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Capital One Journey Student Card Review: No Longer Available; Still Great for Current Cardholders

Claire Tsosie Author Avatar

What’s on This Page

The bottom line, pros and cons, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

This card offers simple flat-rate rewards, with a bonus for paying on time. You don’t even have to be a student to apply, so consider it if you have average credit.

Rewards rate

Bonus offer

Ongoing APR

APR: 29.99% Variable APR

Cash Advance APR: 29.99%, Variable

Balance transfer fee

$0 at this Transfer APR

Foreign transaction fee

  • 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 peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Pick the monthly due date that works best for you
  • Pay for Amazon.com purchases using your Capital One rewards
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
  • Build your credit with responsible card use

No annual fee

Qualify with average credit

Reports to the three major credit bureaus

No foreign transaction fees

Earns rewards

» This page is out of date

The Journey Student Rewards from Capital One is no longer on the market.

With the Journey Student Rewards from Capital One , you can build credit as a college student while earning cash back — no spending acrobatics required. Boasting rewards for paying on time, this card makes it easy to establish good habits early on. Here’s what you should know before applying.

» MORE: A guide to Capital One's credit cards for college students

Journey Student Rewards from Capital One : Basics

Card type: College student .

Annual fee: $0 .

Bonus: None .

Rewards: You’ll earn 1% cash back on all purchases, plus a 0.25% bonus every month you pay on time. That adds up to 1.25% in cash back. Also earn an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

APR: The ongoing APR is 29.99% Variable APR .

Foreign transaction fee: None.

Other perks:

Payments reported to three major credit bureaus (TransUnion, Equifax and Experian), which helps you build credit.

Unlimited access to your credit score through the CreditWise tool.

Virtual card numbers from Eno , Capital One’s assistant, can be used to pay for online purchases to keep your card number secure.

A card-lock feature keeps your card safe if it is misplaced, lost or stolen.

Travel and retail benefits such as travel accident insurance, auto rental collision damage coverage, 24-hour travel assistance and extended warranty protection. (Benefits may change over time.)

» MORE: Capital One credit cards mobile app review

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The Journey Student Rewards from Capital One requires you to have at least average credit to qualify. If you can meet that requirement, it's worth considering this card. Here's why it might be a good fit:

A potential credit line increase

If you make your payments on time, you can be automatically considered for a credit limit increase in as little as six months. Gaining more available credit may also give your credit score a boost , assuming you continue to only use a small amount of it.

A rewards boost for on-time payments

The card's baseline rewards rate is 1% cash back on all purchases, but you can earn an additional 0.25% (for a total of 1.25%) cash back in each billing cycle if your account is not past due on the last day of that cycle. That's below the industry-standard flat rate of 1.5% back , but it's still decent for a student card. If you're the type of person who always turns things in on time, from assignments to bills, this deal can help you save even more. On top of that, you can earn 5% cash back on hotels and rental cars booked through Capital One Travel, the issuer's online travel-booking portal.

A credit monitoring tool

You can track your credit score with CreditWise, a free app from Capital One available for iPhone and Android devices. You’ll get unlimited access to your credit score, and you'll be notified of changes to your credit report and potential threats to your personal information. The tool alerts you when your Social Security number is used with a new name or address. It also scans the dark web and alerts you if it finds your Social Security number or email address there.

Want to travel abroad for a semester? With the Journey Student Rewards from Capital One on hand, you won't incur expensive fees tacked onto each purchase. You could save a few dollars for each transaction this way — which, over the course of a few months, could add up to hundreds. As a Visa, the card is also widely accepted abroad.

Travel and retail benefits

With 24-hour travel assistance services, you can get your card replaced if it’s lost or stolen. And the travel accident insurance covers a loss when you use your credit card to purchase your fare. You can also stress less about a rental car being stolen or damaged because the auto rental collision coverage may reimburse you if that happens. (Terms apply. Benefits may change over time.)

The Journey Student Rewards from Capital One might not be the best card for all students. If you have better-than-average-credit or if the card isn't a match for your spending, consider other options.

Here are a few reasons why you might consider a different credit card:

Low rewards rates

The Discover it® Student Cash Back , for example, earns 5% cash back in rotating categories on up to $1,500 in quarterly purchases (activation required; all other purchases earn 1% back). The card also comes with free FICO scores, security alerts and no foreign transaction fees. Discover notes that there's no FICO history requirement for this card. It has a $0 annual fee.

The Citi Rewards+℠ Student Card offers an introductory 0% period for purchases — a rare benefit on a student credit card. It earns 2 ThankYou points per $1 spent at supermarkets and gas stations (on up to $6,000 spent annually) and 1 point per $1 spent on all other purchases. Plus, all purchases are automatically rounded up to the nearest 10 points.

Traditional credit requirements

If you lack a U.S. credit history, a Social Security number or both, the Deserve® EDU Mastercard for Students can be an excellent starter card. The issuer uses its own underwriting process to evaluate applications based on alternative criteria. The card earns 1% cash back on all purchases and it even offers some perks, too. It has a $0 annual fee. Terms apply.

