Journey Student Rewards from Capital One
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.
- Intro bonus: N/A
- Annual fee: $0
- Regular APR: 26.99% (Variable)
- Recommended credit score: (No Credit History)
The Capital One Journey Student Rewards Credit Card* is a great option for students looking to build up a solid credit history while in school. There’s no annual fee, and you’ll earn cash back on every purchase.
At a Glance
- Earn 1% back on all purchases
- Each month you pay on time, earn a boosted 1.25% back on all purchases
- Earn $5 per month in credits toward select subscription services for up to 12 months
- No annual fee
- No foreign transaction fees
- Automatic credit line reviews after six months
- 26.99% variable APR
Credit-building tool for users with little credit history
Earn rewards on spending
Automatic credit line reviews after six months
No annual fee
High variable APR for purchases
No intro bonus offer
Additional Card Details
Since the Capital One Journey Student Rewards Credit Card is a credit-building card for students and people with limited credit history, there aren’t a ton of high-value benefits.
Use this card as a credit-building tool by charging only what you can afford to pay off each month, paying on time, and spending within your credit limit.
You can save money on select monthly subscriptions you charge to this card, though. You’ll get $5 per month in credits toward some subscription services for 12 months (up to $60 in credits). Noteworthy eligible services include Disney+, HBO Now, Hulu, Netflix, Pandora, and Spotify. You can earn the credit anytime within the first 18 months of account opening, but subscriptions billed to your card annually don’t apply.
You’ll also get access to CreditWise from Capital One, which you can use to monitor your credit progress. Plus, Capital One will automatically review your account starting six months after account opening to determine whether you’re eligible for an increased credit limit. Other benefits include customizable account alerts, the ability to lock your card if it’s lost or stolen, emergency card replacement, and no foreign transaction fees.
Should You Get this Card?
Capital One Journey Student Rewards Credit Card is one of our top picks for students looking to build credit while earning a bit of cash back.
Not only can it help you build your score by regularly reporting responsible credit use to credit bureaus — as long as you pay your bill on time and in full each month — but it also offers incentive to maintain these good habits.
Your 1% cash back rewards are boosted to 1.25% cash back each month you pay your bill on time, and a history of timely payments will increase your chances of getting approved for a credit line increase when Capital One begins reviewing your account after the first six months.
This is a great way to establish and maintain the good credit habits that will ensure you keep a healthy credit score after graduation and beyond.
How to use the Capital One Journey Student Rewards Credit Card
To get the most out of this card, only charge purchases you can afford to pay off each month. Not only will you forgo the cash back boost with late or missed payments, but any unpaid balances accrue interest at a high 26.99% APR. Carrying a balance with interest that high will quickly wipe away any rewards you earn with this card.
As you spend and pay off purchases you make with this card, monitor your credit to see how your score progresses over time, and practice healthy, sustainable credit habits. The two most influential factors in your credit score are payment history and amounts owed, so you can build your score most efficiently by paying your bill on time every month and keeping a low credit utilization ratio.
Also take advantage of the $5 monthly streaming credit by setting this card as your preferred payment method for subscription services. You can get this credit by paying for Amazon Music Unlimited, AT&T Now, Audible, CBS All Access, Disney+, ESPN+, Fubo TV, HBO Now, Hulu, iHeartRadio, Kindle Unlimited, MLB.TV, NBA League Pass, Netflix, NHL.TV, Pandora, Prime Video, Sling TV, SiriusXM Streaming and Satellite, Spotify, YouTube Music Premium, YouTube Premium, Google Play Music, and Youtube TV.
And once you’ve earned your cash back rewards, don’t forget to redeem them. You can redeem your rewards for cash back, statement credits, gift cards, and more. There is no cap to the amount of rewards you can earn and you can even set up automatic redemptions after you’ve earned a certain amount of cash back.
Capital One Journey Student Rewards Credit Card Compared to Other Cards
- Intro bonus:N/A
- Annual fee:$0
- Regular APR:26.99% (Variable)
- Recommended credit:(No Credit History)
- Learn more at our partner’s secure site.
- Intro bonus:Cashback Match™
- Annual fee:$0
- Regular APR:12.99% – 21.99% Variable
- Recommended credit:(No Credit History)
As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.
Capital One Journey Student Rewards offers plenty of value for students looking to build credit and establish good credit habits while in school. Enjoy the cash back rewards you’ll earn, but also take advantage of this card as a tool to build credit you’ll benefit from later in life. Only charge what you can pay off when your bill is due, pay your balances in full, and submit payment on time each month. Over time, your credit score will reflect this history of responsible credit use, making it easier to qualify for a mortgage, earn a great interest rate on a car loan, and score the best credit card rewards on the market.
*All information about the Journey Student Rewards from Capital One has been collected independently by NextAdvisor and has not been reviewed by the issuer.
Frequently Asked Questions
Is the Capital One Journey Student Rewards Credit Card a good credit card?
Capital One Journey Student card is a good no annual fee credit card option for building credit while earning rewards on your spending.
Does Capital One have a student credit card?
The Capital One Journey Student Rewards Credit Card is a student credit card offered by Capital One.
What credit score do I need for the Capital One Journey Student Rewards Credit Card?
The Capital One Journey Student Rewards Credit Card is designed for people with limited credit history. If your credit score is at least “fair” (580 or more), you may have the best chances of approval.