Capital One Journey Card Reviews [2023]Reviews, rates, fees, and rewards details for The Journey Student Rewards from Capital One. Compare to other cards and apply online in secondsJohn KiernanWalletHub1% cash back on all purchases0.25% rewards bonus for paying on timeNo annual feePossible credit-line increase after first five on-time paymentsNo reduced introductory interest ratesAbove-average regular APR
We're sorry, but the Journey Student Rewards from Capital One may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer.
You can review Journey Student Rewards from Capital One's rates and fees according to our latest records, which may be outdated. Alternatively, you can compare the latest credit card offers.
Rewards%APR2,346Reviews108Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Fair Credit, Limited History
Annual Fee
$0
Rewards
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Pay for Amazon.com purchases using your Capital One rewards
Possible credit-line increase after first five on-time payments
No reduced introductory interest rates
Above-average regular APR
Capital One Journey Review
John Kiernan
5.0 / 5
The Journey Student Rewards from Capital One is a credit card for college students with limited or no credit that offers unlimited 1% cash back on all purchases, plus a 0.25% bonus (for a total of 1.25% back) each month you pay the bill by the due date. Journey Student... show more
The Journey Student Rewards from Capital One is no longer available through WalletHub.com but may be available on the Capital One website. Info about the card has been collected by us, the financial institution did not provide the details.
•
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
•
Enjoy no annual fee, foreign transaction fees, or hidden fees
•
Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
•
Pick the monthly due date that works best for you
•
Pay for online purchases with virtual card numbers and keep your actual card number to yourself
•
Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
Can't find what you are looking for? Submit your question about Journey Student Rewards from Capital One to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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.
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.
The Capital One Journey foreign transaction fee is $0. This means you won't be charged extra anytime you use the Capital One Journey card 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. However, it's important to note that they are also relatively common benefits for credit cards.
No, you cannot apply for the Capital One Journey card anymore as this card is no longer available to new applicants. However, this doesn't mean you are out of options. Capital One offers a couple of other student credit cards, including the Capital One SavorOne Student Cash Rewards Credit Card. This card offers 1 - 5% cash back on purchases,...
The Journey Student Rewards from Capital One interest rate is 29.99% (V). The card's interest rate is variable, meaning it can change based on certain economic conditions.
Here's how the Journey Student Rewards from Capital One interest rate works:
Capital One Journey gives you a 25-day grace period to avoid paying interest...
You can increase your Journey Student Rewards from Capital One credit limit by making a request online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. Alternatively, you may also get a Capital One Journey credit limit increase without asking, if your account is in good standing.
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...
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 can get Capital One Journey pre-approval by going to Capital One's student pre-approval page. Simply provide your name, address, employment status, annual income, bank account information, birthdate, and Social Security number to find out if you're pre-approved.
If you're pre-approved for Capital One Journey, you can expect high odds of approval when...
Share your insights and review the Journey Student Rewards from Capital One
5
22%
4
33%
3
28%
2
13%
1
4%
3.5
2,346 reviews
2,346 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
John Logan @johnlouislogan
Report Abuse
5 Star Rating
Verified Customer
The credit card is very good easy and helpful and reliable for any kind of emergencies use, and it very much good to be committed on the card and it will definitely improve
show more
show less
Comment
0
0
shimonburger @shimonburger
Report Abuse
1 Star Rating
Supposedly my due date is the 1st of each month but when I called to make a payment they said I'll have to pay a late fee because its after eight o'clock! So I asked the automated system to transfer me to a representative and she was not helpful at all.
show more
show less
Comment
1
0
Victor @victoradewunmi
Report Abuse
5 Star Rating
Verified Customer
This card was really easy to apply to! I am no longer a student, at 29 I am focusing on improving my credit after wrecking it 4+ years ago. I have owned the QuickSilver One card for the past 6 months and the experience has been great. I honestly wanted the Venture Card but instead of pushing it I applied for the Journey Rewards card. With the QuickSilver One card they started me with a $1500 limit then upgraded me to $4500! Capital One approved my Journey Rewards card with a $3000 limit, 6 months and one day after being approved for the QuickSilver One card! Hope this review helps a future applicant! Cheers!!
show more
show less
Comment
2
1
joe b @psuoh
Report Abuse
1 Star Rating
This card sounded too good to be true. 1% rewards, no foreign transaction fee, no annual fee and no deposit!! So I applied and received the card but very difficult to activate it. Unsure if this card is run by a 3rd party company other then capitol one. During online application I did not receive a verification code to finalize the online application but I got the card in the mail anyway. Then I called capitol one to activate the card because the instruction to download their app to activate it didn't work. The Rep tried to send me a verification code but never got it. it failed so she send me a text meddage from a IntelliCheck service which I got. I sent test text message and I got it. Why their system can't send me a text message?!! very frustrating. Then the rep wanted me to send photo of my driver license to her. I told the Rep I am an authorized user of different Capitol One card held by my spouse. At this point I was on the phone with the Rep too long and told her "forget it". I will try another bank that offers starter cards. This card must be run by a 3rd party company and not Capitol One. The whole process seemed like a scam or run by incompetent people so better off NOT doing business with them. They may end up RUINING your credit instead of improving it.
