Is the Capital One Journey Card a credit card?

Journey Student Rewards from Capital One is a Visa, not a Mastercard. You can use your Capital One Journey Card at nearly 11 million merchants that accept Visa nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including ... read full answerextensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

The credit score you need for the Capital One Journey 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 Capital One Journey 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

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. 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.

The Capital One Journey credit limit will be based on your creditworthiness once your application has been approved. However, there's no surefire way of knowing your credit limit beforehand as Capital One does not disclose this information on their website.

Capital One Journey is a credit card geared for students with limited credit. If you don’t have less than 3 years of credit history, you will need to have at least fair (640+) credit to qualify for this card.... read full answer

Here’s what you should know about the Capital One Journey credit limit:

• There's no surefire way of knowing your Capital One Journey credit limit before applying and getting approved.
• When determining credit limits, factors such as your debt-to-income ratio, repayment history and the length of your credit history will play a significant role.
• If you are not happy with the Capital One Journey credit limit you have received, you may request an increase after you’ve had the card for at least 6 months. However, there’s no guarantee you’ll be approved.
• Capital One may also automatically consider you for a higher credit limit after you’ve made your first 6 payments on time.

Capital One uses soft pulls for credit limit increases. So, requesting a Capital One Journey credit limit increase won't affect your credit score.