Reviews

Journey Student Credit Card from Capital One full review

If you are looking for a card with great value for money, this option is for you. The Journey Student Credit Card from Capital One has cashback and zero transfer fees.

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by Sabrina Paes

Published on 08/12/2022

Journey Student Credit Card from Capital One: 1% cashback

Journey Student Credit Card from Capital One offers up to 1.25% cashback for good payers | Source: Capital One

Choosing a sound credit card when starting your financial life can be difficult. In this regard, you need to look for the benefits and fees. The Journey Student Credit Card from Capital One suits young people well.

Laptop displaying logo of Capital One Financial Corporation

How to apply for the Journey Student Credit Card?

Want 1% cashback and increase the limit after 6 months of use? Then learn how to apply for Journey Student Card from Capital One.

As it is a student card, there is no annual fee. In addition, it has some cashback options and allows you to increase the limit quickly. Know more!

  • Credit Score: Fair score;
  • Annual Fee: $0;
  • Regular APR: 26.99% (variable);
  • Welcome bonus: none;
  • Rewards: 1% cash back on all purchases and 1.25% de cashback with payment on time.

How does the Journey Student Credit Card from Capital One work?

Journey Student Credit Card from Capital One has attractive rewards for anyone starting a financial life | Source: Adobe Stock

The Journey Student Credit Card from Capital One does not require an excellent credit history. Appropriate level, students can now apply and get the benefits.

The card offers 1% cashback on multiple purchases, up to 1.25% if the invoice payment is correct. It also allows cash advance for a fee.

In addition, the annual Fee is zero, and foreign transfers can be made without extra charges.

Journey Student Credit Card from Capital One pros and cons

The Journey Student Credit Card from Capital One was designed for those starting their financial life.

Therefore, it is ideal for students due to the excellent credit line and cashback. However, it has no introductory benefits. Check out!

Pros

  • No annual fee for card maintenance;
  • Cashback is 1% on any purchase and can reach 1.25% with payment on time of invoice;
  • Even as a student, the applicant can get a higher credit line after the first six months of use;
  • Absence of fees for financial transactions between international countries, facilitating travel.

Cons

  • No bonus for new cardholders;
  • The APR rate is fixed when you sign up for the card. That is, it starts already at 26.99%;
  • The card charges a cash advance fee.

Does my credit score need to be good?

You don’t need an excellent credit history to get the Journey Student Credit Card from Capital One. In other words, only the appropriate level allows you to apply. That is, a minimum amount of 580 (fair) is required.

Want to apply for the Journey Student Credit Card from Capital One?

Applying for the Journey Student Credit Card from Capital One is very simple if you are pre-approved. It can be done online by filling out a form on the Capital One website.

However, the application can be made through the computer or smartphone. Want to know more?

Check out our post below that shows step-by-step how to apply for the Journey Student Credit Card from Capital One.

Journey Student Credit Card from Capital One

How to apply for the Journey Student Credit Card?

Want 1% cashback and increase the limit after 6 months of use? Then learn how to apply for Journey Student Card from Capital One.

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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