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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.
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Table of Contents
Journey Student Rewards from Capital One Summary
| Bonus Available | No introductory offer. |
| Ongoing Rewards/Benefits | 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. Be automatically considered for a higher credit line in as little as 6 months. |
| Foreign Transaction Fees | No |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
PROS
- No annual fee
- Cash back rewards
- No foreign transaction fees
CONS
- No welcome bonus
- High APR
Editor’s Alternate Pick
 The Chase Freedom Student credit card offers a $50 Bonus after first purchase made within the first 3 months from account opening. You'll earn 1% cash back on all purchases and a $20 Good Standing Rewards after each account anniversary for up to 5 years. There is no minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open In addition, earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria This card has no annual fee and you'll get free credit score with Chase Credit Journey. |
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
- Be automatically considered for a higher credit line in as little as 6 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
Pay your Journey Student Rewards bill on time and earn a bonus 0.25% cash back on all your purchases for that month. That’s a total cash back rate of 1.25% for the billing cycle.
With the Journey Student Rewards card, you’ll be automatically considered for a higher credit line in as little as 6 months.
In comparison, many cards will make you wait an average of 12 months before you can request an increased limit.
You won’t have to pay any annual, balance transfer or foreign transaction fees.
It’s recommended to not transfer any credit card debt to your Capital one Secured Mastercard because of its high APR. This is an exception if you’re currently paying a higher penalty APR.
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.
Learn more about this card and its features here.
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.
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 The Capital One Quicksilver Cash Rewards Card offers a one-time $200 cash bonus after spending $500 on purchases within 3 months from account opening. You'll be able to earn an unlimited 1.5% cash back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 With the Capital One Platinum Credit Card: This card can help build your credit with responsible card use and be automatically considered for a higher credit line in as little as 6 months You'll have 24/7 access to your account and be covered with fraud coverage if your card is lost or stolen. You're able to pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you This card comes wit no annual fee. |
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