For even more card options, take a look at NerdWallet's best-rated credit cards .

If you’re looking for high rewards rates or low interest rates, the Journey Student Rewards from Capital One may not be the best choice for you. But if you’re seeking a simple, $0 -annual-fee card that can help you build your credit and eventually qualify you for better terms, this is a very good starter card.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

alternate-pick-product-card-image

If you're building or rebuilding credit, you might be better off getting a secured credit card. These cards require a cash security deposit, which makes them easier to apply for. Capital One's secured card deserves a look because of its flexible deposit requirements.

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions

The Journey Student Rewards from Capital One is a good option for those new to credit. It’s a simple $0 -annual-fee card that can help you build credit and eventually qualify for better terms. If you’re after high rewards, though, other student credit cards may be more generous.

The Journey Student Rewards from Capital One helps you build credit by reporting your payments to all three credit bureaus, TransUnion, Equifax and Experian. It also incentivizes paying on time. You get 1% cash back on all purchases, plus an additional 0.25% in any month when you pay on time. That’s up to 1.25% cash back. It’s also well-equipped to travel abroad with no foreign transaction fees. It has a $0 annual fee.

You do not have to be a student to qualify for the Journey Student Rewards from Capital One .

The Journey Student Rewards from Capital One offers automatic credit line reviews, which allow you to be considered for a higher credit limit in as little as six months after opening your account.

The Journey Student Rewards from Capital One reports payments to TransUnion, Experian and Equifax. These companies record your payment history. With on-time payments, you can have a positive impact on your credit score.

About the author s

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Claire Tsosie

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Melissa Lambarena

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Bottom line

The Journey Student Rewards from Capital One (No longer available) may be a decent option for students building credit who want a straightforward rewards program, but it falls short of several competing student cash back cards because of its high APR and low rewards rate.

Image of Journey Student Rewards from Capital One

Journey Student Rewards from Capital One

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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

Intro offer

Intro offer is not available for this Capital One credit card.

Rewards Rate

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

Regular APR

On This Page

What are the pros and cons?

  • Current offer details
  • Key cardholder perks
  • Understanding the fees
  • Journey Student Rewards from Capital One vs. other student cards
  • Is the card worth getting?
  • Frequently asked questions

Journey Student Rewards from Capital One overview

A straightforward student card like the Journey Student Rewards Card from Capital One is a fantastic way to build credit history and learn the ropes of earning rewards. The Journey Student Rewards card weighs in as a solid starter card since it’s low-maintenance, earns cash back on all purchases, rewards good credit habits and poses no extraneous fees. Plus, its security benefits and lack of foreign transaction fees make it a great study abroad companion.

However, several other student cards may have more to offer once you’re comfortable with credit, and Capital One’s new student cards deliver a ton more value for equally fresh credit builders.

You can increase your cash back rate to 1.25 percent on purchases for the month after making an on-time payment.

The card charges no annual fee or foreign transaction fees.

You’re automatically considered for a higher credit line after only six months, which is one of the quickest review periods on the market.

This card has a high ongoing APR, even for a student credit card.

The card is missing zero-interest offers and common student perks like cellphone insurance, which other Capital One student cards offer.

You only receive your boosted rewards rate after making on-time payments each month.

A deeper look into the current card offer

Quick highlights.

  • Rewards rate: Unlimited 1 percent cash back on all purchases — boosted to 1.25 percent for the month when the card is paid on time, 5 percent cash back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Welcome offer: N/A
  • Annual fee: $0
  • Purchase intro APR: N/A
  • Balance transfer intro APR: N/A
  • Regular APR: 29.99 percent (variable)

Rewards rate

The Journey Student Rewards card earns flat-rate cash back , meaning it earns the same rewards rate on all purchases. This rewards structure can be especially helpful for student expenses like textbooks, technology and student fees that typically aren’t bonus reward categories don’t typically cover. A flat-rate card is great for students new to credit because there are no bonus categories to track and there aren’t tiered categories, making earning rewards a simple process.

However, simplicity is not always best or the most rewarding. At its best, the Journey Student Rewards card is only a fraction better as a rewards card than some of the most basic secured cards and cards for fair credit users.

How you earn

You’ll earn 1 percent flat-rate cash back on all purchases, but that bumps up to 1.25 percent back for the month if you pay your credit card bill on time. This structure works by adding an extra 0.25 percent cash back on that billing cycle’s purchases to your rewards balance if Capital One sees that your account isn’t past due by the end of the billing period.

This rewards rate isn’t bad for a student, especially if you want simplicity, but it’s far from the best. You can get higher cash back rates if you’re willing to deal with bonus categories . 

How you redeem

Like other cash back credit cards , redeeming your rewards with the Journey card can be as simple as requesting your cash back in the form of a statement credit or a mailed check. Or, if you want to explore more redemption options, Capital One gives cardholders the chance to redeem cash back as credits for previous purchases, gift cards and checkout payments through PayPal and Amazon.com’s “Shop with Points” feature.

