How do I apply for the Capital One Journey card? This question is about the Journey Student Rewards from Capital One

The easiest way to apply for the Capital One Journey card is online, or by calling customer service. Alternatively, you can submit a Capital One Journey application at a Capital One branch. Here’s how to apply for the Capital One Journey card: Online: To submit an online application, click on the “Apply Now” button. Usually, a decision is made instantly when you apply this way. By phone: If you want to apply for the Capital One Journey card by phone, call customer service to speak to a representative. At a Capital One branch: You can apply for Capital One Journey by visiting your local Capital One branch during normal business hours. Most of the time, you’ll get a decision instantly. But it could take longer if the issuer needs to verify your information. However, no matter how you apply, Capital One generally notifies applicants of the decision in writing within 7 to 10 days of receiving the application.

Ad Disclosure Ad Disclosure

How do I apply for the Capital One Journey card?

Answer Question Report Abuse

This question is about the Journey Student Rewards from Capital One

see this user

Maria Adams, Credit Cards Moderator

@m_adams • 09/23/22 This answer was first published on 07/19/21 and it was last updated on 09/23/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

The easiest way to apply for the Capital One Journey card is online, or by calling customer service. Alternatively, you can submit a Capital One Journey application at a Capital One branch.

Here’s how to apply for the Capital One Journey card:

Online: To submit an online application, click on the “Apply Now” button. Usually, a decision is made instantly when you apply this way.
By phone: If you want to apply for the Capital One Journey card by phone, call customer service to speak to a representative.
At a Capital One branch: You can apply for Capital One Journey by visiting your local Capital One branch during normal business hours.

Most of the time, you’ll get a decision instantly. But it could take longer if the issuer needs to verify your information. However, no matter how you apply, Capital One generally notifies applicants of the decision in writing within 7 to 10 days of receiving the application.

Answer Question

Does Capital One do a hard pull?

Yes, anytime you apply for a Capital One credit card it results in a hard inquiry on your credit report.

Keep in mind that a hard pull may result in a small temporary decrease in your credit score. Your score may also drop a bit when you get approved and open your account, but that’s only temporary as well.... read full answer

A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.

show less

What credit bureau does Capital One Journey use for approval?

When applying for the Capital One Journey, Capital One will pull credit reports from TransUnion, Equifax, and Experian.

They pull all three for their student credit card because they want to reduce their risk by getting the most complete information possible.

show less

What credit score do you need for a Capital One credit card?

You need a credit score of at least 700 (good credit) for the best Capital One credit card offers. However, other options are available for people with lower scores. It is possible to get approved for a credit card from Capital One with limited credit history or a bad credit score, for example.... read full answer

Capital One Credit Score Requirements by Card

Capital One Venture Rewards Credit Card: 700 (Good credit)

Capital One VentureOne Rewards Credit Card: 700 (Good credit)

Capital One Quicksilver Cash Rewards Credit Card: 700+ (Good credit)

Capital One SavorOne Cash Rewards Credit Card: 700+ (Good)

Capital One Venture X Rewards Credit Card: 750+ (Excellent)

Capital One Platinum Credit Card: less than 3 years of credit history (Limited History credit)

Capital One Platinum Secured Credit Card: 300+ (Bad credit)

Capital One QuicksilverOne Cash Rewards Credit Card: less than 3 years of credit history (Limited History credit)

Capital One Quicksilver Secured Cash Rewards Credit Card: 300+ (Bad credit)

Capital One Savor Cash Rewards Credit Card: 700+ (Good credit)

Journey Student Rewards from Capital One: less than 3 years of credit history (Limited History credit)

If you’re not sure which Capital One card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card on the issuer’s website. You may also want to check your credit score before you apply, just so you have a better idea of what to expect.

You should also note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Capital One credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.

show less

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.