How do I get the Capital One Journey sign-up bonus?

There are no Journey Student Rewards from Capital One categories for bonus rewards. The Capital One Journey card instead gives a flat rewards rate on all purchases.

There are plenty of other credit cards that do offer bonus rewards in specific categories, though. If you’re looking for a rewards credit card with bonus categories, a good place to start your search is WalletHub’s list of the … read full answerbest rewards credit cards.

To upgrade a Capital One Journey card to a higher-tier Capital One credit card, cardholders can sign in to the Capital One Product Upgrade page and check for any upgrade offers they might have. Another way to check for upgrade offers is to call Capital One Journey customer service at the number on the back of the card. Finally, cardholders might find offers in emails and mailings from Capital One.… read full answer

It’s possible that Journey cardholders won’t have any upgrade offers. To be eligible for an upgrade, you’ll generally need to have an open Capital One account in good standing for at least 6 months. The longer the account history is and the more on-time payments you make, the more likely it is that you’ll be able to upgrade.

Keep in mind that you may not be eligible for a welcome bonus when you upgrade, since welcome bonuses are generally for new accounts rather than upgraded accounts. Still, it can’t hurt to ask customer service about introductory bonuses, as these deals can put money back in your pocket and help offset any annual fees.

In addition, Capital One allows cardholders to change between rewards types, such as cash back to points and vice-versa, unlike some other credit card companies. Since the rules for Capital One upgrades aren’t too strict, you might as well ask customer service for the specific card you’re hoping to get.

That said, you may not be able to upgrade to just any Capital One card from Journey. For example, some reports state that the SavorOne card is not an option. Most commonly, Capital One customers make the natural switch from Journey to Quicksilver. The rewards and fee structures for Journey and Quicksilver are similar, but Quicksilver gives a boosted 1.5% cash back on all purchases.

No matter what card you ask for, you’ll still need a good enough credit score to qualify. Capital One will not conduct a hard pull on your credit report when you upgrade, though. In addition, any product change will allow you to keep the same account, card number, and credit limit that you had with the Journey card. But your CVV and expiration date will change, so don’t forget to update any autopay settings to reflect the new information.

The Capital One Journey annual fee is $0 per year. With no annual fee, Capital One Journey is cheaper than the average credit card offer available right now and on par with the best student credit cards. It’s not the only fee you need to worry about with the Journey Student Rewards from Capital One Card, though.… read full answer

Capital One Journey Fees

• Annual Fee: $0
• Cash Advance Fee: 3% (min $10)
• Foreign Fee: $0
• Balance Transfer Fee: $0 at this Transfer APR : 26.99% (V)
• Max Late Fee: $40