journey capital one student credit card

• Search Search Please fill out this field.

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more .

• Credit Cards
• Best Credit Card Companies

Best Credit Cards 2024

How to choose the right credit card

Katrina Ávila Munichiello is an experienced editor, writer, fact-checker, and proofreader with more than fourteen years of experience working with print and online publications.

Credit cards can play an important role in how you make purchases and manage your finances. They can be used for everyday purchases like groceries or gas, as well as big-ticket items like vacations. And many credit cards offer you extra benefits so you can earn and save more, and lead your desired lifestyle.

The best credit cards offer cash back, miles, or points; offer protection on purchases; and provide interest-free financing opportunities and other valuable benefits. When used responsibly, credit cards can also help you build credit. However, with so many credit cards to choose from, it can be challenging to find the right card for your situation. That's why Investopedia's list of best credit cards can help guide the way.

To find the best credit cards for our list, we evaluated each card based on its fees, rewards, welcome bonuses, introductory offers, features, and benefits.

• Best Overall, Best Cash Back Credit Card: Capital One Quicksilver® Cash Rewards Credit Card
• Best Travel, Best Rewards Credit Card: Chase Sapphire Reserve®
• Best Airline Credit Card: United℠ Explorer
• Best Hotel Credit Card: World of Hyatt Credit Card
• Best Balance Transfer Credit Card: Citi® Diamond Preferred® Credit Card
• Best Student Credit Card: Bank of America® Travel Rewards for Students
• Best Business Credit Card: Ink Business Preferred℠ Credit Card
• Best Groceries Credit Card: Blue Cash Preferred® Card from American Express
• Best Online Shopping Credit Card: Capital One® SavorOne® Cash Rewards Credit Card
• Best Secured Credit Card: Capital One Platinum Secured
• Our Top Picks
• Capital One Quicksilver® Cash Rewards Credit Card
• Chase Sapphire Reserve®
• United℠ Explorer
• World of Hyatt Credit Card
• Citi® Diamond Preferred® Credit Card
• Bank of America® Travel Rewards for Students
• Ink Business Preferred℠ Credit Card
• Blue Cash Preferred® Card from American Express
• Capital One® SavorOne® Cash Rewards Credit Card
• Capital One Platinum Secured
• See More (7)

Final Verdict

• Compare Credit Cards

Frequently Asked Questions

Methodology, best overall , best cash back credit card : capital one quicksilver® cash rewards credit card.

Earn $200 cash bonus once you spend $500 on purchases within 3 months from account opening.

• Why We Chose It
• Pros and Cons

The Capital One® Quicksilver Cash Rewards card is our best overall credit card and best for cash back because of its combination of low fees, low interest, and high rewards earning rate. With no annual fee, you don't need to worry about making sure you're extracting maximum value from the card every year to make it worth it.

The absence of a foreign transaction fee makes this a rare cash back credit card that’s worth bringing on a trip abroad and helps make a compelling case that if you're only going to carry one card, this should be it.

Simple rewards program with a solid return

Decent introductory offers on purchases

No annual or foreign transaction fees

No bonus rewards rates

One-time bonus is relatively modest

Read the full Capital One Quicksilver Cash Rewards Credit Card review.

Best Travel , Best Rewards Credit Card : Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

The Chase Sapphire Reserve® is our best credit card for travel and best for rewards because of its competitive one-time point bonus, high rewards earning rate, and its suitcase-full of travel perks and benefits. Points are worth 50% more if you redeem them for travel through the Chase Ultimate Rewards portal, and you can transfer points on a 1:1 basis to a long list of eligible hotel and airline partners.

While the annual fee is high, if you're an avid traveler, the $300 annual travel credit can help justify the expense. Chase Sapphire Reserve also offers numerous other premium travel-related benefits and flexible redemption options through Chase's Ultimate Rewards program.

Excellent points rewards rate for travel and dining

Complimentary Airport Lounge Access plus Global Entry or TSA PreCheck fee credit

Points are worth 50% more for travel bought through Chase Ultimate Rewards

Annual travel credit

$550 annual fee

Limited high-rewards categories

Strong credit is recommended

Read the full Chase Sapphire Reserve Credit Card review.

