How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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Journey Student Rewards from Capital One Review

Journey Student Rewards from Capital One
Rewards Rate
1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Bonus Cash Back
Earn 0.25% bonus on the cash back you earn each month you pay on time
APR
29.99% (Variable)
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Journey Student Rewards from Capital One is no longer accepting applications.

Our take: The Journey Student Rewards from Capital One is a good option for building credit, if you’re looking for a simple rewards rate and easy ways to boost your credit limit.

Is the Journey Student Rewards from Capital One a good credit card?

Using a student credit card is an easy way to earn some cash rewards while building your credit for a future car, apartment or even a job. The Journey Student Rewards from Capital One makes it simple to do that, with its straightforward rewards rate, a $0 annual fee and no bonus rewards categories to worry about.

It’s not as robust as other student credit cards out there, but it does have some unique features: You may qualify for an automatic credit line review after just six months and a higher rewards rate for paying your monthly balance on time.

However, if you don’t mind a more complicated earning rate, you may be able to earn more cash back with the Discover it® Student Cash Back or the Discover it® Student Chrome, depending on your spending habits.

Pros and cons

  • Cash back on every purchase
  • Chance to earn a higher credit limit
  • $0 annual fee
  • Foreign transaction fee: None
  • Low rewards rate
  • Rewards not earned all at once
  • High APR

Quick facts

    • 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
    • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
    • Enjoy no annual fee, foreign transaction fees, or hidden fees
    • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
    • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
    • Pick the monthly due date that works best for you
    • Pay for Amazon.com purchases using your Capital One rewards
    • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
    • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
    • Build your credit with responsible card use
    • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
    600 660
    Fair/Limited
  • VantageScore access with CreditWise
  • Extended warranty
  • $0 fraud liability
  • Emergency card replacement
  • 24/7 customer service

Intro Purchase APR

N/A

Regular Purchase APR

29.99% (Variable)

Intro BT APR

N/A

Regular BT APR

29.99% (Variable)

Annual Fee

$0

Cash Advance Fee

3% of the amount of the cash advance, but not less than $3

Foreign Transaction Fee

None

Balance Transfer Fee

$0 at this Transfer APR

What we like about the Journey Student Rewards from Capital One

  • Cash back on every purchase

    This card earns 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Having a bonus rewarding you for when you pay on time is a good incentive for students who are just learning how to responsibly manage credit.

    Rewards don’t expire and there’s no limit to how much you can earn on purchases — though if your account is closed, you’ll lose rewards you haven’t redeemed.

  • Chance to earn a higher credit limit

    If approved for the card, Capital One will set your initial credit limit after reviewing your application and considering your ability to pay. The minimum credit line you’ll get is $300. Whatever your starting limit, cardholders can be automatically considered for a higher credit line in as little as six months. You’re also able to ask for a credit line increase after having an account open with Capital One for at least three months and showing good payment history and utilization. Paying your bill on time every month is also the most important thing you can do to build and maintain a good credit score.

    Not many typical credit cards have this feature — let alone student credit cards.

  • $0 annual fee

    You don’t have to pay a fee to carry this card, since the annual fee is $0 — like most student credit cards. That’s a good thing for college students on a tight budget.

  • Foreign transaction fee: None

    If you’re planning to study abroad, this is a great card to take with you. You don’t have to worry about being charged a foreign transaction fee on each purchase you make outside the United States because there is none. Other cards may charge up to 3% for each purchase you make abroad with the card.

    Plus, the Journey Student Rewards from Capital One is a Visa card, which tends to have a wider acceptance than Discover or American Express credit cards.

What to look out for with the Journey Student Rewards from Capital One

  • Low rewards rate

    If you’re making all your payments on time with this card, you’ll earn 1.25% cash back per $1 spent. There are more rewarding student credit cards, including the Capital One Quicksilver Student Cash Rewards Credit Card, which earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

    However, if your main focus is establishing a solid credit history, earning rewards may not be your first priority

  • Rewards not earned all at once

    The way this card’s rewards structure works is that you earn 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Many rewards credit cards earn rewards after making a purchase, rather than making the cardholder wait for a bonus after payment. However, if you need an incentive to stay on top of your payments, the rewards structure of the Journey Student Rewards from Capital One could be a good thing.

