No, Capital One Journey does not have travel insurance. While Capital One Journey does have benefits such as emergency card replacement and virtual card numbers, travel insurance is not among the card's perks. This is because the Capital One Journey Card is made for students who are new to credit cards.
You can request a Journey Student Rewards from Capital One credit limit increase online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer
How To Get a Capital One Journey Credit Limit Increase Online
Log in to your online account or the Capital One mobile app.
Choose the Capital One Journey card from the list of account options (if you have more than one Capital One card).
Click “I Want To...,” and then “Request Credit Line Increase.”
Enter your total annual income, employment status, occupation, how much you will spend monthly on the card, your mortgage or rent payment amount, and your desired credit limit.
Confirm the information entered and click “Submit” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Capital One Journey credit limit increase, the new limit is effective immediately.
Impact of a Capital One Journey Credit Limit Increase on Your Credit Score
When you request a Capital One Journey credit limit increase, Capital One will conduct a soft pull of your credit report, which does not affect your credit score. However, some Capital One Journey credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Capital One cannot do a hard pull without your permission.
Alternatively, you could be eligible for a Capital One Journey credit limit increase without even requesting one. The Capital One Journey card may offer an automatic credit limit increase if Capital One’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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.