Capital One Journey Student Rewards Credit Card
Basic Information
Program ID: journey-student
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Student
Data Complete: Yes
Created: 01/07/2026 11:54
Last Scraped: 01/15/2026 06:45
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 1.25%
Bonus Categories: Flat 1.25x on all purchases (when paying on time); otherwise 1x on all purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 600 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Capital One Journey Student card targets students enrolled in an accredited college or university, aged 18 or older, with a valid SSN or ITIN. Applicants are typically approved with limited or no prior credit history, provided they can demonstrate some form of income (e.g., part-time job, scholarships, allowances). The card's primary benefit is credit building and a straightforward cash back program (1% on all purchases, boosted to 1.25% when paying on time). A common sign-up incentive for student cards is a small cash bonus (e.g., $50-$100) after meeting a low spend threshold within the first few months. Capital One generally restricts new card approvals to one every six months and limits applicants to no more than two Capital One credit cards within a 30-day period.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (especially with Capital One), rapid accumulation of high credit limits, suspicious spending patterns inconsistent with reported income, abuse of return policies, or any activity deemed to violate the cardholder agreement.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Easy to get approved for students with limited or no credit history, helps build credit, simple rewards structure, no annual fee.
Top Negative Feedback:
Low credit limit, basic rewards rate, high APR if carrying a balance, no sign-up bonus.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Discover it Student Cash Back
- Capital One SavorOne Student Cash Rewards Credit Card
- Chase Freedom Rise℠
Card Value Score: 75.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 1 cards
Avg Portfolio Age: 6 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v20231026