Journey® Student Rewards from Capital One®

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Above Average Credit, Fair Credit Student $0 N/A* N/A* %* - 26.99%* Cash Back


Quick Summary:
This is a Mastercard cash back rewards card issued by Capital One. This card may be restricted to college students with an above average credit history. It is unlikely, but possible that you will be asked for proof of acedemic involvement before finalization of the card acceptance.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 623 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Capital One product.

Other Basics:
The grace period listed for the Journey® Student Rewards from Capital One® is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

Before applying, you may need information about your college or university, such as the name, address, phone numbers, and dates attended.This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Approval Rate:
There were 14 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 86% of those applicants were approved.

The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 623, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 80% of 5 users recommend this card.

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