Full Review

The Capital One Journey Card is a credit card for college students with limited or no credit that offers unlimited 1% cash back on all purchases, plus 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 VISA card network, which is accepted worldwide.

If you'd like to learn more about the Capital One Journey Card before submitting an application, you can find a quick rundown of the key points to consider below.

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. 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 will be eligible for a credit-line increase after as little as 6 months. 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.

There are several really good student credit cards available right now, and Capital Journey is one of them. Below, we’ll summarize the main reasons why that’s the case, so you have a clear idea of what to focus on when comparing offers.


Journey Student Credit Card from Capital One Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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You can apply for a Capital One Journey card online, in a Capital One branch or by phone, at 800-695-5500. No matter how you do it, your application is taken into account for instant approval.You'll need your personal information and the application will result in a hard inquiry, so that's a
The Journey Student Credit Card from Capital One is designed to help college students who are new credit users establish good habits—and earn rewards on purchases. Also, you don’t even have to be a student to qualify. If you have a limited credit history and want a simple, no-annual-fee entry into the world of credit with flat-rate rewards, this could be a good option for you.
Journey Student Credit Card from Capital One
The whole point of a student card is to embark on a journey toward using credit cards responsibly and building credit so you can increase your credit score. To do that, make purchases each month, but stay below 30% of your credit line since the credit scoring algorithms put a lot of weight on how yo
RewardsEarn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
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