Chip Lupo, Credit Card Writer
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.
Journey Student Rewards from Capital One
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