How much are the rewards worth?

The Journey card earns cash back, so your rewards are worth an equivalent of 1 cent or 1.25 cents per dollar, depending on the rate you qualify for – which is determined by whether you pay your bill on time or not.

Capital One’s terms on other redemption options, such as Amazon’s “Shop with Points,” state that your reward value may vary. However, basic cash back is the most versatile choice and will always keep its full value. If you want consistent, predictable rewards value, you should choose cash back.

Other cardholder perks

The Journey Student Rewards card carries extra features that are standard for other Capital One credit cards , but its student perks put it a notch above several other competitors if you’re looking for some peace of mind while shopping or traveling. 

Automatic credit line reviews

If you use your credit responsibly, you may qualify for an upgrade to a higher credit line in only six months. An increased credit limit could help you improve your credit score even faster if you keep a low credit utilization ratio .

Credit card security

Besides basic account alerts and card lock, students worried about identity theft can feel a bit safer with these features:

  • CreditWise from Capital One: Cardholders can enroll for free in order to receive Experian and TransUnion credit report change alerts, as well as dark web scanning and Social Security number tracking. This level of credit monitoring means Capital One will let you know if it finds your Social Security number and other sensitive data possibly compromised on the internet.
  • Virtual credit card numbers : Capital One is one of the few issuers that still offer virtual credit card numbers. Through the Capital One Eno browser extension, you can use randomly generated tokens instead of your credit card for online purchases for an added layer of security. Eno will even keep track of nicknames you give your virtual card numbers for each merchant.
  • Fraud Coverage: You’re covered by $0 Fraud Liability if your card is ever lost or stolen and used to make unauthorized purchases.
  • Emergency Card Services: If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance, subject to available credit.

Rates and fees

If you prefer a low-maintenance credit card to start with, the Journey Student Reward card doesn’t charge an annual fee or foreign transaction fees. However, there are no introductory APR offers in case you need to make big purchases for school or moving. Unfortunately, student credit cards usually carry high interest rates and late fees, and the Journey Student card is no different. Carrying a balance means that you could be hit with the 29.99 percent ongoing variable APR and a late payment fee up to $40.

This APR is still very high compared to other top student cards , depending on your credit score. On the bright side, the Journey card’s APR won’t change with a missed payment, since there is no penalty APR .

How the Journey Student Rewards from Capital One compares to other student cards

Overall, the Journey card provides slightly better benefits than some other cards, including Capital One’s credit line increase review at six months, but the cash back rate and practical everyday perks leave much to be desired compared to a few competing cards — even Capital One’s other student cards.

The Journey card also doesn’t waive your first late fee or offer intro zero-interest periods — key benefits other issuers may extend for students. If you’re a first-time cardholder who wants a safety net while building credit, you might want to look at alternative cards like the ones presented here:

Image of Journey Student Rewards from Capital One

Recommended Credit Score

Image of Discover it® Student Cash Back

Discover it® Student Cash Back

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Image of Bank of America® Customized Cash Rewards for Students credit card

Bank of America® Customized Cash Rewards for Students credit card

Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 2% cash back at grocery stores and wholesale clubs 1% cash back on all other purchases

Journey Student Rewards vs. Discover it® Student Cash Back

Rewards-wise, Discover student credit cards offer much more than the Journey Student Rewards card. The Discover it® Student Cash Back , earns higher rates of cash back on rotating bonus categories each quarter you enroll, up to a set spending cap before it drops to 1 percent. Discover also matches all the cash back you earn at the end of your first year with the card, maximizing its first-year value.

The Discover it® Student Cash Back is also one of your best options for a low-cost student card. The Journey Student Rewards card poses a higher-than-average variable APR, but the Discover it® Student Cash Back a much more reasonable variable APR, especially for a student card. Plus, the Discover it® Student’s intro APR offer already puts it ahead of the Journey Rewards Student card. Discover’s policy to charge no annual fee, foreign transaction fee, penalty APR or a late fee on your first late payment (up to $41 after) creates an excellent safeguard for students new to credit cards. The Journey Student Rewards card does win out if you would prefer a simpler rewards structure, even if it’s not as lucrative as what you could get out of a card with rotating bonus categories. As long as your focus is locked in on building credit and paying your balances in full every month, the Journey Student Rewards’ high APR could be a nonfactor. 

Journey Student Rewards vs. Bank of America Customized Cash Rewards credit card for Students

Although the Bank of America Customized Cash Rewards Card for Students’ benefits are light compared to Capital One cards, it can be a much more rewarding alternative to the Journey card in the right hands. It also comes with better interest rates and introductory APRs that can make early student life a breeze by comparison.