Best Airline Credit Card : United℠ Explorer

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Based on our analysis, the United Explorer Card offers the one of the highest value per mile earned of any airline credit card, and miles can be redeemed in multiple ways, including for flights on member participating airlines in its Star Alliance, one of the largest global airline partnerships. You'll need to be committed to United as your primary airline in order to maximize the benefit from the card.

The card's compelling introductory bonus really adds to the card's value because of the high value placed on redeeming those miles with United. The $95 annual fee is in line with its competitors and is waived the first year. The card does not charge foreign transaction fees, which helps make it an excellent choice for international travel.

United has announced that it has permanently eliminated reservation change fees, which should greatly reduce any traveler anxiety around booking future award travel with earned miles and make the introductory bonus on this card that much more appealing.

Annual fee is waived the first year

Earn two miles per $1 on United, dining, and hotels

Exclusive perks with United, like early boarding and free checked bags

Fewer free checked bags than some competing airline cards

Balance transfer fee of 5% (min $5)

Read the full United Explorer Credit Card review.

Best Hotel Credit Card : World of Hyatt Credit Card

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Our choice for the best overall credit card for hotels is the World of Hyatt Credit Card because it offers an attractive introductory one-time bonus of 30,000 points after spending $3,000 in the first three months of account opening. World of Hyatt cardmembers also earn an automatic award night at a category 1-4 Hyatt property upon each anniversary, which alone can justify the card's modest annual fee of $95.

As for the World of Hyatt Credit Card's rewards earning rate, cardmembers can enjoy 4 Bonus points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base points for Hyatt per eligible $1 spent for being a World of Hyatt member. Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit, and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases. Investopedia values World of Hyatt points higher than any other hotel brand.

Outstanding introductory rewards bonus

Superior points value among hotel reward cards

Anniversary award night good for a stay at category 1-4 Hyatt properties

Annual fee isn't waived first year

Hyatt hotels are not as widespread as other hotel chains

Rewards earning structure can be confusing

Read the full World of Hyatt Credit Card review.

Best Balance Transfer Credit Card : Citi® Diamond Preferred® Credit Card

The Citi® Diamond Preferred® Credit Card is an excellent choice for transferring a balance. It offers a 0% introductory rate on purchases for 12 months and 0% on balance transfers for 21 months.

Balance transfers must be completed within four months of account opening and incur a 5% fee (min $5) of the amount transferred. After the promotion expires, the interest rate reverts to a variable APR ranging from 18.24% to 28.99%, depending on your creditworthiness. The card does not charge an annual fee.

Balance transfers have 21 months of no interest

Purchases during the first 12 months are not charged interest

No annual fee

Penalty APR of up to 29.99% with a late or returned payment

Does not offer a welcome bonus or earn rewards

3% foreign transaction fee

Read the full Citi Diamond Preferred Credit Card review

Best Student Credit Card : Bank of America® Travel Rewards for Students

25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel purchases.

The Bank of America Travel Rewards for Students is our pick for the best student credit card because of the high earning rate on its rewards program that you can then redeem for all sorts of travel expenses.

It also has a long introductory APR on purchases and no annual fee, which add to the card's strong rating. Plus, the lack of foreign transaction fees makes this an ideal card for student travel outside the U.S. The Bank of America Travel Rewards for Students card also offers excellent credit education and monitoring services.

Unlimited 1.5x rewards on all purchases

Pay off purchases for 15 billing cycles with no interest

Friendly to foreign travel

Rewards aren't transferable

Relatively high spending required ($1,000 in the first 90 days of account opening) for 25,000-point introductory one-time bonus

Read the full Bank of America Travel Rewards for Students review.

Best Business Credit Card : Ink Business Preferred℠ Credit Card

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.

The Ink Business Preferred Credit Card is the best card for business owners because of its earning power. You'll earn 3 points per dollar on the first $150,000 you spend each year in combined purchases of travel, shipping, online advertising, and internet, cable, and phone services. New cardholders can earn 100,000 bonus points after spending $8,000 within three months. That's worth $1,000 in cash back or $1,250 in travel booked through Chase Ultimate Rewards.

