A Comprehensive Guide to the Journey Student Credit Card – Capital One

The Journey Student Credit Card is a Great Tool for Students. Read on and find out why!

The Journey Student Credit Card is a credit card designed specifically for students. It offers competitive rates, no annual fee, and no foreign transaction fees. It also offers a rewards program with points that can be redeemed for cash back or gift cards.

In addition, students can enjoy benefits such as, unlimited access to credit scores and tools that can help in monitoring their own credit profile with free CreditWise from Capital One. The monitoring tool is available to everyone, whether or not they have a Capital One product.

Journey Student Credit Card, Everything You Need To Know

Credit cards are great ways to build credit and earn rewards. But they can also be a financial burden if you don’t know what you’re doing. That’s why you need to review available cards before applying. The Journey Student Credit Card is perfect for students because it has no annual fee and offers some of the best benefits for students.

You will receive 1% cash back on all purchases. Pay on time to boost your cash back to a total of 1.25% for the following month. No annual fee: This credit card is aimed at young consumers on a slightly limited budget. Fortunately, Capital One bank has this fee free, which is uncommon in the card world. Although, the Journey Student Credit Card is a credit card that offers students the opportunity to build their credit and earn rewards.

This card is designed for people between the ages of 18-24 and it has no annual fee. It also offers free fraud protection, which is something that most cards don’t offer. There are some drawbacks to this card though, such as the fact that there is a 3% balance transfer fee, but if you need to transfer your balance then this might be a good option for you.

Interesting characteristics

The Journey Student Credit Card has a lot of benefits for college students and recent graduates. There’s no annual fee, and the APR is very low. You can use it anywhere Visa is accepted, and you can also use it to withdraw cash from an ATM. Journey Student offers additional benefits that are standard on other Capital One Bank cards. However, these student advantages set Journey apart from other competitors.

So, if you are looking for peace of mind and security in your shopping or traveling, you are in the right place. But the Journey Credit Card lacks some key benefits, such as the Capital One SavorOne Student Cash Rewards and Quicksilver Student cards. You can earn 5% cash back when you rent a car or book hotel reservations if you use Capital One Travel. Using this Rewards card account, you earn 1% cash back on all other purchases.

Remember, balance transfers, cash advances and check transfers used to access the account will not be considered purchases, so you are not eligible for the reward. Purchases made outside of Capital One Travel, such as upgrades, hotel incidentals or other expenses, do not entitle you to the enhanced earning rate, only the standard 1% cash back.

Explore The Benefits Of The Capital One Journey Student Credit Card

• Automatic credit line revision: the customer is automatically directed to a higher credit line in less than 6 months.
• Eno Assistant: Eno is available 24/7 to help you move your accounts around. Simply message Eno for your balance, pay invoices, transactions and more.
• Stay Free of Foreign Transaction Fees: Users of this card will not pay transaction fee on purchases made outside of the United States.
• Message Alert: you are notified via text message, phone or email if the bank notices any questionable transactions on your account.
• In Case of Fraud: You will not be liable for unauthorized purchases if your credit card is lost or stolen.

Qualification Requirements

To qualify for the Journey Student Credit Card, applicants must:

• Be at least 18 years of age.
• Have a valid Social Security Number.
• Be a current college student.
• Provide proof of income or a cosigner if necessary.

How to Apply

• Visit the card issuer’s website.
• Fill in the application form with your personal and financial information.
• Provide necessary documentation, such as proof of student status.
• Review and submit your application.
• Await approval notification.

FAQs about the Capital One Journey Student Credit Card

What is the interest rate for the Journey Student Credit Card?

The interest rate varies based on your creditworthiness.

Can I use this card internationally?

Yes, the card is accepted worldwide at locations that accept credit cards.

Is there a penalty for late payments?

Late payments may incur fees and affect your credit score. It’s crucial to make payments on time.

How can I increase my credit limit?

Consistent on-time payments and financial responsibility can lead to credit limit increases.

Can I add authorized users?

Yes, you can add authorized users to your account.

EDITORIAL NOTE: We regret to inform our readers that the Capital One Journey Student is no longer available for new applications. However, we want to emphasize that fortunate existing cardholders can still fully enjoy all its exclusive benefits.