Capital One Journey Student Rewards
Capital One · Visa
3.8/5 RatingFair (580+)
Key Details
- Annual Fee
- None
- Regular APR
- 21.24%–29.24%
- Intro APR
- None
- Foreign Transaction Fee
- None
- Balance Transfer Fee
- N/A
- Rewards Rate
- 1%–1.25% cash back
Sign-Up Bonus
None
Rewards Structure
- All Purchases1%
- All Purchases (when paying on time)1.25%
Pros
- ✓No annual fee
- ✓No foreign transaction fees
- ✓Cash back rate boost for on-time payments
- ✓No credit history required
Cons
- ✗Low cash back rate (1-1.25%)
- ✗No sign-up bonus
- ✗Limited rewards compared to Discover it Student
Who Should Get This Card?
Students with limited or no credit history who want a simple starter card that rewards on-time payment behavior.