Points earned with this card can be transferred to airline and hotel partners, redeemed for cash and gift cards, or used to book travel with a 25% bonus through the Chase travel portal. Employee cards are available at no extra cost, and complimentary tools allow you to stay on top of your business. These tools include fraud protection, purchase protection, personalized account alerts, and more.

Potentially huge bonus

Flexible rewards program

High rewards on select business expenses

Low base rewards rate

Not a lot of business-related benefits

Read the full Ink Business Preferred Credit Card review.

Best Groceries Credit Card : Blue Cash Preferred® Card from American Express

Earn $250 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.

See rates and fees

• Why We Chose This Card

Grocery shopping is more rewarding with the Blue Cash Preferred® Card from American Express. You can earn a full 6% back at U.S. supermarkets (on up to $6,000 per year in purchases), 6% back on select U.S. streaming subscriptions, 3% back on eligible transit and U.S. gas stations, and 1% back on all other purchases. Plus, you'll earn a $250 statement credit after spending $3,000 within six months.

New cardholders can also use the 0% APR introductory offer on purchases for 12 months. There is a $95 annual fee, but it is waived the first year. So, you can enjoy the cash back features of this card during that period to experience its benefits before paying an annual fee in year two.

Ability to earn 6% cash back on groceries, streaming services and gas station purchases

0% APR promotion on purchases for 12 months

6% grocery cash back is limited to $6,000 in purchases per year

High penalty APR for late and returned payments

Foreign transaction fee of 2.7%

Read the full Blue Cash Preferred® Card from American Express review.

Best Online Shopping Credit Card : Capital One® SavorOne® Cash Rewards Credit Card

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

The Capital One® SavorOne® Cash Rewards credit card is an excellent choice for shopping online, including groceries (excluding superstores like Walmart® and Target®) and take out food as well as for charging online entertainment streaming services like Netflix, HBO, Disney+, and Hulu. Specifically, it earns a full 3% cash back on dining, entertainment, popular streaming services, and on grocery store purchases, plus 1% on all other spending. So, you can earn extra cash back rewards whether you're shopping online, out with friends, or enjoying a quiet night at home.

New cardmembers receive a $200 cash bonus after spending $500 within three months. Plus, there is no annual fee, so all of the cash back that you earn is yours to keep. Travelers will love that there are no foreign transaction fees, so there are no surprises when making international purchases.

Ability to earn 3% cash back for dining, entertainment, and streaming service purchases

0% APR purchase promo for 15 months

No foreign transaction fees

Welcome bonus is on the smaller side

Bonus cash back excludes Walmart and Target

Read the full Capital One SavorOne Cash Rewards Cash Credit Card review.

Best Secured Credit Card : Capital One Platinum Secured

The Capital One Platinum Secured Card is Investopedia's choice for best secured card due to its lack of an annual fee and its security deposit flexibility, allowing customers to make installment deposits over time rather than all upfront. Capital One also provides automatic credit line increases over time with responsible card use and offers an array of non-secured card options that customers can consider once they have built up their credit scores. No annual fee makes the Capital One Platinum Secured Card an affordable on-ramp to establishing a positive credit history.

Credit limits can be larger than the required security deposit

Security deposit can be paid in installments

Requires a bank account

Relatively low initial credit limits

No bonus offers or rewards program

Read the full Capital One Platinum Secured review.

Credit cards have a wide range of fees, interest rates, benefits, promotions, welcome offers, and more. Because each credit card is different, finding the right one depends on your budget, how much you spend and where, and what benefits are important to you. While some people avoid paying annual fees, many are willing to do so if the benefits far exceed what they pay each year.

The Capital One Quicksilver Cash Rewards is our top choice for the best credit card because it offers an unlimited 1.5% cash back on every purchase. It has no annual fee, no foreign transaction fees, and a $200 welcome bonus that is earned after spending just $500 within three months.

Compare the Best Credit Cards

What is the best credit card.