This Bank of America Customized Cash Rewards Card for Students earns impressive rates of cash back on purchases in one of six choice categories that you can swap each month based on your expected expenses. These categories include online shopping, gas, dining, travel drugstores and home improvement/furnishings. You’ll also get a competitive earning rate for purchases at grocery stores and wholesale clubs and 1 percent on all other purchases. The catch here is that your highest earning categories share a quarterly $2,500 spending limit for combined purchases before reverting to 1 percent. If you’d rather have higher cash back rates with some minor spending restrictions and fewer convenience features, like CreditWise and virtual account numbers, the Bank of America Customized Cash Rewards Card for Students may be the better fit for you. Still, strategizing and keeping a close eye on your monthly spending habits could be a time-consuming task for a busy student schedule. The Journey Student Rewards card keeps things simple by earning the same rate on all purchases, and you’d still have the opportunity to earn elevated rates on hotels and rental cars booked through the Capital One Travel portal. Your final decision between these two cards could come down to time, energy, and earning value.

Best cards to pair with the Journey Student Rewards Card from Capital One

Since the Journey Student Rewards card is a flat-rate card with a low 1 percent to 1.25 percent cash back when you make an on-time payment that month, other cash back cards with higher rewards rates in your top spending categories can help maximize your rewards earnings. 

If you tend to spend money on everyday purchases, like shopping or going out with friends, the Capital One SavorOne Student Cash Rewards credit card is an excellent choice to pair with the Journey Student Rewards. Its unlimited 3 percent cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart and Target) will be a great fit. Plus, the SavorOne Student gives you unlimited 8 percent back on entertainment purchases when you book through the Capital One Entertainment portal.

Bankrate’s Take — Is the Journey Student Rewards Card from Capital One worth it?

The Journey Student Rewards Card from Capital One is an understandable option for first-time cardholders who want an easy-to-handle cash back card for every occasion. The card’s 1 percent flat cash back rate on all purchases can seem like a generous offer, especially if you’ve never earned rewards before. Plus, the card’s perks can give you peace of mind when you’re shopping or traveling.

However, the card’s high ongoing APR and relatively low rewards rate might make other student cards more valuable and accessible. Other cards — including other Capital One student cards — also offer higher rewards rates and better perks like cellphone insurance.

*All information about the Bank of America® Customized Cash Rewards credit card for Students has been collected independently by Bankrate and has not been reviewed or approved by the issuer.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Frequently Asked Questions

Do you have to be a student to get the journey student rewards from capital one, is the journey student rewards card a visa or mastercard, what is the journey student rewards card’s credit limit, does the journey student rewards card have foreign transaction fees, what credit score do you need for the journey student rewards card.

capital one journey max credit limit

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Journey Student Rewards from Capital One credit card review

Students on campus of Humboldt University, Berlin, Germany, Europe

Journey Student Rewards from Capital One Overview

Update : Some offers mentioned below are no longer available. View the current offers here .

The Journey Student Rewards from Capital One (no longer available) is not rated as one of our best rewards credit cards for students . But with no foreign transaction fees, it might be a good fit for international travelers and students traveling abroad. Since this card is relatively easy to get, requiring just an average credit rating, it's a great first credit card for some savvy students. Card rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

This page includes information about the Discover products that are not currently available on The Points Guy and may be out of date.

Student credit cards rarely represent the best value for rewards credit cards. They tend to offer fewer points with lower values than the harder-to-get cash-back rewards counterparts that are designed for people with more established credit histories.

For the latest credit card offers and deals, sign up for our free daily newsletter .

But here's the benefit: Student rewards cards are typically easier to qualify for than other rewards cards. Plus, most of the best student rewards credit cards don't have an annual fee, which is especially important for college kids on a tight budget. The Journey Student Rewards from Capital One fits these criteria. It's available to students with average credit or a short credit history, making it very accessible as a starter credit card. The rewards may not be the best, but a number of other perks help it fit into a student's lifestyle.

You can choose a due date that works best for you and you'll qualify for a higher credit limit after you make five months of payments on time. With no annual fee and no foreign transaction fees, the Journey Student card can kickstart your lifetime journey of building good credit.

Related reading: TPG beginner's guide: Everything you need to know about points, miles, airlines and credit cards

Who is this card for?

Going away to college for the first time marks an exciting endeavor in a young adult's life. It's important to carry the right credit card to begin building your credit history . A credit card also provides a convenient way to pay for everything from college books to meals with friends. If you're going to be spending money anyway, you might as well choose a student rewards credit card that gives you cash back.

The Journey Student card is ideal for students who are just learning how to manage their credit. And if you're traveling abroad, the Journey card is one of only a handful of student credit cards with no foreign transaction fees .

Related reading: Best credit cards for college students

Main perks and benefits

The Journey Student card from Capital One has benefits that are custom-built for students just starting their credit journey.

The main draw of the card, for many, is that it has no annual fee and no foreign transaction fees. Beyond that, the card provides tools that help you manage your money.

capital one journey max credit limit

Eno®, your Capital One® assistant, makes it easy to manage your account via text. You can receive alerts when bills are due or to notify you of transactions, and receive fraud alerts and notifications of duplicate transactions so you can preserve the good credit you're starting to build. You can generate a virtual pin number to shop safer online. Eno can also help you budget your money by offering insights on your spending every month.

