Credit Cards » Credit Card Reviews » Capital One Journey Student Card: 2022 Review
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Capital One Journey Student Card: 2023 Review

Suitable for customers with average credit scores since it doesn't have an annual fee while you can still enjoy cashback rewards benefits
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

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Journey Student Rewards from Capital One

Capital One Journey Student Card

Rewards Plan

Up to 1.25%

Sign up Bonus

None

Credit Rating

Fair – Good

0% Intro

No

Annual Fee

$0

APR

28.49% (Variable)

On Capital One Secure Website

Journey Student Rewards from Capital One

Capital One Journey Student Card

On Capital One Secure Website

Rewards Plan

Up to 1.25%

Sign up Bonus

None

0% Intro

No

PROS

CONS

APR

28.49% (Variable)

Annual Fee

$0

Balance Transfer Fee

N/A

Credit Requirements

Fair – Good

Contrary to its name, Journey Student Rewards from Capital One is a credit card for students and non-students. You can earn 1% cash back and another 0.25% if you pay on time, so you can boost your cash back to a total of 1.25% There is no annual fee charge, and you may earn up to $60 per year if you subscribe to the streaming platform(s) available. Also, there is no fee for international purchases. The APR for the Capital One Journey Student card is 28.49% (Variable).

The website features an automated customer service available for twenty-four hours, seven days a week, to help customers check their account balances and make quick transactions. Responsible clients can use the Capital One Student card to build credit and access credit scores as often as they like, with up-to-standard tracking tools. This platform permits you to increase your credit line after six months.

  • Cashback
  • Free $5 per month for streaming
  • Credit Line Increase
  • Card Lock & Emergency Replacement
  • Mobile Application
  • Exempted Charges
  • Track Your Score
  • No Fraud Liability
  • Insurance Benefits
  • Low Cashback Rate
  • No Sign-up Bonus
  • High APR
  • No Intro Rate

What is the initial credit limit?

Capital One does not promote a specific initial credit limit, but you can expect a limit of $300 to $2,000 depending on your credit circumstances.

Can I Add An Authorized User?

Capital One allows you to add an authorized user to your Journey account. There are no additional costs for this feature, but you will need to provide the person’s details including their full name, address and date of birth. Capital One also makes it easy to remove authorized users from your account if you no longer want to take responsibility for their financial charges.

Does It Report Payments To All Credit Bureaus?

Capital One does report all payment activity for Journey accounts regularly to all three credit bureaus. This means that if you are using your card responsibly, you should have an increase in your score across all credit scoring platforms.

Can I Get Pre Approved?

Unfortunately, it is not possible to get pre approval for the Capital One Journey. This means that if you click apply online, it will be a full application, which will trigger a hard credit pull.

Table of Contents

Advantages

Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.

Students earn 1% cash back and another 0.25% if you pay on time, so you can boost your cash back to a total of 1.25%These earnings may be redeemed as statement credits or gift cards. Statement credits are helpful to lower your card balance, while gift cards are for discounted shopping at top brands.

Students can make up to $5 every month for subscription payments to any of the streaming platforms. That is a total estimate of $60 per year.

Compared to most student credit-cards, Capital One Journey gives customers a chance to increase their credit line as early as six months after usage. Provided that they spend responsibly and maintain good scores.

When you notice that your card has been misplaced or stolen, you can initiate a card lock. This feature will hold and prevent all transactions during the time of the lock. Customers may also request an emergency replacement until the issue is resolved.

There is a mobile application for the Capital One Journey Student card. The app lets you make purchases and check your balance as many times as you like. It is downloadable on the apple store for ios devices and on the google play store for android users.

Clients who purchase the Capital One Journey Student credit-card do not need to worry about annual fees, balance transfer costs, and foreign transaction charges. This feature is a significant advantage of using the card.

Capital One Journey provides customers and non-customers with credit score tracking tools. This feature allows you to manage and build your score effectively.

There is always the possibility of losing your card or it being stolen. When this happens, Capital One Journey does not charge you for fraud liability. There is a zero percent fraud liability on all unauthorized transactions.

You may enjoy travel insurance when you pay for the fare with your Capital One Journey Student credit card. If you rent a car with your credit card, it may include coverage for damages caused by theft or collision. This product also offers additional benefits for roadside mechanical emergencies.

Disadvantages

Let’s take a look at the disadvantages of this credit card and see if it’s the right one for your wallet or not.

Many review sites believe that the Capital One Journey Student card's cashback rate is lower than most. 

Many credit card companies offer sign-up bonuses as an incentive to attract customers. Here, clients are not entitled to any welcome bonus after opening the account.

The product has an APR of 26.99%, which is high compared to other cards. This purchase rate is a significant turn-off.

Many credit-card companies have an introductory rate for first-time clients – this rate could last up to 6 months or a year. However, Capital One Journey Student does not offer any introductory APR.

How To Apply For Capital One Journey Student Card?

Visit the Capital One Journey website and click on the “Apply Now” button to begin registration.

journey student application 1

You will be asked to fill in the boxes with your personal information, including name, date of birth, social security number, and citizenship. Scroll down to fill in your contact information as well, which includes your residential address, email, and phone number.

journey student application 2

Scroll down to fill in your financial details: employment status, annual income, monthly rent or mortgage, and bank accounts.

Scroll down to the “Additional Information” segment. Here, you may consent to the Electronic Communications Disclosure to receive emails on matters relating to your card application process. Tick the box to agree.

Visit the website at americanexpress.com, look for the American Express Gold Card at the top of the page and select. Click on “Apply Now” to begin your application.

The additional acknowledgments emphasize your decision for Capital One to have your personal and financial information and your full agreement to the terms and conditions. Here is your chance to go back or move on to the final stage. Click “Submit Application” to agree.

Is the Capital One Gold Journey Student Card Right for You?

The Capital One Journey Student card is suitable for customers with average credit scores. Please note that the name could be misleading as it is not for student customers alone.

You should use this product if effective score management is your priority and want to earn cashback rewards. Early payment pays off as you may gain an extra 0.25% cashback rate.

If you have a habit of maintaining good credit, you may be qualified to increase your credit line within six months of using the card. It is your ideal card for transacting with foreign merchants because there are no charges.

FAQ

If your application is denied, it is unlikely that Capital One will provide a reason. So, it is a good idea to check your credit report to see if there are any red flags, such as a high credit utilization ratio, which could be responsible for being declined.

This means that you can then work on this area of concern and consider reapplying at a later date. However, the Capital One team may offer approval for a secured card or other card options.

Capital One has a decent online platform for its customers, which allows you to manage all your Capital One accounts.

When you log into your Capital One bank account, there is the option to link a credit card. This will allow you to manage your card from the same platform as your bank accounts.

Capital One cannot provide a specific answer to this question, as how long it takes to affect your credit score will depend on your spending habits, payment activity and general credit situation.

However, a good rule of thumb is that if you use your card responsibly, you should be able to see an improvement in your score in approximately six months.

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Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Table of Contents

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.