The Capital One JourneySM Student Rewards Credit Card is a credit card designed for students looking to establish and build credit through the responsible use of a card. The JourneySM Student Rewards Credit Card offers students with average credit the ability to have a credit card with a cash back awards program while maintaining a reasonable Annual Percentage Rate.
Use the credit card chaser tool below to compare credit cards and find out what card is best for you!
Capital One JourneySM Student Rewards Credit Card Benefits
The JourneySM Student Rewards Credit Card offers a variable 19.8% APR, but does not charge an annual fee. This means that if a student pays off the card in full each month, there is no cost of having the credit card.
Students with the card each a 1% cash bonus on every purchase, and offers the ability to transfer a balance from another credit card onto their JourneySM Credit Card with no transfer fee. The transfer rate is the same as the regular APR.
If a payment is missed in any month, the APR is raised to 29.4% and there is a late payment fee of up to $35 assessed. For cash advances, there is a 3% fee charged with a minimum of $10 charged to the account.
When the bill is paid on time each month, the student can earn a 25% bonus on the cash back amount, or an additional quarter of a percent (1/4%). The cash back awards from the JourneySM Student Rewards Credit Card do not expire, and can be redeemed at anytime either online or over the phone.
Awards can be redeemed as a check, an account credit, or even a gift card.
Like the traditional Capital One cards, the JourneySM Student Rewards Credit Card offers the following benefits:
- $0 liability for fraud
- Travel, accident, and car rental insurance coverage
- Available emergency assistance
- Dining discounts courtesy of Visa
Capital One JourneySM Student Rewards Credit Card Bottom Line
This is a good card with excellent benefits for a student looking to better their credit. Capital One encourages responsible use of credit and this card is a good way to get started and learn more about credit and the role it plays throughout life.
Many online credit card choices exist; just use the simple credit card chaser tool now!
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