The Journey Student card provides $0 fraud liability if your card is ever lost or stolen. You can monitor your credit through Capital One's CreditWise app.

You can set your monthly due date and ramp up your rewards to 1.25% — up from 1% — each month you pay your bill on time. A higher credit limit will reduce your credit utilization ratio, which, in turn, can help increase your credit score over time.

Related reading: How Credit Scores Work

Earning and Redeeming Rewards

You'll earn 1% to 1.25% cash back on every purchase every time you use your Journey card. Your rewards never expire, and there's no limit to how much you can earn.

Rewards come in the form of a statement credit to lower your bill, and you can redeem them at any time through your Capital One online account or mobile app. You can choose to redeem them manually or set up automatic redemption when you reach a certain amount of cash.

Which cards compete with Capital One Journey for students?

Depending on their credit rating, students have many choices when it comes to credit cards. They can opt for regular rewards cards designed for people who are building their credit or cards specifically designed for students.

If we narrow down the competitors to student-marketed cards, the main competitors of Journey include Discover it Student Cash Back , the Citi Rewards+℠ Student Card, and the Bank of America® Cash Rewards credit card for Students.

All three of these cards offer more generous rewards than the Journey card, with Discover it Student Cash Back leading the pack. Discover it Student Cash Back gives students 5% cash back on their first $1,500 in purchases in rotating quarterly categories after enrollment, and 1% cash back on everything else.

Discover also matches the cash back total after the first year of card membership, giving this card a lot of bang for the buck. Plus, good students earn a $20 statement credit for each school year their GPA is 3.0 or higher for up to five years. Like Capital One Journey, Discover's student card has no foreign transaction fees — though bear in mind that Discover may not be as widely accepted as other card types outside the U.S.

The Citi Rewards+ Student Card has a novel rewards structure. The card rounds up your rewards points on all purchases to the nearest 10 points. If you buy a meal at your favorite fast-casual restaurant and it costs $11.49, you'll earn 20 points. And a $4.33 latte will earn you 10 points – not four. Not bad.

Citi Rewards+ Student card also has a welcome bonus. You'll earn 2,500 points after you spend $500 with your card within the first three months of account opening.

The Bank of America Cash Rewards credit card for Students also has an unusual rewards structure. You choose the category that earns 3% rewards. You'll also get 2% cash back at grocery stores and wholesale clubs and 1% everywhere else. This highly customizable card can help new credit holders get used to the idea of bonus categories. You'll only earn 2% and 3% for the first $2,500 in combined purchases quarterly, yielding $75 in cash rewards, before you drop down to earning 1% on all purchases.

Bank of America offers a $100 online cash rewards bonus after you spend $1,000 in purchases within 90 days of account opening.

The Capital One Journey for Students does not have a sign-up bonus and offers fewer rewards than any of its competitors. The main benefit of the Capital One Journey card is the lack of foreign transaction fees and the tools it offers to help build your credit quickly.

The information for the Bank of America Cash Rewards credit card for Students has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related reading: How college students can maximize travel rewards credit cards

Bottom line

In general, there are better student cards to apply for than the Capital One Journey Rewards for Students. Discover it Student Cash Back carries a generous rewards structure, a sign-up bonus and no foreign transaction fees. However, if your credit is only fair or average, it may be easier to qualify for Journey. Set up automatic payment for your bill, earn a credit limit increase and prepare to move on to a better rewards card as your credit score rises.

Journey Student Rewards from Capital One review

Journey Student Rewards from Capital One review

Written by: Robin Ratcliff

In a Nutshell:

The Journey Student Rewards from Capital One is no longer available.

The Journey Student Rewards from Capital One has some great features to teach good credit management, but it’s weighed down by a high interest rate.

Other Notable Features: Bonus rewards for paying on time, credit tracking tools, credit line increase, no foreign transaction fee

With the Journey Student Rewards card, Capital One has designed a program for students geared to reinforce good credit habits, offering tools and incentives unmatched by any other student card. It is one of the best student cards for establishing good credit practices, although it falls short in other areas.

Motivates you to pay on time

Capital One provides some serious incentives for meeting your payment deadline. One of these is the CreditWise, which allows you to follow the progress of your credit score as you make or fail to make payments. After six months of timely payments, you’ll automatically be considered for a credit line increase. And then there’s a 25 percent increase to your cash back rewards every time you make the deadline. Capital One also allows you to set email and text alerts, to ensure that you don’t forget your deadline.

Cash back rewards are OK

On top of this, Capital One offers a cash-back program with a decent, if not stunning, rewards rate. You get 5 percent back on hotel and rental card bookings made through Capital One Travel as well as 1 percent back on all other purchases, a flat base rate you can boost to 1.25 percent if you make your payments on time. Rewards are also very flexible – you can redeem any dollar amount at any time. The overall value of the program is a drawback, however. Capital One falls short of other cash-back cards for students. Several cards offer large sign-up bonuses and a much higher rewards rate, thanks to rotating bonus categories.

