Minimum Credit Score Needed 
Limited History
Journey® Student Rewards from Capital One®
By:
Capital One
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Editor’s Take
John Kiernan, Credit Card Editor
Oct 22, 2019
Review: Journey® Student Rewards from Capital One®
College kids who want to earn cash back on every purchase without jumping through hoops will love the Capital One Journey Card. It gives unlimited 1% cash back on all purchases automatically, then adds a 25% bonus (for a total of 1.25% back) each month you pay the bill by the due date. Journey® Student Rewards from Capital One® also has a $0 annual fee. The card’s $0 foreign transaction fee makes it a good study-abroad companion, too, as does the fact that it’s on the Mastercard card network, which is accepted worldwide.
If you’d like to learn a bit more about the Capital One Journey Card before submitting an application, you can find a quick rundown of the key points to consider below.
Capital One Journey Card Review Highlights:
If you’d like to learn a bit more about the Capital One Journey Card before submitting an application, you can find a quick rundown of the key points to consider below.
Capital One Journey Card Review Highlights:
- Solid, straightforward rewards. You will earn at least 1% cash back – basically the market average for a rewards card – on every purchase that you make with the Capital One Journey Card. Plus, you get a little bonus each month that you pay your bill on time, bringing your earn rate to 1.25%. Not bad for a card that requires no previous credit experience.
- Not built for carrying a balance. You won’t get a 0% intro rate from the Journey Student Credit Card. You won’t even get a decent regular APR, considering Journey’s is well above the average for a student credit card. So it’s doubly important that you pay your monthly bills on time and in full.
- Build credit for free. Credit building is without a doubt the most important reason to use any student credit card, and you can do it for free with Journey Student Rewards from Capital One. There is no annual fee, so all you have to do is pay your bill in full each month in order to avoid interest. You don’t even need to make purchases to build credit, if you’d rather avoid the temptation. But however you decide to proceed, make sure to sign up for 24/7 credit monitoring and to check your credit score on a regular basis – both of which you can do for free on WalletHub. This will help keep you spot errors and signs of fraud on your credit report as well as determine when it’s time for a credit-card upgrade.
- Higher credit lines for responsible customers. Journey cardholders who pay their first five monthly bills on time will be eligible for a credit-line increase. Being granted one would be helpful not only because it would give you more spending power, but also because having more available credit is good for your credit score. You just need to make sure you don’t overspend as a result.
- No foreign-transaction fee. The Capital One Journey Credit Card does not assess a fee for purchases processed outside of the U.S. So if you plan to study abroad or just do some backpacking with friends, you won’t have to waste any of your precious funds on fees.
Oct 22, 2019
Journey® Student Rewards from Capital One®'s 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
Journey® Student Rewards from Capital One®'s Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
26.99% (V)
-
ANNUAL FEE
$0
-
BALANCE TRANSFER FEE
None
Journey® Student Rewards from Capital One®'s Additional Info
-
MAX LATE FEE
$39
-
MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
None
-
GRACE PERIOD
25 days
-
ONLINE RESPONSE
No
-
CASH ADVANCE
APR
26.99% (V)
-
CASH ADVANCE
FEE
3% (min $10)
-
FOREIGN
TRANSACTION FEE
None
-
SMART CHIP
Yes, chip-and-signature
- Enjoy no annual fee and no foreign transaction fees
- Get a head start and build your credit with responsible use
- Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
- Pick the monthly due date that works best for you
- Get access to a higher credit line after making your first 5 monthly payments on time
- $0 fraud liability if your card is ever lost or stolen
- Monitor your credit profile with the CreditWise® app, free for everyone
at Capital One's secure site
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If you are interested in the Journey® Student Rewards from Capital One®, check out the following credit cards as well:
Related Credit Card Categories
Journey® Student Rewards from Capital One® is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Journey® Student Rewards from Capital One® to our community.
What's the usual Capital One Journey credit limit? Reply 31
Benny Joseph
@Benjy_1
The lowest credit limit they will approve you for is $300. But it depends on what you write in your application and what Capital One thinks you can afford to pay. Best of luck!
