit score, you should consider moving to a more lucrative rewards-earning credit card. Or if you already have good credit, consider applying for another credit card instead. Find more Capital One credit card bonuses or check out our other credit card bonuses that may benefit you.

Who's the Competition?

Here are some other options for those with Average credit: Capital One QuicksilverOne Cash Rewards Credit Card and the Capital One Platinum Credit Card.

With the Capital One® Quicksilver® Cash Rewards Card: -One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening -Earn unlimited 1.5% cash back on every purchase, every day -No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn -0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that -0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months -Pay no annual fee or foreign transaction fees Learn More About This Card

With the Capital One® Platinum Credit Card: • Pay no annual fee • Get access to a higher credit line after making your first 5 monthly payments on time • Fraud coverage if your card is lost or stolen • Use online banking to access your account, even from your smartphone, with our mobile app • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you • Get access to your account 24 hours a day, 7 days a week • Help strengthen your credit for the future with responsible card use Learn More About This Card