Douglas Olsen
The Journey Student Rewards Card from Capital One is no longer available to new applicants. It was a Visa card with no annual fee, no foreign transaction fees, and a flat rate of 1% cash back on all purchases. Students could also earn an additional 0.25% cash back each month they paid the bill by the due date, for a total of 1.25% cash back. The card incentivized paying on time and building credit, and offered an autopay feature to help cardholders qualify for the higher rate.
| Characteristics | Values |
|---|---|
| Card Status | Discontinued |
| Card Type | Visa |
| Annual Fee | $0 |
| Bonus | None |
| Rewards | 1% cash back on all purchases, plus 0.25% bonus each month you pay on time (total of 1.25% cash back) |
| Foreign Transaction Fee | None |
| Credit Score Requirement | Poor to Fair |
| Minimum Age Requirement | 18 years |
| Student Requirement | No |
| Credit Bureaus | TransUnion, Equifax, and Experian |
| Card-Lock Feature | Available |
| Virtual Card Numbers | Available |
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What You'll Learn
- The Journey Student Rewards card is no longer available for new applicants
- You can pay early to boost your cash back to 1.25% for that month
- The card has no annual fee, foreign transaction fee, or hidden fees
- You can qualify with fair credit and make on-time payments to build credit
- The card is a Visa card, so you get Visa card protections such as fraud protection
The Journey Student Rewards card is no longer available for new applicants
The Journey Student Rewards card from Capital One is no longer available for new applicants. It was a great card for young adults when it was still available. It helped students build credit history by reporting payments to all three credit bureaus: TransUnion, Equifax, and Experian. It also incentivized timely payments by offering 1% cash back on all purchases and an additional 0.25% in any month when payments were made on time, totalling 1.25% cash back.
The card was a Visa card, which meant that it came with Visa card protections such as fraud protection and zero liability. It also had no annual fee and no foreign transaction fees, making it a great option for students studying abroad.
While the Journey Student Rewards card is no longer available, Capital One offers other student credit card options, such as the Quicksilver Rewards for Students. This card allows qualifying students to earn unlimited 1.5% cash back on all purchases. Students can also earn a one-time $100 cash bonus after spending $300 on purchases within the first 3 months of opening their account.
Other alternatives to the Journey Student Rewards card include the Discover it® Student Cash Back, which has a reasonable variable APR and no annual fee, foreign transaction fee, penalty APR, or late fee on the first late payment. The Bank of America Customized Cash Rewards Card for Students is another option that offers better interest rates and introductory APRs.
If you are not a student but are looking for a starter card, you can explore other options such as the Deserve® EDU Mastercard for Students.
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You can pay early to boost your cash back to 1.25% for that month
The Journey Student Rewards Card from Capital One incentivized on-time payments by offering a boosted cash-back rate for that month. Cardholders earned 1% cash back on all purchases and an additional 0.25% in any month when they paid on time, bringing the total cash back to 1.25%. This feature helped students build credit by building a positive payment history and earning higher rewards.
The Journey Student Rewards Card is no longer offered to new applicants, but it was a good option for students when it was available. It was a straightforward card that earned cash back on all purchases and rewarded good credit habits. The card did not have complicated earnings categories or require activation during specific times of the year. It also offered an autopay feature to ensure on-time payments and qualify for the higher rate.
The Journey Student Rewards Card was a flat-rate card with a low cash-back rate compared to other cards. Other cards offered higher rewards rates in specific spending categories, which could maximize earnings. For example, the Capital One Savor Student Cash Rewards Credit Card offered unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases.
While the Journey Student Rewards Card is no longer available, there are alternative student cards from Capital One and other providers that offer similar features and benefits. The Capital One Quicksilver Student Cash Rewards Credit Card is recommended as an alternative, although it does not incentivize on-time payments in the same way. Students can also consider cards from Discover, Chase, and Bank of America, which offer their own set of rewards and benefits.
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The card has no annual fee, foreign transaction fee, or hidden fees
The Journey Student Rewards Card from Capital One is no longer offered to new applicants. However, it was a Visa card with no annual fee, no foreign transaction fee, or hidden fees. The card was designed for students to build their credit history and learn the ropes of earning rewards.
