Is the Capital One Journey Card a good first time credit card? This question is about the Journey Student Rewards from Capital One

Is the Capital One Journey Card a good first time credit card?

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This question is about the Journey Student Rewards from Capital One

Chip Lupo, Credit Card Writer

@CLoop • 09/13/22 This answer was first published on 09/13/22. 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.

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The Journey Student Rewards from Capital One Card is a good first-time credit card because it is available to students with limited credit and it offers rewards, giving 1 - 5% cash back. The card’s annual fee is $0. Responsible use also builds credit, as the Capital One Journey Card reports account info to the major credit bureaus monthly.

To get approved for the card, you will need to have a steady income and meet other basic requirements like being at least 18 years old and having an SSN or ITIN.

Why Capital One Journey Card Is a Good First-Time Credit Card

Available to: Students with limited credit
Annual fee: $0 annual fee
Rewards: 1 - 5% cash back
APR: 29.99% (V)
Reports to credit bureaus monthly: Yes

It’s worth noting that the Capital One Journey Card isn’t the only good first-time credit card out there. You can learn more about the best first-time credit cards on WalletHub.

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Is Capital One a good credit card for beginners?

Yes, Capital One is a good credit card company for beginners. The best Capital One credit card for beginners is the Capital One Platinum Credit Card because it has a $0 annual fee, is available to people with limited credit, and does not require a security deposit to open the account. Capital One Platinum does not offer any rewards, as it is a no-frills credit card specifically for building credit at a low cost.

Capital One offers several other good...

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What credit score do you need for Capital One Journey?

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...

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How hard is it to get the Capital One Journey?

It is not very hard to get the Journey Student Rewards from Capital One because it is available to students with limited credit. Capital One Journey card is actually a relatively easy credit card for the average student to get.

In order to get the Capital One Journey card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN.

Keep in mind that even though...

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