Chip Lupo, Credit Card Writer
Yes, the Journey Student Rewards from Capital One does have a late fee of up to $40, which applies when cardholders don't make the minimum payment by the due date. The late fee for the Capital One Journey card can never exceed the minimum payment amount, though, thanks to the CARD Act of 2009.
If you accidentally make less than the required minimum payment or you miss your Capital One Journey due date entirely, you can always ask customer service to waive the late fee by calling the phone number on the back of the card. This is much more likely to work if you have a great payment history with Capital One, but even if not, there's no harm in asking.
To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.
Journey Student Rewards from Capital One
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