The best credit card for you depends on your goals, budget, and spending habits. As your financial picture evolves, the best credit card for you may also change. While credit card rewards can be valuable, if you’re focused on paying off debt, they may not be the best choice for you at this time. A card that offers a 0% APR promotion for balance transfers may be the better option until you can pay off your debt.

However, the most appealing credit card may not be the best one you can actually get right now. People with low credit scores may be able to qualify only for cards that carry higher interest rates and fewer rewards. Those consumers should focus on building their credit until they are eligible for the credit card they desire.

People with excellent credit generally have their choice of travel and other rewards credit cards. Credit cards aimed at those with the best credit scores typically provide the most attractive benefits. These can include lucrative one-time bonuses, significant ongoing rewards on your spending, and additional benefits like elite status, free checked bags, yearly free hotel nights, and airport lounge access.

What Credit Card Is Best for Me?

Finding the best credit card entails both self-assessment and research. You must document your creditworthiness and spending habits and reflect on how you may use the card, whether that's to build credit, temporarily borrow, or simply employ it as a purchasing convenience and a way to earn rewards.

New to Credit: If you are new to credit or have impaired credit, a secured credit card can be a great option. This type of card requires a security deposit but has the advantage that activity with the card is reported to all three credit bureaus, which helps the cardholder build credit over time. Many secured cards offer an option to graduate to a non-secured card after a period of on-time payments.

Carrying a Balance: Those who are carrying a card balance should consider shifting the debt to a balance transfer card with much lower interest, or even no interest rate at all for a period. These cards provide relief in the form of an extended period of a 0% APR on the transfer, which allows you to pay down the balance more easily. While some balance transfer cards offer rewards as well, it’s best not to add to your balance on the card (or, preferably, any other card) until you have paid off the amount you’ve transferred.

If you frequently carry a credit card balance, avoid cards with high fees and interest regardless of attractive rewards and one-time bonuses. Your priority should be paying down your debt and avoiding accumulating more, not trying to earn rewards.

No Balance: People who tend to pay off their card balance each month should consider getting a rewards card that offers cash back or points rewards. These cards allow you to leverage your everyday spending to earn hundreds of dollars worth of rewards, usually with no annual fee.

Frequent Travelers: For those who travel, a general travel card or one issued in partnership with airlines or hotels can make the most sense. These allow you to leverage spending on travel and in other categories to earn rewards that can be used to obtain further travel.

Entrepreneurs and Small-business Owners: These users can choose among a host of business credit cards designed for their needs. These cards may reward business spending in certain categories, like shipping, or with specific business-related merchants, such as office supply stores.

College Students: People in school generally don’t have a credit history, but they do represent a good long-term customer for card issuers. Cards designed for students can provide online resources to instruct new cardmembers on the responsible use of credit and other tips to guide personal finances.

What Credit Scores Are Required?

The higher your credit score, the more credit cards you potentially have available to you, and the better those cards will tend to be in terms of interest rates, credit lines, and rewards programs. To understand your card choices, it’s important to know the broad range into which your credit score fits. Card issuers classify scores as “Excellent/Exceptional” (800+), “Very Good” (740-799), “Good” (670-739), “Fair” (580-669), or “Poor” (below 580). It’s best to only apply for cards that best match the credit recommended by the issuer to reduce the chances of being declined.

If you don’t know your current credit score, it’s available in a number of ways, and at no cost . There are two main credit score types, FICO and VantageScore, both of which have their own distinct scoring algorithms and score ranges that are used by various lenders.

Credit card issuers also assess other factors beyond credit score in evaluating creditworthiness, including employment status, income, and other credit and deposit accounts you own.

Is It Possible to Qualify for a Credit Card With Bad Credit?

There are credit cards designed for those whose credit is fair, poor, and even very poor or bad. In particular, a secured credit card allows those with bad credit or no credit history to build or rebuild their score. Until they’ve completed that process, they must retain the use of the card through a security deposit that usually serves as the maximum credit line for the account.

What Types of Rewards Do Credit Cards Offer?