The APR is high

The interest rate on this card is its biggest detractor. At 29.99% variable, it’s one of the highest among the student cards we reviewed. While we laud them for offering good credit management tools, we are less enthused about the high interest rate, since first-time cardholders are prone to missing payments and carrying balances. Also, there’s no introductory APR, which means cardholders are beholden to a high rate from the get-go.

This leaves us with mixed feelings about this card. We like that the card provides a strong set of incentives for good credit management, but we think the value of the card could be better. Aside from the high APR, the rewards program leaves something to be desired. We would recommend this card to first-time cardholders who are seeking to learn good credit habits with a card that contains a lot of user-friendly payment features – the value of the cash back program should be a second thought.

Is the Journey Student Rewards card worth it?

Why get the Journey Student Rewards card?

  • You’re a frequent traveler who will benefit from the travel perks, including the lack of a foreign transaction fee.
  • You want a card with a long list of features and perks.
  • You want a card that rewards you for having good spending practices.
  • You want a simple, straightforward card that will help you build a strong credit history with responsible use.

How to use the Journey Student Rewards card:

  • You can transfer a balance with no fee, but we wouldn’t recommend it due to the high APR ($0 balance transfer fee at the Transfer APR).
  • Make your payments on time to earn extra rewards points and increase your credit limit.
  • Use the text and email alerts to stay on top of your due dates.

All information about the Journey Student Rewards from Capital One has been collected independently by CreditCards.com and has not been reviewed by the issuer.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

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Maxed out on your credit card? Here’s how to dig out.

New data shows that an increasing number of borrowers are hitting the 90 percent or more threshold on their credit card limits, with Gen Z leading the way.

capital one journey max credit limit

The pandemic sent people home, and less spending meant lower credit card balances.

But those historic lows are giving way to a concerning trend: A growing number of Americans are maxed out on credit cards, with Gen Z leading the way, according to a new report from the Federal Reserve Bank of New York.

Get Michelle’s advice free in your inbox

capital one journey max credit limit

Almost 9 percent of credit card balances became delinquent in the first quarter of this year.

People miss payments for any number of reasons — forgetfulness, cash flow issues, or a loss of income — but one factor that is strongly correlated with future delinquencies is a high credit utilization rate, the New York Fed said. This speaks to the percentage of available credit tied up in outstanding balances, according to Experian. The amounts owed represent 30 percent of your credit score.

The widely known FICO scale runs from 300 to 850, and the score affects a person’s borrowing costs, insurance rates and, in some cases, ability to land a job. The concern is that borrowers using a lot of their available credit could become overwhelmed and begin to default.

Borrowers who were current on all their cards in the first quarter of 2024 had a median utilization rate of 13 percent in the previous quarter. But those who became newly delinquent had a median rate of 90 percent, which the New York Fed refers to as being maxed out.

“This makes sense, since using practically all of your available credit could indicate a tight cash-flow situation,” the New York Fed wrote.

Generation Z, those born from 1995 to 2011, were reported to have maxed out at 15.3 percent compared with 12.1 percent for millennials, 9.6 percent for Gen X, and 4.8 percent for baby boomers.

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If you’re maxed out and struggling with your debt, you might be asking some of the following questions.

Should I use a certain payoff method?

There are two popular strategies for paying off debt.

One method, called a “debt avalanche,” involves organizing such bills from the highest interest rate to the lowest. You then concentrate on paying the most expensive debt first while making minimum payments on the other cards. Then you work your way down the list.

The second strategy has various names, but I’ve dubbed it the “debt-dash.”

With this format, you list all your debts, starting with the one with the lowest balance. Take any extra money you can find in your budget and apply it to that first one while making the minimum payments on the rest of your cards or all other debts. Once you’ve knocked off the top debt, take all that money and now go after the next one on your list, and so on. If two debts are about the same amount, the one with the higher interest rate gets priority.

In my work, debtors who tackle smaller debts often become extremely motivated when they see tangible progress, and speed up paying off the rest of their obligations. This results in less interest paid overall.

Should I get help from a credit counseling agency?

If you’re having trouble managing credit card debt, get help from a nonprofit credit counseling agency through the National Foundation for Credit Counseling ( nfcc.org ).

Steer clear of debt settlement companies promising a quick fix to your financial misery. Don’t sign a contract that obligates you to pay thousands of dollars to help settle your debt. That money could be used to pay down your credit cards.

Should I take advantage of a balance transfer offer?

If your credit history is good, transferring your balances to a card with a zero percent promotion rate can help you tackle the debt.

I’m not a fan of using debt to pay debt, but this can speed up a debt reduction.

But be careful: Balance transfer offers have relatively short lives. Many offers right now range from 15 to 21 months. After the promotional period, you may face a higher interest rate if you haven’t paid off the balance.

If you don’t qualify for one of these offers, call your lender and see if you can negotiate a lower rate.

Should I tap my retirement money?

Don’t tap your 401(k) or similar workplace retirement account to pay off credit card debt.

Given the stock market’s recent record climbs , this should be a last resort. The Dow Jones Industrial Average last week closed above 40,000 for the first time. The S&P 500 index hit an all-time high.