3
Upvotes
What if I am new to credit and have no history? Reply 4535
WalletHub
@WalletHub
This card was designed primarily for students, so limited or no credit history shouldn’t be an issue if you have an active college or university email address. Credit card companies tend to be rather generous with students relative to other applicants with similar credit profiles, since students have above-average earning potential and decades of financial needs ahead of them. All a student must do to qualify is demonstrate the independent income or assets needed to pay at least their minimum monthly bill (usually around $10 for student cards). However, if that’s not possible, it’s worth looking into having a parent co-sign. Please let us know if you have any other questions.
45
Upvotes
How long does it take to get this card once approved? Reply 3916
WalletHub
@WalletHub
You should receive your card in the mail within 7-10 business days after you are approved.
39
Upvotes
Are you allowed to use your cash back toward the balance owed? Reply 1711
WalletHub
@WalletHub
You can’t use it to make your minimum monthly payment, but you can certainly use it to repay part of any balance remaining thereafter. After all, a statement credit is one of your redemption options. You can learn more about your choices here: http://wallethub.com/edu/capital-one-no-hassle-rewards-review/25841/ . Hope that helps.
17
Upvotes
How is the minimum payment calculated? Reply 1715
Alex Wise
@Alex_Wise
Take the balance printed on your statement and divide by 100. If you get a number over $25, that’s your required minimum payment. If it’s lower, $25 is the min.
17
Upvotes
How long does it take to get approved for Capital One Journey? Reply 12
Antonio Blake
@bleachedboy98
You could be instantly approved for a Capital One Journey credit card if you apply online.
However, Capital One may need longer to verify your information and decide whether you’re creditworthy enough for the card. If you don’t get a decision right away, you can usually expect to hear back within 7-10 business days.
12
Upvotes
Does this card come with $300 on it? I'm just trying to get a better understanding of how this card works. Reply 108
WalletHub
@WalletHub
That is the minimum credit line you receive after approval. You should be able to begin making charges after you activate the plastic.
10
Upvotes
What is the Capital One Journey foreign transaction fee? Reply 8
Tom Lipkis
@cindercard
The Capital One Journey foreign transaction fee is $0. None of Capital One’s credit cards charge foreign fees and the Journey Student Rewards Cardis no exception. Journey doesn’t have an annual fee, either. That’s one of the many reasons why Capital One Journey is one of the best credit cards for college students, whether you’re on campus in the U.S., studying abroad, or seeing the world for fun during breaks.
Capital One Journey Highlights:
- Annual Fee: $0
- Foreign Transaction Fee: $0
- Rewards Rate: 1% - 1.25% cash back
- APR: 24.99% (V)
- Balance Transfer Fee: $0
The fact that Capital One Journey has no foreign transaction fee means you won’t pay extra when making purchases from internationally based merchants. Many cards charge as much as 3% on every international purchase.
8
Upvotes
Does this card have foreign transaction fees? Reply 73
Tommy S Davidson
@tdvdson94
Nope. No Cap1 cards do. Maybe Samuel L said not to have em :)
7
Upvotes
Can you make ATM withdrawals with this card? Reply 76
WalletHub
@WalletHub
You can do using the cash-advance option, but we must caution against doing so. Cash advances are very expensive, thus credit cards should not be used to access cash.
7
Upvotes
Journey® Student Rewards from Capital One® Reviews
Share your insights and review the Journey® Student Rewards from Capital One®.
Sep 15, 2019
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
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Jun 18, 2019
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
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
Jan 15, 2019
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
Nov 15, 2018
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
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
Feb 28, 2016
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
Jan 03, 2016
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!
Dec 28, 2015
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®.
Nov 26, 2015
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.
Nov 26, 2015
I would say this card is very fair, and the help team is really good I had a problem one day, and they we're very helpful, but just watch your spending and be smart when you use your card, make sure you have the money to pay it out within those 30 days.
Nov 20, 2015
This is great for a beginners credit card in order to help build up credit. I found the most appealing part to be the cash back. I use it to buy everything and get cash back, then just pay it off every month. I have had no issues with it yet, so it has only been beneficial so far.
Oct 15, 2015
The Journey Student Rewards credit card from Capital One is a great credit card for a student just starting out with building their credit. I love that there is no annual fee. My other credit card has an annual fee of $69 dollars a year.
