Capital One Journeyvs.
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EDITOR'S OVERVIEWJourney Student Rewards from Capital One and Capital One Platinum Credit Card are both starter credit cards aimed at people with limited credit history. Capital One Journey is a student card with a flat cash back rate on all purchases, while the Platinum card is strictly for building credit and has no rewards. Neither card charges an annual fee.
How to Choose Between Capital One Journey and Platinum:
- If you’re a student with little or no credit history, Capital One Journey is the perfect choice for you. Plus, you may earn bonus rewards for paying your bill on time every month.
- For non-students who need a no-frills entry-level card in order to establish and build credit, Capital One Platinum is one of the best offers available.
Capital One Journey vs. Capital One Platinum: Key Characteristics
Capital One Journey vs. Capital One Platinum
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0% for 6 months
10.99% for 6 months| 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
12.99% - 21.99% Variable
1 - 5% Cash Back
0% for 15 months
0% for 15 months|Transfer Fee: 3%
14.99% - 24.99% (V)
1.5% Cash Back
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