Journey Student Rewards from Capital One

Best Starter Card for College Students

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On the secure website

Why People Love it

  • Automatic credit line increase after you pay on time for the first 5 billing cycles
  • Cash back on qualifying purchases
  • Widely accepted around the world

Details

Application Process:  Apply online and get an acceptance or rejection pretty much instantly. If the company has to manually approve your app, it might take 7 to 10 days.

Rewards:  Everyone gets at least 1% back on qualifying purchases, and you can rake in as much as $150 per year from rewards dollars. If you want to increase your cash back to 1.25%, all you have to do is pay your bill on time - making this one of the best student credit cards. It’s wonderful to be rewarded for being responsible - too bad your professors won’t increase your grades by 1.25% for turning in homework on time.

Bonus Offers: Unfortunately, the Capital One Journey Student Rewards card isn’t running any bonus offers at the moment. However, it has benefits that some other cards don’t, like a lack of foreign transaction fees. Now you’ve got the perfect excuse to study abroad this summer!

APR: There’s a 20.99% variable APR which is higher than some cards if you’ve got decent credit. If this is your first card or your FICO needs some help, then the APR isn’t so bad when you consider that other cards charge 24% to 30% for people with poor or average credit.

Annual Fee: You don’t owe a penny for annual fees. Awesome, right?

  • Variable APR
    24.99!
  • Cash Advance APR
    24.99%
  • Bonus Offers
    n/a
  • Rewards Rate
    1% to 1.25%
  • Annual Fee
    $0
  • Intro APR
    n/a

Helps establish and build credit for students who might not qualify for other cards. Includes the same benefits, such as $0 fraud liability and 24-hour travel assistance, as Visa Platinum cards and other Capital One cards.

Aside from the automatic increase you get after 5 billing cycles, some cardholders report that it’s difficult to score an approval for a credit limit increase. Also, the APR is higher than some of the other cards on our list.


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