It is great that there is a way to earn cash back, for a college student, every
bit of money helps! And it is awesome that my rewards never expire. I also love that there is no balance transfer fee, in case I ever need to use that feature! Great credit card!… show more
It is great that there is a way to earn cash back, for a college student, every
bit of money helps! And it is awesome that my rewards never expire. I also love that there is no balance transfer fee, in case I ever need to use that feature! Great credit card!… show more
Sep 26, 2015
I have had the Capital One Journey Student Rewards card for a little over 3 years now, and it has enabled me to build my credit score when I previously had no credit at all. The APR is a little higher than other card options, but it is intended for students who have absolutely no credit (like me!), and therefore makes sense. The rewards program is also a little lack-luster, but that's to be expected with a card like this. Overall, I am very pleased with my experience with the Journey Student Rewards card.
Capital One, as a company, have been fantastic. Any issues that I have had with the card or my account has been resolved quickly and politely, and the few times I have not been able to make proper payments, they have been very understanding. I would recommend it to anyone, and have done so several times.… show more
Capital One, as a company, have been fantastic. Any issues that I have had with the card or my account has been resolved quickly and politely, and the few times I have not been able to make proper payments, they have been very understanding. I would recommend it to anyone, and have done so several times.… show more
Jul 20, 2015
Utterly ridiculous. I have a respectable GPA above 3.0, and I can so very easily make the minimum payments, yet I was denied. Utter lunacy. These people don't appear to know what they're doing, if they did they could plainly see that I am so very easily qualified to get this card.
Jul 08, 2015
I think the rewards sell it for me. Also the 1% cash back is standard. The APR is very very high and that is what makes me rethink using this card. I like the 25 dollar max limit though too. I would say not for a beginner but for someone who will remember to use it often this would be a decent card.
May 14, 2015
Usually a student credit card is not going to have good rewards, but the Journey Student Rewards card from Capital One is better than others I've seen. Many cards offer 1% back and this one offers 1.25% not a whole lot more, but it's something. The interest rate is horrible, You can easily get a credit card that does not have such a high APR. 20% is quite high for even a beginner card.
Apr 29, 2015
This card has some good things going for it. There's no annual fee, and for people traveling outside the US, there's no foreign transaction fees. My first credit card was a CitiBank card, and it had an annual fee that was $100. It also charged me crazy fees when I was traveling outside of the country. Because I wasn't familiar with the terms of the cards, I was very surprised when I got my statement. Another thing I like about the Capital One Journey card is that you pick your own due date. So if you get paid at the end of the month, you can pick a date that ensures you have money in the bank to pay your credit card. The cash advance fee is not too high, but think twice before using it! It's a surefire way to get into trouble with your credit card.… show more
Apr 10, 2015
The Journey Student Rewards Card from Capital One seems like a good card. There is a twenty-five day grace period. There is one percent cash back on all your purchases and if you pay on time you get an extra twenty-five percent back on everyday purchases. The APR is pretty high at nineteen percent, but the is extra cash back for paying on time incentives help. They also raise your credit limit if you pay your bill on time five times most companies take awhile to raise your limit. This is a good card for college students looking to save money and help build some credit.… show more
Mar 26, 2015
The Journey Student Rewards from Capital One isn't the best student card I have seen out there. The 1% (possibly up to 1.25%) cash back is not the greatest when comparing to other cards. However, for a starter credit card this isn't to bad. The 19.8% APR is not extremely high and at least you do receive some type of incentive to use the card and pay on time.
Mar 11, 2015
Obviously a student credit card is not going to have amazing rewards, but the Journey Student Rewards card from Capital One is better than others I've seen. Most introductory cards offer 1% rewards, but with this one it is easy to earn 1.25%. Also, the interest rate is reasonable, as are the cash advance fees (which can be a big deal to college students). Another useful feature is the Credit Tracker which lets you check your credit score free of charge.… show more
Mar 11, 2015
This has been a fantastic starter credit card while I have been in school. It was a wonderful way to begin building my credit and learn how to manage using a card. I especially loved how this student card had no foreign transaction fees, which became incredibly useful when I went abroad. My card was accepted in every country to which I traveled and I never had to worry that I was incurring additional fees.
