Capital One Journey Student Rewards Credit Card Review

We want to help you make more informed decisions. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission. For more information, see How We Make Money.   This page includes information about Discover products that are not currently available on NextAdvisor and may be out of date.
Best for Students Journey Student Rewards from Capital One
Learn More externa link icon
Journey Student Rewards from Capital One
Editor’s Score: (3.1/5)
Apply Now externa link icon At Capital One’s secure site.
Best for Students Journey Student Rewards from Capital One
Editor’s Score: (3.1/5)
  • Intro offer:
    N/A
  • Annual fee:
    $0
  • Regular APR:
    28.49% (Variable)
  • Recommended credit score:
    580-740 (Fair to Good)
Rewards rate:

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.

NextAdvisor’s Take

Pros
  • Credit-building tool for users with little credit history
  • Earn rewards on spending
  • Automatic credit line reviews after six months
  • No annual fee
Cons
  • High variable APR for purchases
  • No cash intro bonus offer
The Bottom Line
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. Take advantage of this card as a tool to build credit you’ll benefit from later in life.

Additional Card Details

  • Each month you pay on time, earn a boosted 1.25% back on all purchases
  • No annual fee
  • No foreign transaction fees
  • Automatic credit line reviews after six months
  • Prequalify with no hard credit check
  • 28.49% variable APR

Capital One Journey Student Rewards Full Review

Card Type

The Capital One Journey Student Rewards Credit Card is a credit-building card for students looking to improve their credit scores while earning rewards. 

Annual Fee

This card has a $0 annual fee.

Welcome Offer

This card has no current welcome offer.

Rewards

Earn 1% back on all purchases. Every month you pay on time, you can boost your rewards to 1.25% back for that month.

Fees 

There is no annual fee and no foreign transaction fees with this card. The ongoing APR is 28.49% variable, and if you make a late payment you may take on a fee up to $40.

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 28.49% 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 card’s unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

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

Our Choice
Learn More externa link icon
Journey Student Rewards from Capital One

Journey Student Rewards from Capital One

Editor’s Score: (3.1/5)
  • Intro offer:
    N/A
  • Annual fee:
    $0
  • Regular APR:
    28.49% (Variable)
  • Recommended credit:
    580-740 (Fair to Good)
  • Apply Now externa link icon At Capital One’s secure site
Discover it® Student Cash Back

Discover it® Student Cash Back

Editor’s Score: (4.3/5)
  • Intro offer:
    Cashback Match™
  • Annual fee:
    $0
  • Regular APR:
    15.99% – 24.99% Variable
  • Recommended credit:
    (No Credit History)
Learn More externa link icon
Chase Freedom® Student credit card

Chase Freedom® Student credit card

Editor’s Score: (N/A)
  • Intro offer:
    $50
  • Annual fee:
    $0
  • Regular APR:
    17.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site

Is Capital One Journey Student Rewards Right for You?

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.

Pro Tip

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.

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

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.