Let that money stay invested.

Should I take out a home-equity loan or line of credit?

As of May 16, the average interest rate on a home-equity loan was 8.66 percent, according to Bankrate.com . The average HELOC interest rate was 9.17 percent.

Currently, the average credit card interest rate is 24.71 percent , according to LendingTree.

It may appear to be a better option to trade higher interest credit card debt for a lower cost home equity loan or line of credit.

However, in my experience, with zero balances on their credit cards, many borrowers end up amassing debt again.

Also, keep this in mind. You’re not “paying off” your credit cards. You’re just swapping one debt for another.

Should I be worried about being maxed out?

Maxing out your credit limit for any one card or across several cards can negatively affect your credit score.

“It should be noted that credit card utilization is a function of both balance and credit limit, and people with lower limits generally have higher utilization rates,” the New York Fed said.

Younger borrowers are more likely to have lower credit limits, which can result in a higher use of their available balance.

Gen Z borrowers have a median limit of $4,500, Fed data show. That compares with $16,300 for millennials, $21,800 for Gen X and $22,000 for baby boomers.

You’ve probably heard that you should have a credit card utilization rate of no more than 30 percent. For example, if your credit card limit is $4,000, it’s better for your score to keep your revolving balance to $1,200 or less.

Though 30 percent isn’t a hard-and-fast rule, it’s a benchmark that can signal financial trouble ahead. And a good place to hit the brakes.

B.O.M. — The best of Michelle Singletary on personal finance

If you have a personal finance question for Washington Post columnist Michelle Singletary, please call 1-855-ASK-POST (1-855-275-7678).

My mortgage payoff story: My husband and I paid off the house in the spring of 2023 thanks to making extra payments and taking advantage of a mortgage recast . Even though it lowered my perfect 850 credit score and my column about it sparked some serious debate with readers, it was one of the best financial decisions I’ve made.

Credit card debt: If you’re in the habit of carrying credit card debt, stop. It’s just a myth that it will boost your credit score. For those looking to get out of credit card debt, see if a balance transfer is right for you.

Money moves for life: For a more sweeping overview of my timeless money advice, see Michelle Singletary’s Money Milestones . The interactive package offers guidance for every life stage, whether you’re just starting out in your career or planning for retirement. You can also purchase a copy for yourself or as a gift.

Test yourself: Not rich and wondering what it’ll take to build your wealth? Take this quiz for my wealth-building tips.

capital one journey max credit limit

Capital One Main Navigation

Increase your credit limit, you might be eligible for a credit limit increase. here's how to request one..

You can request a credit line increase online and follow the directions to accept your new credit limit, if approved. 

You can also give us a call at the number on the back of your card to request a credit line increase. For personal cards, call us at 1-800-227-4825 , and for small business cards, call us at 1-800-867-0904 .

You’ll need to provide us with information like your total annual income, employment status and sometimes monthly mortgage or rent payment, so have that in hand. If you're applying for a credit line increase for your Spark business credit card, you'll also need to provide last year’s total business revenue.

Will a credit line increase request impact my credit score?

If you request a credit limit increase from Capital One, it won’t harm your credit score because we only do a soft inquiry .

Are all Capital One card holders eligible for a credit line increase?

No, some accounts may not be eligible for an increased credit line upon request. The reasons for ineligibility vary, but broadly speaking, the following accounts are usually ineligible:

  • New accounts opened within the past several months
  • Secured credit cards
  • Accounts that have received a credit line increase or decrease over the past several months

Even if your account does not fall into one of these categories, your credit line increase  request may still be declined for other reasons.

What factors contribute to a denial of a credit line increase request?

While the reasons behind a denial may vary, common reasons why your request for a credit line increase may be declined include: 

  • Your Capital One account is too new
  • There has recently been a change to the credit line on this account
  • This Capital One account was recently past due
  • Your average monthly payment has been too low
  • Recent usage of this account's existing credit line has been too low
  • The credit reporting agency has reported a recent credit delinquency
  • Your current credit score is too low

What factors does Capital One consider when reviewing my request for an increased credit limit?

The following list are examples of factors we consider when determining your request for a credit limit increase:

  • If you make on-time payments (with all creditors)
  • If you make larger monthly payments that pay down your balance
  • Changes in your employment status, total annual income, or credit score
  • Usage of your current credit line
  • Your account age and recency of your last credit line change

Related Content

Get a cash advance.

You can get cash advances up to your available cash limit.

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How to link your accounts

View and manage all of your Capital One credit cards with a single login.