Feb 23, 2015
Overall I have had decent experiences with capital one, upon looking at the Journey Student Rewards card my opinion remains positive. The interest rate for general purchases and cash advances are around 20% which is good for someone’s first card. The maximum late fee is $35 which is slightly cheaper than other companies and there is a 25 day grace period. Another great feature of this card is that if you make your first 5 payments on time you will automatically receive a credit line increase. There are no monthly fees and you even get to choose the best time of the month to pay your bill. Overall capital one is my personal favorite credit card company.… show more
Feb 11, 2015
My Journey Student Rewards credit card has exceeded far beyond my expectations! It's great that I was able to begin with only a $300 credit line because I was able to get used to having my first credit card without being allowed to spend more than I could afford to pay back. Also, while a little over 19% interest is high, it's much lower than most competetors. Also you get cash back rewards for paying your bill on time which is a HUGE advantage for me and the main reason I chose this card. This is a great card for students who are trying to build up their credit and dont want to accidentally get carried away by late fees and high debt. I'd definitely recommend this card to anyone!… show more
Dec 16, 2014
The Journey Student Rewards card from Capital One is a great card. With a regular rate of 19.8% for purchases and a 25 day grace period, it is better than many other cards I had, which came with rates as high as 24.99%. There is a 1.25% cash back reward just for paying your bill on time every month!
Nov 25, 2014
The journey student rewards from capital one card is a great card. The main thing that I like about this card is the rewards. You get rewards for paying your bill on time as well as when you make purchases. I don't like the interest rate. 19.8 is a little on the high side.
Nov 07, 2014
An interest rate of 19.8% is pretty high, but if you plan to pay the balance within the grace period the Journey Student Rewards card is great for managing your expenses. The option to choose your due date is a good in terms of assisting you manage your cash flow. Being able to have a credit line increase after 5 payments is a good option. Compared to American Express its a pretty good option.
Oct 10, 2014
The Capital One Journey Student Rewards card is a fantastic way to start building your credit history.
No hassles, decent rewards, no annual fee, and a pretty reasonable interest rate. It's a good way to build your credit. Plus, even without a credit history, it's easy to get. Which is invaluable to a student just starting out.
Compare this to the CitiBank College card. It has a variable interest rate (Which is nice while it lasts but will inevitably track up to the top), a higher cash advance interest, and a shorter grace period. Not only that but it's actually difficult for a college student to get despite being a student card.
Compared to that, the Journey Student Rewards card is the clear winner and I would recommend it to anyone looking to start their credit history.… show more
No hassles, decent rewards, no annual fee, and a pretty reasonable interest rate. It's a good way to build your credit. Plus, even without a credit history, it's easy to get. Which is invaluable to a student just starting out.
Compare this to the CitiBank College card. It has a variable interest rate (Which is nice while it lasts but will inevitably track up to the top), a higher cash advance interest, and a shorter grace period. Not only that but it's actually difficult for a college student to get despite being a student card.
Compared to that, the Journey Student Rewards card is the clear winner and I would recommend it to anyone looking to start their credit history.… show more
Oct 06, 2014
This is an excellent and hassle-free credit card to establish, build, or rebuild credit.
Sep 18, 2014
This is good card for students to build credit history (or rebuild, like myself). I have "average" or "fair" credit with a FICO score around 630-640. The benefits are very nice especially since this is a card that doesn't require "excellent" credit. There is no annual fee! You also earn 1% cash back on all purchases and get 25% bonus when you pay on time. Online service is great and easy to use. I have not had a reason to call customer service so I can't comment on that aspect of the card. Capital One online has a free credit tracker providing your Fico score as well as credit score simulators (similar to Credit Karma). The only reason I didn't give it the full five stars is because the apr is 19.8%. But hey, you have to start somewhere.… show more
Sep 15, 2014
I like that this card has no annual fee. I've had this card for 3 years, I got it when I first went into college and now my credit score is looking great! Definitely recommend to any new college students who want to build credit. The only downside is the high interest rate but thats what you get when you don't have any credit. Build it up and be responsible.
