Capital One Journey Student Rewards - Find Me a Card

Capital One Journey Student Rewards

A good cash back card (1-1.25%) for students who don't have many other options due to their thin credit history, with no annual fee, but also no early spend bonus.

Your total savings: $1,184 over the next 5 years

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Credit Score Required:
Below Average (580-669)
Capital One

Rewards & Perks

Reward Highlights

  • 1% cash back on all purchases.
  • Pay on time to boost your cash back to a total of 1.25% for that month.
  • $60 streaming subscription credit: Earn $5 per month for 12 months on select streaming subscriptions when you pay on time. (Exclusions apply.)

Other Rewards & Perks

  • Free credit score: Free online access to your VantageScore credit score.
  • Freeze or unfreeze your credit card at anytime: Switch your credit card off or on at anytime. By switching it off, you'll stop any new purchases, cash advances, or balance transfers on your account. This would be in effect until you decide to switch your credit card back on.
  • Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)
  • Account alerts: Stay on top of your balances and due dates by setting customer email or text alerts.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR for purchases and balance transfers: 25.99%.
  • No foreign transaction fees.

Annual Fee: $0

Interest Rate (“Purchase APR”): 25.99%

Cash Advance Fee: 3%

Cash Advance APR: 26.99%

User Ratings & Reviews

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Other Info

Date Introduced: 2011-02-17

Date Last Updated: 2021-04-27

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