Journey Student Rewards Credit Card

Capital One Mastercard Student Pending

Back Apply Now

11

Benefits

2

Reward Categories

1.3x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: journey-student

Issuer: Capital One

Card Name: Journey Student Rewards Credit Card

Card Type: Credit

Network: Mastercard

Card Tier: Student

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 11:54

Last Scraped: Feb 06, 2026 13:29

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Other Purchases 1.25x Cash Back Earned on all purchases when you pay on time. No Cap
All Other Purchases 1x Cash Back Earned on all purchases. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Quarterly Rotating: No

Expiration Policy: Your cash back rewards don't expire for the life of the account.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 11 Total
PENDING
Financial Management 1
CreditWise Credit Monitoring
Free credit monitoring

Monitor your TransUnion® credit score and get alerts for changes to your TransUnion® credit report with CreditWise from Capital One.

Rewards 5
Unlimited 1% Cash Back
1% cash back

Earn unlimited 1% cash back on all purchases.

0.25% Cash Back Bonus for On-Time Payments
0.25% bonus

Get a cash back bonus of 0.25% on the cash back you earn each month when you pay on time, bringing your total to 1.25% cash back.

No Rotating Categories

No rotating categories or sign-ups needed to earn cash back.

Cash Back Never Expires

Cash back doesn't expire for the life of the account.

Flexible Cash Back Redemption

Redeem your cash back for any amount, any time.

Security 4
$0 Fraud Liability
$0 liability

If your card is ever lost or stolen, you're covered by $0 fraud liability, meaning you won't be held responsible for unauthorized charges.

Account Alerts

Get email or text alerts for potential fraud, unusual activity, or when a payment is due.

Eno Real-Time Fraud Alerts
Real-time alerts

Eno, your Capital One assistant, provides real-time alerts for suspicious charges.

Virtual Card Numbers

Shop online with more confidence using a virtual card number to protect your actual card details.

Travel 1
No Foreign Transaction Fees
$0 foreign transaction fees

Pay no extra fees on purchases made outside the United States.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: None
Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: Earn a $50 cash bonus after spending $100 on purchases within 3 months of account opening. This bonus is typically available once per account. Application Rules: Applicants must be currently enrolled in a higher education institution (college, university, trade school), be 18 years or older, have a valid SSN or ITIN, and meet Capital One's internal income requirements. Capital One typically pulls credit reports from all three major bureaus (Experian, Equifax, TransUnion). Approval is less likely if you have opened 2 or more Capital One credit cards in the last 6 months, or if you already have a high number of existing Capital One accounts (generally 5 or more).

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Capital One accounts, rapid application for multiple Capital One cards, abuse of rewards programs, extended periods of inactivity, significant negative changes to credit profile.

Cliff Effect Rules: Capital One generally limits new card approvals to one every six months. While the Journey Student card itself does not have a 'once per lifetime' bonus restriction like some premium cards (e.g., Venture X), approval is highly dependent on existing Capital One relationships and recent application history. Having too many existing Capital One cards (typically 5+) or recent applications will likely result in denial.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Easy approval for students, helps build credit, simple rewards, no annual fee, good for credit building.

Top Negative:
Low credit limit, high APR, limited rewards compared to premium cards, no sign-up bonus.

Approval Experience: 88.0 / 100

Recommended Alternatives
  • Discover it Student Cash Back
  • Capital One SavorOne Student
  • Petal 2 Visa Credit Card

Card Value Score: 80.0 / 100

Est. Annual Rewards: $65.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0