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Contrary to its name, Capital One Journey Student is a credit card for students and non-students. Clients have a lot to benefit from using this product, including a 1% to 1.25% cashback on all transactions. There is no annual fee charge, and you may win up to $60 per year if you subscribe to the streaming platform(s) available. Also, there is no fee for international purchases, and customers are liable to claim 0.25% extra on their cash backs for early payment. The variable APR for the Capital One Journey Student card is 26.99%.
The website features an automated customer service available for twenty-four hours, seven days a week, to help customers check their account balances and make quick transactions. Responsible clients can use the Capital One Student card to build credit and access credit scores as often as they like, with up-to-standard tracking tools. This platform permits you to increase your credit line after six months.
This product offers a twenty-five-day grace period without interest for late-payments and a 0% fraud liability for stolen or misplaced cards. Clients are permitted to select a due date every month, and they can use the autopay feature. Autopay is a programmed form of repaying credit-card debt – opting for this feature saves you from worrying about late charges. After a client has exhausted the grace period, he may be requested to pay late fees up to $40.
On Capital One Secure Website
Sign up Bonus
Balance Transfer Fee
No Credit – Poor
Cash backs may be redeemed as statement credits, which reduces your card balance. There is also free and downloadable software for convenient transactions within your home's comfort. A significant drawback is the APR of 26.99, which is considerably high compared to other student credit cards.
You may purchase this product provided you are above 18 years of age and have all your personal and public information. These include name, date of birth, email, home address, driver's license, phone number, social security number, annual income, existing debts, and US citizenship.
Card & Issuer Reputation
- 3.6/5 on WalletHub customer reviews (+2300 reviews): WalletHub customer reviews allow customers to post positive, negative or neutral reviews about marketplace experiences.
- 4.6/5 on Official Card Website customers reviews ( +8300 reviews): Customers can express their opinion on the official card website. It reflects the overall measurement of reviewer satisfaction, represented numerically from 1 to 5.
- 808/1000 on J.D Power: Capital One got 808 out of 1000 available points on J.D. Power credit card satisfaction survey, lower than industry average. J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more.
Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.
Compared to most student credit-cards, Capital One Journey gives customers a chance to increase their credit line as early as six months after usage. Provided that they spend responsibly and maintain good scores.
Capital One Journey provides customers and non-customers with credit score tracking tools. This feature allows you to manage and build your score effectively.
There is always the possibility of losing your card or it being stolen. When this happens, Capital One Journey does not charge you for fraud liability. There is a zero percent fraud liability on all unauthorized transactions.
Let’s take a look at the disadvantages of this credit card and see if it’s the right one for your wallet or not.
Many credit card companies offer sign-up bonuses as an incentive to attract customers. Here, clients are not entitled to any welcome bonus after opening the account.
Is the Capital One Gold Journey Student Card Right for You?
The Capital One Journey Student card is suitable for customers with average credit scores. Please note that the name could be misleading as it is not for student customers alone.
You should use this product if effective score management is your priority and want to earn cashback rewards. Early payment pays off as you may gain an extra 0.25% cashback rate.
If you have a habit of maintaining good credit, you may be qualified to increase your credit line within six months of using the card. It is your ideal card for transacting with foreign merchants because there are no charges.