Journey Student Credit Card from Capital One Review

Rating: 7.5 / 10 (Very good)
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The Journey® Student Credit Card is an unsecured card offered by Capital One and designed for responsible students who are starting to build their credit score. The card has minimal application requirements, and provides a good amount of rewards and helpful services to even out its high APR.

How is Journey Student Rewards Credit Card rated?


Card Characteristics
Additional Services
Customer Experience

Overall Rating: 7.5 / 10 (Very good)

Capital One's Journey Student Credit Card is an ideal choice for responsible students who know how to manage their finances. Its high APR is offset by a lack of fees, plenty of helpful features, and rewards that encourage good credit habits. Moreover, students planning to study a semester abroad can make excellent use of its many travel related services.

Journey Student Rewards Credit Card Card Characteristics

Card Characteristics - 7 / 10

Since the Journey Student Credit Card doesn't have an introductory APR, some students may find its 24.99% opening APR somewhat staggering. However, the bank's innovative Credit Steps program more than makes up for the high rates by rewarding students for making timely payments each month. That, along with a general lack of extra fees, makes the card less expensive than its APR would suggest.

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Maximum APR
Card Type
Minimum Age
Introductory Rates
The Journey Student Credit Card has no introductory APR.


  • Employment History
  • Proof of Income
  • Social Security Number

Fees and Penalties

  • Late Fees
  • Cash Advance

Journey Student Rewards Credit Card Additional Services

Additional Services - 8.3 / 10

Journey cardholders can net a 1% cash back bonus on any purchase and increase their reward to 1.25% by making timely monthly repayments. Capital One doesn't set a limit to the amount of cash back customers can earn, and points never expire. Cardholders also get additional benefits such as travel insurance, roadside assistance, and no foreign transaction fees. These features make Capital One's Journey a great choice for those studying abroad.


Non-Expiring Rewards
Cash Back Rewards

Extra Services

  • Car Insurance Discounts
  • Travel Insurance
  • Monitoring Alerts
  • ID Theft Protection
  • Account Freeze
  • Overnight Card Replacement
  • No-Charge Fraud Liability
  • Free Credit Score
  • Travel Assistance
  • Car Rental Collision Damage Waiver
  • Extended Warranty

Journey Student Rewards Credit Card Customer Experience

Customer Experience - 7 / 10

Capital One provides 24/7 support both over the phone and through their mobile application. The app itself has received a good number of positive customer reviews and seems particularly handy, featuring services such as instant purchase notifications, mobile deposits, and credit score updates.

Customer Service

24/7 Support
Live Chat

Customer Satisfaction

BBB Rating
Trust Pilot Rating
3.3 out of 10
CFPB Total Complaints
Date Collected

Company Profile

Full Name
Journey Student Credit Card from Capital One
Company Website
1680 Capital One Drive, McLean, VA, 22102

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Top Rated
8.2 / 10
  • Easy-to-meet requirements
  • Travel protections
  • Purchase protections
  • First late-fee waiver
  • All the benefits of a MasterCard Platinum
  • Ideal for foreign students