Credit Cards
Journey Student Rewards from Capital One review
Being a student doesn't have to be harder than it already is. Let Journey Student Rewards from Capital One help you with cashback and a mobile app to help you keep track of your expenses.
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by Julia Bermudez
With this card, you’ll start your credit journey the right way
The Journey Student Rewards from Capital One is a good option when you’re going to college and need a credit card to build credit, as you’ll see in this review.
Apply for Journey Student Rewards from Capital One
If you need a credit card to be with on your student years, check how to apply for the Journey Student Rewards credit card from Capital One. It has rewards and no fees.
Many students think they can’t get a good credit card if they don’t have a strong credit history yet. But that’s not true.
There are many decent credit cards for students, and the Journey Student Rewards from Capital One is one of these good options. Read this Journey Student Rewards from Capital One review all the way to see how it will help you during your college years.
- Credit Score: No credit score is required (but you have to prove a school enrollment)
- APR: variable 26.99% APR
- Annual Fee: $0 annual fee
- Fees: 3% or at least $10 cash advance fee; $40 late payment fee.
- Welcome bonus: No welcome bonus
- Rewards: 1% cashback on every purchase, with an extra 0.25% if you pay on time.
Journey Student Rewards from Capital One: is it a good card?
Journey Student Rewards from Capital One will give you a real credit lien to start your credit history. You should start using a credit card as soon as possible because credit length is an important factor in your credit score.
With no APR and the possibility to earn rewards, this card will be a great opportunity to learn how to deal with credits and with rewards programs.
There are two good reasons for you to pay your credit card bill always on time. The first reason is that you’ll receive an extra 0.25% cashback on top of the 1% flat rate every time you do it.
Second, is because the APR is a little salty, and you would be better off avoiding paying interest on your credit card balance.
It has 4.5 starts on the review, so you can say Capital One has a lot of satisfied customers.
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Journey Student Rewards from Capital One: should you get one?
Let’s highlight some pros and cons. Remember that every credit card requires responsible use to be effective. Otherwise, you can put yourself in trouble by accumulating a snowballing debt. See the pros and cons next in our Journey Student Rewards from Capital One review.
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Benefits
- No credit score is requires
- You’ll pay a total of zero dollars per year to use this card
- Cashback rewards program. You’ll get rewarded for your responsible use with extra cashback.
- After six months you’ll get considered for a credit limit increase.
- 24/7 customer assistance
- There are no foreign transaction fees, so you can take this Visa card with you everywhere in the world.
- Various protection and security services for your account
Disadvantages
- No welcome bonus
- The cashback rates are not that high, and you can find cards with more attractive rewards programs.
- Take care with the 26.99% APR on purchases
What is the required credit score?
Like most student credit cards, this one does not require any credit score. Capital One (and other financial companies) do not expect you to have a solid credit history at an early age. But you do have to prove that you are a student.
Journey Student Rewards from Capital One application
Now that you’ve read our Journey Student Rewards from Capital One review, it’s time to learn how to apply. The following content will tell you everything about the application process. Luckily, this kind of process has become less bureaucratic over the years, and you can do it online now.
Apply for Journey Student Rewards from Capital One
If you need a credit card to be with on your student years, check how to apply for the Journey Student Rewards credit card from Capital One. It has rewards and no fees.
About the author / Julia Bermudez
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