Do I need to be a student to get approved for the Capital One Journey card? This question is about the Journey Student Rewards from Capital One

Do I need to be a student to get approved for the Capital One Journey card?

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This question is about the Journey Student Rewards from Capital One

Leon Denerus, WalletHub Analyst

@Leo.DC • 10/27/21 This answer was first published on 09/01/17 and it was last updated on 10/27/21.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.

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No, you don’t actually need to be a student to get approved for the Capital One Journey card. To get approved for this card, you must be 18 and have a valid U.S. Social Security number. You must also be a U.S. resident and you'll need to show that you have either your own independent or shared income to qualify.

Lastly, it is worth noting that you need at least fair (640+) credit to get this card. But Capital One Journey also accepts people with limited credit (less than 3 years of credit history).

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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.

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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.

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What is the Capital One Journey Card credit score requirement?

The Capital One Journey credit score requirement is 640 or higher for applicants who have a credit score, though you can also get approved with limited or no credit history. The credit score needed for the Journey Student Rewards from Capital One is on par with the requirements for other major student credit cards.

You should 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 the Capital One Journey Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Capital One Journey credit score requirement. You can check your credit score for free on WalletHub.

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