show more
show less
Comment
0
0
stacielianne26 @stacielianne26
Report Abuse
1 Star Rating
Verified Customer
Terrible! I made a purchase back the week of Thanksgiving for a Christmas gift for my daughter. The company was really shady. A company from China it turns out. They would not update me on when I would receive my items. I kept asking through email and they just kept justifying why they don't have it. I requested cancellation and a refund. They ignored several emails from me so finally I disputed it with Capital One. I thought they had my back when they issued me a credit and took the funds back from them. Then a couple weeks later I was recharged for the transaction again so I called them. So I'm told how the process goes which I was not told before. I have to say it's very disappointing! I have to dispute it again but this time by mail and reply to their letter. Meanwhile I'm over my credit limit now and it doesn't even sound promising that I will get my money back. I have disputed charges before with my bank Chase and never had to do things like this. I've been a Capital One customer for over 6 years as I bought my car through them. If they don't help solve this I definitely will never get another line of credit with them again. My advise, dont but anything online because if there is a problem then you are going to have a real hard time getting your money back. Chase bank, hands down the best customer I've ever had with any bank. I guess maybe I'm spoiled with that so my expectations are higher. But seriously its 2019 and I don't understand why I have to go through such a hassle. They really need to step their game up!
show more
show less
Comment
3
1
Zack Jarfas @ZackAttack8203
Report Abuse
1 Star Rating
Verified Customer
I have applied 2 times to get this card. The first time was that I have nothing to my name. I waited a few months and then I applied for the second time. This second time, they judge me based on what I have for a total salary income. I find it very offensive.
I would not recommend getting this card for someone who is trying to build credit with have only a lease car and an authorize card.
show more
show less
Comment
2
1
Tommy F. @tommyf_2
Report Abuse
3 Star Rating
I started my credit journey late in life. I was 30 years old with no credit cards whatsoever which was bad and good in the sense that I did not have any debt whatsoever but on the other hand when you don't have credit it's nearly impossible to get credit . Desperately searching for a credit card I stumbled up on the Capital One journey which appears to be a student card but they are willing to give it to others as well. When I first got the card it had a rather low limit of $300 and a high APR of 23% which may sound ridiculous to some but to someone with no credit whatsoever if this was a godsend. I use the card for every purchase I made over the 6 month period. And paid in full every month not just the minimum. Upon my graduation date fromt the Capital One credit steps program I received a $6,000 credit increase . Which was amazing considering that just six months prior I had zero credit. If you are in the spot to be choosy with your cards I would not bother getting this one but if you're new to credit or have limited credit by all means the journey card is a great card to have in your wallet .
show more
show less
Comment
10
3
Michele Harker @micheleh_3
Report Abuse
5 Star Rating
This is a perfect credit card for a student. Having been a Capital One customer for many years I've been very satisfied. They have many perks and when there is a problem they have no problem working with you. 5 stars all the way!
show more
show less
Comment
9
2
Stephanie Castillo @stephaniec_24
Report Abuse
4 Star Rating
As a student, I sure would love to have Journey® Student Rewards from Capital One® because of the rewards that I am going to earn. And I really love it has a grace period of 25 days and has a maximum late fee of only $35. I can't wait to grab my own card of Journey® Student Rewards from Capital One®.
show more
show less
Comment
9
7
James Sharpe @jamess_160
Report Abuse
4 Star Rating
This card is great. Capital One gave me a chance after I got rejected by many companies trying to get my first card. The rewards are modest but nice, and the APR isn't too bad for someone with no credit history. Overall, I highly recommend this card to people trying to get a start with credit.
show more
show less
Comment
8
3
Review Journey Student Rewards from Capital One
Expert Thoughts on Capital One Journey
To help people who are interested in the Capital One Journey Card make an educated decision, WalletHub posed the following questions to a panel of experts. You can find the experts listed below. Simply click “READ MORE” to check out an expert’s answers and advice.
How important is it for a student credit card to offer a feature like Capital One Journey’s rewards bonus for on-time bill payments?
How important is it for student credit cards to have no annual fees and no foreign transaction fees?
Which is better for students interested in a credit card: a flat rewards rate on all purchases or rotating bonus categories?
Walter Smith Associate Professor, School of Accountancy, Auburn University at Montgomery Read More
Di Qing Assistant Professor & Director of Financial Planning, Carolina University-Patterson School of Business Read More
Robert Haywood Scott III Ph.D. – Professor, Department of Economics, Finance & Real Estate, Leon Hess Business School – Monmouth University Read More
Anthony Macari J.D., MBA, Clinical Assistant Professor of Management, Academic Director of the Welch MBA, Sacred Heart University, John F. Welch College of Business Read More
Rui Yao Ph.D., CFP®, Professor, Personal Financial Planning Department, University of Missouri Read More
Gabriel R. Serna Ph.D., Assistant Professor of Higher, Adult, and Lifelong Education, Department of Educational Administration, College of Education, Michigan State University Read More
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