Sep 12, 2014
I love this card because of two reasons. One is the cashback of 1%. I like the cashback because it can be used for anything. Second, I like the cashback bonus for making payments on time. This is a nice incentive. The percent interest rate is a bit high, but then again the minimum requirement is fair credit so that makes sense. I give this credit card a decent rating of 4 out of 5.
Aug 23, 2014
i love The JOURNEY VISA, it has NO annual fee, it gives you up to 1.25% cash back unlimited, you can change the design of the card and make it look like any of the other Capital One cards, NO foreign transaction fees and you can get this card with a FICO in the 500s....
Aug 13, 2014
This card is perfect for college students like myself. I currently have the U.S Bank VISA card and it doesn't provide any cash back at all! Its great for young people to grab this card up and use it to improve their credit score. I would recommend using it for everyday purchases to take advantage of the cash back and then simply paying it right away as you get home from the store. Also if you forget its awesome that they give you such a large grace period! Hope this helps!… show more
Aug 12, 2014
This Card is great for those that are establishing Credit and has some Perks. What i also like about the Card is the low APR than most i have seen. Good Card for when i need to purchase a few items for my studies in school. It helps a great deal especially when a person is low on funds. I approve of the Perks added because in the long run it turns out to be very beneficial.… show more
Jul 30, 2014
I currently have the BankAmericard Visa and I that the Journey Student Rewards from Capital One doesn't offer a promotional period for 0% interest which I feel like every card should have atleast a six month period. I also see that you can choose your own due date which is great so you can space out your bills and not have all your bills due at once. I also like that there are no annual fees which is something I always look for in credit cards. Also I see that there are some cash rewards, not as much as my bank of America credit card but good to see some.… show more
Jul 30, 2014
This card helped me build my credit score and is good for college students wanting to start healthy credit habits. The automatic credit line increase after several months of on-time payments is a good incentive to encourage responsible credit card use. The minimum payment is affordable for college students and the low introductory credit line makes it difficult to get into too much debt too quickly as a first-time credit card user.
Jul 22, 2014
The Journey Student Rewards card from Capital One seems like it would really only be a good option for first time card owners, which makes sense since it is a Student card. It allows flexibility because you get a 25 day grace period which seems pretty long compared to other cards. The rewards are only 1% and I think that is very low compared to other rewards card. I currently use the Discover It and I get 2% on most things so I will stick with that. I do like that the Student Rewards has no balance transfer fee though. That is a big plus.… show more
Jul 10, 2014
I like the fact that i will get a bonus just for using the card. I love the design and color of the card., The problem with the card though is that if they are going to give us a base earn, why does it have to be so low? One percent will not do anything for me. I can not even afford a gallon of gas with that! I don't understand why, if they are going to give us some extra pocket money to show their appreciation, why do they no give us a higher percentage? I do not see how 5% would be unreasonable, do you? The more the merrier, right? Currently, I use the Chase bank cards. They have a lot of issues with their business. In fact, I have thought about actually trading to a different company. This one looks like it is decent, but I do not like companies that give the fewest amount of money possible because, well, they can. There has to be a huge catch to this company.… show more
Jun 30, 2014
This credit card is one of the few out there that is worth it for students trying to build credit. The reward is quite small (a penny for every dollar), but so too is the interest rate as well as late fees. Not to mention you earn more money for paying bills on time! The Journey Student Rewards by Capital One should defiantly be on the top of the student credit card list.
Jun 13, 2014
The reward is very small. $00.01 for every dollar is your reward. So it takes $100 to make $1. You can find better. I also recommend you start off with a secured credit card If you do not have a cosigner you MAY automatically start off at $300 as your credit limit. Which is small. If you look at your credit score such as Transunion you should not spend more than $30 of that or your credit utilization will go up(bad). It takes about 6 months for Capital One to raise the credit limit by $100... If you get it in the first place.. You are better off with a secured credit card because you are in full control. You can always have a better credit utilization, etc...… show more
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Last updated on: October 22nd, 2019 at 14:03
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If you are interested in the Journey® Student Rewards from Capital One®, check out the following credit cards as well:
Related Credit Card Categories
Journey® Student Rewards from Capital One® is related to the following categories:
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Offer last updated: Oct 22nd, 2019 at 14:03 ET