Credit Cards » Credit Card Reviews » Capital One Journey Student Card Review 2021
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Capital One Journey Student Card Review 2021

Suitable for customers with average credit scores since it doesn't have an annual fee while you can still enjoy cashback rewards benefits

We may receive compensation from companies that appear on this page. This may impact how and where products appear on a page (including, for example, the order in which they appear). It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

Table of Contents

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. 

Capital One Journey Student Card

On Capital One Secure Website

Rewards Plan

Pay on time to boost your cash back to a total of 1.25% for that month.

Sign up Bonus

No Sign Up bonus

0% Intro

No

PROS

CONS

APR

26.99%

Annual Fee

$0

Balance Transfer Fee

N/A

Credit Requirements

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.

J.D. Power U.S. Credit Card Satisfaction Study 2020

In order to avoid bias based on a small number of reviews, we present only ratings with at least 200 reviews.

Advantages

Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.

Students earn up to a 1.25$ reward on each purchase, and these earnings may be redeemed as statement credits or gift cards. Statement credits are helpful to lower your card balance, while gift cards are for discounted shopping at top brands.
Students can make up to $5 every month for subscription payments to any of the streaming platforms. That is a total estimate of $60 per year.

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.

When you notice that your card has been misplaced or stolen, you can initiate a card lock. This feature will hold and prevent all transactions during the time of the lock. Customers may also request an emergency replacement until the issue is resolved.

There is a mobile application for the Capital One Journey Student card. The app lets you make purchases and check your balance as many times as you like. It is downloadable on the apple store for ios devices and on the google play store for android users.

Clients who purchase the Capital One Journey Student credit-card do not need to worry about annual fees, balance transfer costs, and foreign transaction charges. This feature is a significant advantage of using the card.

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.

You may enjoy travel insurance when you pay for the fare with your Capital One Journey Student credit card. If you rent a car with your credit card, it may include coverage for damages caused by theft or collision. This product also offers additional benefits for roadside mechanical emergencies.

Disadvantages

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 review sites believe that the Capital One Journey Student card's cashback rate is lower than most. The card has up to a 1.25% purchase rate.

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.

The product has an APR of 26.99%, which is high compared to other cards. This purchase rate is a significant turn-off.

Many credit-card companies have an introductory rate for first-time clients – this rate could last up to 6 months or a year. However, Capital One Journey Student does not offer any introductory APR.

Application Process

Visit the Capital One Journey website and click on the “Apply Now” button to begin registration.

You will be asked to fill in the boxes with your personal information, including name, date of birth, social security number, and citizenship. Scroll down to fill in your contact information as well, which includes your residential address, email, and phone number.

journey student card

Scroll down to fill in your financial details: employment status, annual income, monthly rent or mortgage, and bank accounts.

Scroll down to the “Additional Information” segment. Here, you may consent to the Electronic Communications Disclosure to receive emails on matters relating to your card application process. Tick the box to agree.

Visit the website at americanexpress.com, look for the American Express Gold Card at the top of the page and select. Click on “Apply Now” to begin your application.

The additional acknowledgments emphasize your decision for Capital One to have your personal and financial information and your full agreement to the terms and conditions. Here is your chance to go back or move on to the final stage. Click “Submit Application” to agree.

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.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.