THE GOOD

Text and email alerts:

With Journey℠ Student Rewards from Capital One®, you have the option to receive text message and email alerts concerning your account. As a college student, getting accustomed to the hectic pace can take some time. Between writing papers and studying for tests, it's understandable that an occasional payment due date might slip past you. The email and text alerts sent by Capital One® can make sure that you stay on top of your account and avoid any unnecessary late fees.

Access to monthly credit score:

As a Journey℠ Student Rewards from Capital One® cardholder, you will have access to your monthly credit score. College students are often just beginning to establish credit and having access to credit score tools can be a great way to get a better understanding of how credit scores work. With this knowledge, you can make better-informed decisions and continue to successfully build your credit.

Cash back bonus:

The Journey℠ Student Rewards from Capital One® comes with a 25% cash back bonus when a payment on your account is made on time. Budgets for college students are almost always tight, and having a little extra cash back is always appreciated. This cash back bonus is in addition to the 1% cash back earned for every purchase that you make. Purchasing those textbooks is still going to hurt financially, but at least now you know some money will be coming back.

Anytime access to cash back:

Not all student rewards cards will give you the autonomy to get your cash back whenever you want. With Journey℠ Student Rewards from Capital One®, you have the ability to request your cash back at any time and receive an account credit or a check. You can even set up redemptions to occur automatically so you don't have to worry about it. Knowing that a little extra cash is available can be useful during those times when the budget gets extra tight.

Competitive balance transfer features:

If you have an existing credit balance, having the ability to transfer funds to a new card can have financial benefits. The Journey℠ Student Rewards from Capital One® has a variety of transfer features that making transferring money to the new card easy. You can transfer money from an existing credit card, or from a personal, student, or auto loan. Although there is no introductory interest rate, there are no fees associated with the transfer, and the transfer interest rate is fairly competitive.

THE BAD

No introductory interest rate:

Many competitor college student credit cards offer a discounted introductory interest rate. There are multiple cards that offer a 0% interest rate that extends for several months. Having a low introductory rate allows you to make necessary purchases while providing time to pay off your balance. Although the standard interest rate offered by the Journey℠ Student Rewards from Capital One® is generally competitive, having an introductory rate would be a superior option.

Cash back rewards can expire:

Similar to other student credit cards in the industry, your cash rewards can potentially be lost. If you close your account, you will lose any points that you have not redeemed. In addition, points can be lost if you are delinquent on your account. To make sure you have no problems redeeming your cash rewards, make sure your account is active and in good standing.

THE DETAILS

Rates and Fees
Annual Fee $0
Cash Advance Fee $10 or 5% per cash advance
Cash Advance Rate (APR) 24.9%
Foreign Currency Transaction Fee None
Introductory Rate (APR) None
Standard Rate (APR) 19.8%
Penalty Fees
Default Penalty Rate (APR) 29.4%
Late Payment Fee $0 first time you pay late, up to $35 thereafter
Minimum Interest Charge $0.50
Over-Limit Fee None
Returned Payment Fee Up to $35
Balance Transfers
Introductory Balance Transfer Rate (APR) None
Standard Balance Transfer Fee None
Standard Balance Transfer Rate (APR) 19.8%
Rewards
Additional Rewards for Dining None
Additional Rewards for Gas None
Additional Rewards for Groceries None
Additional Rewards for Shopping None
Additional Rewards for Travel None
Bonus Points Offered 25% on the cash back earned each month when bill is paid on time
Rewards Earnings for All Purchases 1% cash back
Sign-Up Bonus None
Type of Reward Cash Back

FEATURES

Title
  • Offers Companion Reward The airline credit card offers a companion airfare reward.

  • Additional 2:1 Rewards Categories The credit card offers 2:1 rewards or more for at least one additional purchase category - like dining, travel, gas, groceries, shopping, or other.

  • Bonus Points Offered The credit card offers bonus points you can earn throughout the year.

  • No Blackout Dates There are no blackout travel dates to use your points, miles, or cash back rewards.

  • No Expiration Your rewards points, miles, or cash back rewards will never expire.

  • Unlimited Rewards You can accumulate an unlimited amount of points, miles, or cash back rewards with your credit card.

  • 2:1 Rewards or More The credit card offers 2 Points, 2% Cash Back, or 2 Miles or more for every dollar spent.

  • Sign-Up Bonus The credit card offers a sign-up bonus reward.

  • 24/7 Live Service You can speak with a live representative at any time of day about your credit card.

  • Emergency Support The credit card offers emergency support.

  • Fraud Liability The credit card offers fraud liability protection.

  • Purchase Security You will receive a refund for any item that a retailer doesn't accept as a return within a certain time period.

  • Exclusive Events You have access to exclusive events with the credit card.

  • Partner Point Transfer You can exchange your points for equal value with participating partners of the credit card, like hotels or airlines.

  • Price Protection You will be reimbursed the difference of any purchase made within a certain time period if you find a lower advertised price.

  • Redeem for Cash Back Rewards can be redeemed as cash back or statement credit.

  • Redeem for Gift Cards Rewards can be redeemed for gift cards.

  • Redeem for Other Rewards can be redeemed for other categories, such as magazine subscriptions or charity donations.

  • Redeem Online You can redeem your points, miles, or cash back rewards online.

  • Redeem for Airline Travel Rewards can be redeemed for airline travel.

  • Redeem for Car Rental Rewards can be redeemed for car rental

  • Redeem for Hotel Rewards can be redeemed for hotel.

  • Redeem for Merchandise Rewards can be redeemed for merchandise.

  • Apply By Phone You can complete the credit card application process via phone.

  • Apply Online You can complete the entire credit card application process online.

  • Instant Approval The card offers instant approval for the credit card.

  • Apply In Person You can apply for the credit card live in person.

  • No Introductory Balance Transfer Fee The credit card doesn't charge a percentage fee on the new balance transferred to the card.

  • Transfer from Credit Cards You can transfer a balance from another credit card.

  • Transfer from Loans You can transfer a balance from a loan to the credit card.

  • Introductory Balance Transfer Rate (APR) The credit card offers an introductory balance transfer rate (APR).

  • Car Rental Insurance The credit card offers car rental insurance.

  • Extended Warranty The credit card offers an extended warranty on purchases.

  • Travel Insurance The credit card offers travel insurance.

  • Flight Insurance The credit card offers flight insurance.

  • Lost Luggage Insurance The credit card offers lost luggage insurance.

  • Roadside Assistance The credit card offers roadside assistance.

Comparable


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