IMAGES

  1. How To Get A Capital One Credit Limit Increase

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  2. Capital One® Journey® Student Rewards Credit Card Review (2020)

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  3. Capital One Journey Student Rewards Credit Card 2024 Review

    capital one journey max credit limit

  4. Capital One Journey Review

    capital one journey max credit limit

  5. Capital One Journey Student Credit Card (Overview)

    capital one journey max credit limit

  6. How to Apply: Capital One Journey Student Credit Card

    capital one journey max credit limit

VIDEO

  1. BIGGEST WINS OF 2023 ROSHTEIN, XQC, TRAINWRECKS, CLASSYBEEF

  2. Introducing the Capital One Smart Rewards™ Mastercard®

  3. What is the meaning of Max credit limit exceeded?

  4. Why Capital One Is The Best Even Though Everyone Hates Them

  5. How to Increase Capital One Credit Card Limit (Full Guide)

  6. How to increase credit limit Capital One

COMMENTS

  1. Capital One Journey Student Credit Card Review: Build Credit the Simple

    Capital One Journey Student Card Review: No Longer Available; Still Great for Current Cardholders. Earn 1% cash back on all spending, plus another 0.25% back for any month when you pay on time ...

  2. Journey Student Rewards From Capital One Review

    An increased credit limit could help you improve ... Or turn $100 cash back into $200. There's no minimum spending or maximum rewards. ... Capital One designed the Journey Student Rewards card ...

  3. Capital One Journey Student 2024 Review

    The credit limit for the Journey Student Rewards from Capital One usually ranges from $200 to $2,000, although some cardholders have reported higher limits. Since this is a student credit card ...

  4. What Is a Credit Limit & How Is It Determined?

    If your credit card has a $10,000 credit limit and you buy a $4,000 sofa, your credit limit remains $10,000. But your available credit will drop to $6,000. As you make monthly payments on the account, your available credit goes back up by that amount—minus any other charges.

  5. Capital One Journey Student Rewards Credit Card Review

    To match the 5% annual maximum with its bonus 1.25% cash back for on-time payments scheme, the Capital One Journey would require close to $24,000 in spending, assuming that the student is able to ...

  6. Journey Student Rewards from Capital One credit card review

    You can monitor your credit through Capital One's CreditWise app. You can set your monthly due date and ramp up your rewards to 1.25% — up from 1% — each month you pay your bill on time. A higher credit limit will reduce your credit utilization ratio, which, in turn, can help increase your credit score over time.

  7. Capital One Journey Student Credit Card Review

    At 29.99% variable, it's one of the highest among the student cards we reviewed. While we laud them for offering good credit management tools, we are less enthused about the high interest rate, since first-time cardholders are prone to missing payments and carrying balances.

  8. How To Get A Capital One Credit Line Increase

    To request a credit limit increase from Capital One, you can log into your online account or call Capital One directly. Credit limit increases can help your credit score, provide more wiggle room ...

  9. What Happens If You Max Out Your Credit Card?

    Maxing out a credit card can negatively affect your credit score and overall finances. That's the not-so-great news. But if you make the right moves, you could lessen the impact of a maxed-out card. Key takeaways. A maxed-out credit card can lead to declined purchases, impact your credit scores and increase your monthly credit card payments.

  10. How to Increase Your Capital One Credit Limit

    Applying for a credit limit increase. As with most credit cards, there are several ways to request a credit limit increase on your Capital One card. Arguably the easiest is by either phoning the ...

  11. 11 Highest Capital One Credit Limits (April 2024)

    19.99% - 29.99% (Variable) $0. Excellent, Good. The general consensus is that the maximum credit limit on the Capital One SavorOne Cash Rewards Credit Card is usually around $5,000. However, you may do much better if your credit score is above 800, as did one myFICO contributor who reported a $30,000 limit.

  12. How to Increase Your Credit Limit

    The Consumer Financial Protection Bureau recommends you keep your ratio under 30%. For example, if you have only one credit card account and it has a $5,000 balance and a credit limit of $15,000, your credit utilization ratio would be 33.3%. If your credit limit were increased to $20,000, your credit utilization ratio would drop to 25%.

  13. Credit Cards for College Students

    Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. 1 Earn 8% cash back on Capital One Entertainment purchases. 2 Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered through November 14, 2024. 3. Earn ...

  14. Increase Credit Limit

    CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®. See FAQs about credit line increases on Capital One credit cards. Learn how to request an increase to your credit limit on your Capital One credit card.

  15. Hit your credit card limit? Here's how to dig out.

    Here's how to dig out. New data shows that an increasing number of borrowers are hitting the 90 percent or more threshold on their credit card limits, with Gen Z leading the way. The pandemic ...

  16. The Single Best Way to Increase the Credit Limits on Your Credit Cards

    A credit limit is the maximum you can borrow on a credit card.For example, if your credit card has a credit limit of $5,000, you could borrow up to that amount, but no higher. While credit limits ...

  17. What Is a Good Credit Limit?

    This is the maximum amount you can spend with your credit card. Credit limits are based on several factors and vary by credit card issuer and cardholder. But generally, a good credit limit is simply one that meets your needs. Read on to learn more about how credit limits are determined and how you can increase yours.

  18. Request credit card limit increase

    You can request a credit line increase online and follow the directions to accept your new credit limit, if approved. You can also give us a call at the number on the back of your card to request a credit line increase. For personal cards, call us at 1-800-227-4825, and for small business cards, call us at 1-800-867-0904.