The usual Capital One Journey credit limit is $300 or more. Capital One Journey is a credit card geared for students with limited credit, and an applicant could start out with a limit higher than $300 if their credit profile exceeds Capital One's minimum requirements. Cardholders have reportedly received Capital One Journey credit limits starting at up to $2,000.

On that note, it is worth noting that you don't have to be a student to get the Capital One Journey card. 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.

In any case, keep in mind that you will not know your exact Capital One Journey credit limit before you apply for the card. Capital One determines credit limits based on a review of the completed application, each applicant's credit history, and each applicant's ability to make monthly payments. They will notify you of your limit amount if you're approved for an account.

Whatever your Capital One Journey credit limit might be starting out, you may be eligible for a credit limit increase over time. Capital One will automatically consider you for a higher credit limit after you've made your first 6 payments on time. You can also request an increase after you've had the card for at least 6 months. However, there's no guarantee you'll be approved.

The Journey Student Rewards from Capital One foreign transaction fee is $0. This means you won't be charged extra anytime you use the Journey Student Rewards from Capital One outside of the United States. This applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.

The best Capital One Journey credit card benefits are security alerts and $0 fraud liability. These perks are certainly good to have, though it's important to note that they are also relatively common benefits for credit cards.

Capital One Journey Credit Card Benefits

• Security alerts
• $0 fraud liability
• Emergency card replacement
• Virtual card numbers
• Rewards of 1 - 1.25% cash back on purchases

While these benefits aren't bad, the Capital One Journey credit card simply doesn't have as many benefits as a lot of the other credit cards on the market. To learn more about the Capital One Journey credit card, check out WalletHub's full review.

The easiest way you can apply for the Capital One Journey card is online, or by calling customer service. Alternatively, you can apply in a Capital One branch.

Here's how to apply for the Capital One Journey card:

• Online: To submit an online application, just click on the “Apply Now” Usually, a decision is made instantly when you apply online.
• By phone: If you want to apply for the Capital One Journey card by phone, call customer service to speak to a representative.
• At a Capital One branch: Alternately, you can apply for Capital One Journey by visiting your local Capital One branch.

The Journey Student Rewards from Capital One interest rate is 26.99% (V). This Capital One Journey card interest rate is variable, meaning it can change based on certain economic conditions.

Capital One Journey gives you a 25-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry a balance on your Capital One Journey card, it will accumulate interest daily at the card's regular APR.

In addition to the regular interest rate, Capital One Journey also charges a separate interest rate on cash advances. All Capital One Journey card interest rates will be listed on your statement and on your online account summary.

You can request a Journey Student Rewards from Capital One credit limit increase online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.

How To Get a Capital One Journey Credit Limit Increase Online

1. Log in to your online account or the Capital One mobile app.
2. Choose the Capital One Journey card from the list of account options (if you have more than one Capital One card).
3. Click “I Want To...,” and then “Request Credit Line Increase.”
4. Enter your total annual income, employment status, occupation, how much you will spend monthly on the card, your mortgage or rent payment amount, and your desired credit limit.
5. Confirm the information entered and click “Submit” to complete the request.

You should receive a decision in just a few seconds. If you're approved for a Capital One Journey credit limit increase, the new limit is effective immediately.

Impact of a Capital One Journey Credit Limit Increase on Your Credit Score

When you request a Capital One Journey credit limit increase, Capital One will conduct a soft pull of your credit report, which does not affect your credit score. However, some Capital One Journey credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Capital One cannot do a hard pull without your permission.

Alternatively, you could be eligible for a Capital One Journey credit limit increase without even requesting one. The Capital One Journey card may offer an automatic credit limit increase if Capital One's regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.

The Capital One Journey annual fee is $0 per year. With no annual fee, Capital One Journey is cheaper than the average credit card offer available right now and on par with the best student credit cards. It's not the only fee you need to worry about with the Journey Student Rewards from Capital One Card, though.

Capital One Journey Fees

• Annual Fee: $0
• Cash Advance Fee: 3% (min $10)
• Foreign Fee: $0
• Balance Transfer Fee: $0 at this Transfer APR : 26.99% (V)
• Max Late Fee: $40

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.

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.

The easiest way to reach the Capital One Journey card's customer service is online or via Capital One's app for iOS and Android.

You can also call (800) 227-4825 to talk to a representative or send your inquiries via mail to:

Capital One
Attn: General Correspondence
P.O. Box 30285
Salt Lake City, UT 84130-0287

Alternatively, Capital One's Eno and the Ask Alexa skill can help with some questions you might have. Among other things, you can inquire about your balance, due date, and transaction history.

You cannot get Capital One Journey pre-approval at this time.

Capital One will only consider a potential applicant's pre-approval status for the Capital One Quicksilver Cash Rewards Credit Card, the Capital One QuicksilverOne Cash Rewards Credit Card, the Capital One SavorOne Cash Rewards Credit Card, the Capital One Platinum Credit Card, and the Capital One Platinum Secured Credit Card, according to the Capital One pre-approval website. As of November 2020, Capital One does not send out pre-approved mail offers for the Capital One Journey card, either.

It is also worth noting that you need fair (640+) credit to get Capital One Journey, but this card also accepts applicants with limited credit (less than 3 years of credit history). The card might be geared for college students, but it isn't limited to them; this means you don't need to be a student to qualify for it.

Lastly, although Capital One Journey doesn't give you the benefit of checking for pre-approval, before submitting an application for this card, you can instead check if you're pre-approved for a different Capital One card. Pre-approvals generate a soft pull, so there's no effect on your credit score. If you are pre-approved, you can reasonably expect that you'll have high odds of approval for Capital One Journey, as most of the cards that allow you to check for pre-approval share similar credit requirements with the Capital One Journey card.