  • High APR

    The APR on this card is 29.99% (variable), so you want to avoid carrying a balance from month to month.

    That’s high compared to the national average APR, which is 23.65% according to LendingTree’s analysis. Pay on time and in full every month to avoid incurring expensive interest charges.

Alternative student cards to the Journey Student Rewards from Capital One

Journey Student Rewards from Capital One vs. Discover it® Student Cash Back

| Disclosures
Discover it® Student Cash Back
Discover it® Student Cash Back
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees
0% Intro APR for 6 months on purchases
18.24% - 27.24% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Click through to Discover’s website to see terms and conditions.
600 660
Fair/Limited

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Discover it® Student Cash Back is one of the best student credit cards. It earns a higher rewards rate than the Journey Student Rewards from Capital One: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

As long as your spending patterns match up well with the 5% categories and you don’t mind having to manually activate the new categories each quarter, you can earn significant value from the Discover it® Student Cash Back. Plus, there’s a unique sign-up bonus for new cardmembers: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

However, the Journey Student Rewards from Capital One is a Visa — and Visa tends to be more widely accepted abroad than Discover. So, if you’re planning to travel, the Journey Student Rewards from Capital One might be a better choice.

Journey Student Rewards from Capital One vs. Capital One SavorOne Student Cash Rewards Credit Card

| Disclosures
Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
N/A
19.99% - 29.99% (Variable)
$0
3% Cash Back on dining and at grocery stores (excluding superstores like
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
600 660
Fair/Limited

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Capital One SavorOne Student Cash Rewards Credit Card is a cash back card that’s great for students that spend a lot on dining, entertainment, streaming services and groceries. You can earn 3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®); 3% Cash Back on popular streaming services and entertainment; 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases.

Unlike the Journey Student Rewards from Capital One, the Capital One SavorOne Student Cash Rewards Credit Card has a sign-up bonus: Earn $50 Cash Back when you spend $100 in the first three months.

The Capital One SavorOne Student Cash Rewards Credit Card also has a $0 annual fee. This card will likely help you earn more in cash back, since its elevated rewards rate applies to common student spending categories. But if you’re looking for the simpler option, you should consider the Journey Student Rewards from Capital One.

Journey Student Rewards from Capital One vs. Discover it® Student Chrome

| Disclosures
Discover it® Student Chrome
Discover it® Student Chrome
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees
0% Intro APR for 6 months
18.24% - 27.24% Variable APR
$0
2% cash back at Gas Stations and Restaurants on up to $1,000
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Click through to Discover’s website to see terms and conditions.
600 660
Fair/Limited

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Discover it® Student Chrome can be a good choice for students who spend frequently on restaurants and gas. You can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.

Plus, the Discover it® Student Chrome offers you an Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

The Discover it® Student Chrome‘s sign-up bonus alone could be a good enough reason to choose over the Journey Student Rewards from Capital One — but you could also potentially earn more cash back if gas and restaurants are common expenses for you. The Journey Student Rewards from Capital One might be better for you if you’re looking for a simple rewards rate and want to automatically be considered for credit limit reviews.

Is the Journey Student Rewards from Capital One right for you?

The Journey Student Rewards from Capital One is a good credit card for students who want to build credit and take advantage of a simple cashback program that rewards responsible credit behavior.

After demonstrating that you pay on time and don’t max your card out, you can request an upgrade to another Capital One offering better rewards — such as the Capital One Quicksilver Cash Rewards Credit Card, which earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

If earning cash back is important to you while maintaining a simple rewards rate, you should consider other student credit cards with higher earning rates, including the Discover it® Student Cash Back and the Capital One Quicksilver Student Cash Rewards Credit Card.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the Journey Student Rewards from Capital One has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.