The card incentivized good credit habits by offering rewards for paying on time. Cardholders earned 1% cash back on all purchases and an additional 0.25% in any month they paid on time, adding up to 1.25% cash back. They also earned 5% cash back on hotels and rental cars booked through Capital One Travel.
The Journey Student Rewards Card was a great choice for those with a limited credit history as it only required fair credit to qualify. It offered an autopay feature to ensure timely payments and the potential for a higher credit line after six months.
While the card had no annual or foreign transaction fees, it did have a high variable APR of 29.99%. This was considered higher-than-average for a student card, and other cards offered better interest rates and introductory APRs.
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You can qualify with fair credit and make on-time payments to build credit
The Journey Student Rewards Card from Capital One is no longer offered to new applicants. However, it was a good option for students to build their credit history and learn the ropes of earning rewards. The card incentivized timely payments by offering 1% cashback on all purchases and an additional 0.25% in any month when payments were made on time, resulting in a total of 1.25% cashback. This cashback incentive encouraged good credit habits and helped students establish a positive payment history, which is essential for building credit.
To qualify for the Journey Student Rewards Card, applicants needed to be at least 18 years old, US residents, and have a credit score ranging from poor to fair (between 580 and 669). While it was designed for students, it did not require applicants to be enrolled in school. The card offered Visa card protections such as fraud protection and zero liability, as well as security benefits like virtual card numbers and a card-lock feature.
Although the Journey Student Rewards Card from Capital One is discontinued, there are alternative student credit cards available that can help build credit. Capital One offers other student cards, such as the Quicksilver Rewards for Students, which provides 1.5% cashback on all purchases. Other options include the Discover it® Student Cash Back, which has a reasonable variable APR and no annual, foreign transaction, penalty APR, or late fees for the first late payment. The Bank of America Customized Cash Rewards Card for Students also offers better interest rates and introductory APRs, making it a rewarding alternative.
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The card is a Visa card, so you get Visa card protections such as fraud protection
The Journey Student Rewards Card from Capital One is no longer offered to new customers. However, if you are an existing cardholder, you can rest assured that your card is a Visa card, and you can continue to benefit from the protections that come with it. One of the key advantages of having a Visa card is fraud protection. This means that if your card is stolen, lost, or used fraudulently, Visa will protect your account, regardless of whether the fraudulent activity occurred online or offline. This protection is especially valuable for students who may be new to managing their finances and safeguarding their personal information.
In addition to fraud protection, the Journey Student Rewards Card also offers a card-lock feature. This feature ensures that your card remains secure even if it falls into the wrong hands. You can easily lock your card if it is misplaced, lost, or stolen, giving you peace of mind and control over your finances. This feature is easily accessible and can be a crucial tool in preventing unauthorised transactions.
Visa cards also often provide additional benefits, such as purchase protection and extended warranty coverage. These benefits can vary depending on the specific card and the terms provided by Visa. It is always a good idea to review the benefits guide provided by your card issuer to understand the full scope of protections available to you.
Another notable protection offered by Visa is zero liability. This means that in the event of unauthorised use of your card, you will not be held responsible for the charges incurred. This protection is particularly important in the context of fraud and can save you from financial loss due to fraudulent transactions.
While the Journey Student Rewards Card may not be available to new applicants, it continues to provide existing cardholders with valuable protections and benefits. These features not only offer security and peace of mind but also contribute to a positive and empowering experience for students building their financial literacy and independence.
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Frequently asked questions
Yes, you can pay your Journey Student Rewards card early. In fact, paying on time is incentivized, as you get 1% cash back on all purchases, plus an additional 0.25% in any month when you pay on time.
You can pay your bill by the due date each month. The card also offers an autopay feature, so you never miss the due date.
Paying early means you can qualify for a higher rate. You can also be automatically considered for a credit limit increase in as little as six months.
It is unclear what happens if you pay late. However, the card does offer a $0 fraud liability, so you won't be responsible for unauthorized charges.
No, the Journey Student Rewards card is no longer offered to new applicants. However, Capital One has other choices, and you can check out alternatives from Discover, Chase, and Bank of America.