Credit card rewards come in a variety of forms, allowing cardholders to earn cash back, points, or miles for each dollar of spending. The earnings rates for rewards often vary by purchase type, with higher rewards available for certain categories of purchases.

Cash back rewards are the most straightforward type and usually rebate a percentage of spending in the form of a check or statement credit. Rewards based on points or miles offer greater flexibility in how they are redeemed, whether as travel, gift cards, merchandise, or more.

Some travel credit cards offer rewards for travel in general, which can be redeemed for purchases with any airline of hotel; other travel cards are co-branded with specific airlines or hotels, in which case they offer partner-specific points or miles. Co-branded cards provide less flexibility in redeeming rewards but potentially more value, provided you’re comfortable favoring a particular brand of airline or hotel chain.

What Are Common Credit Card Benefits?

While issuers may prominently tout certain features of their cards, other benefits tend to be buried in cards’ fine print—including some you might not realize the card even offers.

Here’s a quick list of benefits that are commonly offered with a range of card types:

Common Rewards Card Benefits

• $0 fraud liability
• Primary or secondary auto-rental collision damage waiver coverage
• Roadside assistance hotline
• Price match
• Purchase coverage if items are stolen or damaged
• Extended warranties
• Refunds in cases of merchant dispute

Common Travel Rewards Card Benefits

• Trip cancellation/interruption/delay coverage
• Travel accident insurance
• Lost/delayed luggage coverage

Premium Card Benefits

• Airport lounge access
• TSA PreCheck/Global Entry fee reimbursement every four years
• Cell phone insurance coverage
• Concierge service

We constantly monitor credit card offers from card-issuer websites and publicly available sources to find the best credit cards for our readers. Each credit card is evaluated based on its fees, rewards, welcome bonuses, introductory offers, features, and benefits so that we can determine a winner for each category. Card issuers update their cards on a regular basis, and when that happens, we update our card listings, reviews, and recommendations so our readers have the most reliable information and advice. You can also read the  full version of our methodology  for a more in-depth look at how we assess cards and award them the best in various categories.

Meet Our Credit Cards Expert

Ben Woolsey is Investopedia's Associate Editorial Director for financial products. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content and earned media for CreditCards.com and Bankrate.com.

Alice Morgan/Investopedia

Chase Sapphire Reserve: " Travel Credit Card Rewards & Benefits "

Chase Credit Cards: " United Explorer Rewards & Benefits "

Chase Credit Cards: " World of Hyatt Rewards & Benefits "

Citicards: " Citi Diamond Preferred Offer Details "

Chase Credit Cards: " Chase Ink Business Preferred Rewards & Benefits "

American Express: " Blue Cash Preferred Offer Details "

Capital One: " SavorOne Rewards From Capital One "

• Terms of Service
• Editorial Policy
• Privacy Policy
• Your Privacy Choices

• Capital One SavorOne Cash Rewards Credit Card
• Capital One Quicksilver Cash Rewards Credit Card
• Capital One Venture Rewards Credit Card
• Capital One Venture X Rewards Credit Card
• Capital One Savor Rewards
• Capital One Quicksilver Secured Cash Rewards Credit Card
• Capital One Platinum Secured
• Capital One Quicksilver Student Card
• Capital One SavorOne Student Card
• Why You Should Trust Us

Best Capital One Credit Cards of April 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Capital One Savor Cash Rewards Credit Card†. The details for these products have not been reviewed or provided by the issuer.

Introduction to Capital One Credit Cards

Capital One issues many of the best credit cards on the market right now, from options that can help you build your credit to a premium card that earns valuable travel rewards.

The Capital One Venture Rewards Credit Card is especially popular thanks to its robust marketing budget and television commercials — but it's not necessarily the right Capital One card for you. The best option is the one that fits your spending style and your goals, which we'll review in this comprehensive guide.

Here are the best Capital One credit cards available right now. 

Compare the Top Capital One Credit Cards

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.

0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)

19.99% - 29.99% Variable

Earn $200 cash back

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Bonus cash back on dining, entertainment, and grocery store purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long intro APR period for purchases and balance transfers
• con icon Two crossed lines that form an 'X'. Other cards earn more cash back in certain bonus categories
• con icon Two crossed lines that form an 'X'. Not the highest sign-up bonus among cash-back cards

The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.

• Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
• Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
• No foreign transaction fee
• No annual fee

Earn unlimited 1.5% cash back on purchases.

Earn a one-time $200 cash bonus

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.5% cash back on every purchase
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro APR on purchases and balance transfers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee and no foreign transaction fees
• con icon Two crossed lines that form an 'X'. Other cards earn more cash back

If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.

• Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase, every day
• $0 annual fee and no foreign transaction fees
• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
• No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.

19.99% - 29.99% variable

Earn 75,000 miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes up to a $100 statement credit for Global Entry or TSA PreCheck
• con icon Two crossed lines that form an 'X'. Other credit cards offer higher rewards in certain categories of spending

If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.

Earn 75,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections
• con icon Two crossed lines that form an 'X'. High annual fee
• con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Earn 1-4% cash back on purchases.

20.24% - 28.24% Variable

Earn a $300 cash bonus

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High cash-back rate for dining and entertainment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fees
• con icon Two crossed lines that form an 'X'. Many other cash-back cards don't charge an annual fee (but at least this one's waived for the first year)

The Capital One Savor Cash Rewards Credit Card is worth considering because of its high earning on dining, entertainment, streaming, and grocery stores — and because it earns cash back, you can redeem your rewards for whatever you'd like.

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn 1.5% cash back on every purchase with a refundable $200 minimum deposit.

30.74% Variable

Limited, No History

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.5% cash back on all purchases with no limits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can get approved for this card with limited credit
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Ability to increase credit line and potential to improve credit score with responsible use
• con icon Two crossed lines that form an 'X'. No welcome bonus
• con icon Two crossed lines that form an 'X'. Because it’s a secured credit card, you’ll have to put down a security deposit for your initial credit line
• con icon Two crossed lines that form an 'X'. High APR if you carry a balance

The Capital One Quicksilver Secured Cash Rewards Credit Card is a great choice if you're new to credit cards and working on building your credit history and score. It's a rare secured credit card that offers decent rewards, but you'll have to put down a deposit after you're approved to secure your credit line.

• No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
• Put down a refundable $200 security deposit to get a $200 initial credit line
• Building your credit? Using a card like this responsibly could help
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• Monitor your credit score with CreditWise from Capital One. It's free for everyone

No annual or hidden fees. Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.

Limited, Bad

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Minimum deposit ($49) is lower than with some other secured cards
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can be automatically considered for a higher credit line in as little as 6 months with no additional deposit
• con icon Two crossed lines that form an 'X'. No rewards

The Capital One Platinum Secured Credit Card is a good choice for folks who are new to credit or rebuilding their credit score. Because it's a secured credit card, you'll have to put down a security deposit — but its minimum deposit is lower than that of many similar cards.

• No annual or hidden fees. See if you're approved in seconds
• Building your credit? Using the Capital One Platinum Secured card responsibly could help
• Put down a refundable security deposit starting at $49 to get a $200 initial credit line
• Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

Earn unlimited 1.5% cash back on all purchases.

Earn a $50 cash bonus

Average, Fair, Limited

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good welcome bonus with an easy spending requirement
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Solid cash back earning on all purchases with no bonus categories to track
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee or foreign transaction fees
• con icon Two crossed lines that form an 'X'. Only available to college students

The Capital One Quicksilver Student Cash Rewards Credit Card is a good choice for students who prefer a cash-back credit card but don't want to keep track of multiple bonus categories.

• Early Spend Bonus: Earn $50 when you spend $100 in the first three months
• 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
• Build your credit with responsible card use
• Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 8% cash back on Capital One Entertainment purchases. Earn 1% cash back on all other purchases.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong 3% cash back earning in popular everyday spending categories for students like dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart® and Target®)

The Capital One SavorOne Student Cash Rewards Credit Card is a great pick for students who spend a lot on food and going out, because it earns 3% cash back on dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment.

• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
• Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• Capital One SavorOne Cash Rewards Credit Card : Best for dining and entertainment with no annual fee ( rates and fees )
• Capital One Quicksilver Cash Rewards Credit Card : Best for flat-rate cash back
• Capital One Venture Rewards Credit Card : Best for travel rewards
• Capital One Venture X Rewards Credit Card : Best intro bonus and upscale travel perks
• Capital One Savor Cash Rewards Credit Card† : Best for dining and entertainment
• Capital One Quicksilver Secured Cash Rewards Credit Card : Best for earning cash back while building credit
• Capital One Platinum Secured Credit Card : Best for building credit with a lower security deposit
• Capital One Quicksilver Student Cash Rewards Credit Card : Best student card with flat-rate cash back
• Capital One SavorOne Student Cash Rewards Credit Card : Best student card for dining and entertainment

Capital One Credit Card Reviews

Best for dining and entertainment with no annual fee: capital one savorone rewards.

The Capital One SavorOne Cash Rewards Credit Card lets you rack up exceptional rewards on dining, entertainment, streaming, and grocery purchases. This card also comes without an annual fee, which is a net positive if you want to keep your costs down.

If you have a large purchase you want to pay off over time, you'll be happy to know this card extends a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.99% - 29.99% Variable ( rates and fees ). This card also comes with no foreign transaction fees.

Read our Capital One SavorOne card review to learn more.

Best for Flat-Rate Cash Back: Capital One Quicksilver

The Capital One Quicksilver Cash Rewards Credit Card is for you if you want to earn cash back without paying an annual fee. Its welcome bonus is also relatively generous and easy to earn.

On the redemption side of the equation, you can redeem your rewards for cash back at any time and in any amount. You can also cash in your points for gift cards. The Capital One Quicksilver Cash Rewards Credit Card also comes with a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR ( rates and fees ). 

Read our Capital One Quicksilver Cash Rewards credit card review to learn more.

Best for Travel Rewards: Capital One Venture Card

The Capital One Venture Rewards Credit Card earns rewards you can redeem for any type of travel at a rate of 1 cent per mile. You can also transfer miles to Capital One's airline and hotel partners, including Accor, Air Canada Aeroplan , Emirates, British Airways, Virgin Red, and Wyndham. 

The transfer ratio for most partners is now 1:1, except for EVA Infinity MileageLands (2:1.5 ratio) and Accor Live Limitless (2:1 ratio).

Capital One miles are one of many credit card transferable points currencies — along with Amex Membership Rewards , Chase Ultimate Rewards® , and Citi ThankYou Rewards . Capital One miles are valued at 1.7 cents apiece, on average, according to Business Insider valuations. 

This card has no foreign transaction fees ( rates and fees ), and offers a credit toward the Global Entry or TSA PreCheck membership fee. If you travel frequently, be sure to read our comparison of the Capital One Venture and Venture X — the Capital One Venture X Rewards Credit Card could actually be a better fit despite its higher annual fee.

Read our Capital One Venture Card review for more info.

Best Intro Bonus and Upscale Travel Perks: Capital One Venture X

The Capital One Venture X Rewards Credit Card has been making waves since its launch. Along with a massive welcome bonus which is worth $1,275 in travel based on Business Insider's valuations, the card comes packed with upscale benefits that can more than offset the $395 annual fee ( rates and fees ).

Capital One's first premium card has an annual fee lower than similar cards and a range of valuable travel perks. It's become a real competitor to cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express .

Cardholders receive $300 a year in credits toward travel booked through the Capital One travel portal ; airport lounge access through Priority Pass, Plaza Premium, and Capital One (even for authorized users); a 10,000-mile bonus on each account anniversary (worth $100 in travel); and Visa Infinite travel and purchase benefits.

As with other cards that earn Capital One miles, rewards from the Venture X can be used to book award travel with more than a dozen airline and hotel Capital One transfer partners . Capital One also has its own luxury hotel booking program, the Capital One Premier Collection , for Venture X cardholders. It offers perks like room upgrades and on-property credits at hundreds of hotels and resorts around the world. 

Read our Capital One Venture X Rewards Credit Card review to learn more.

Best for Dining and Entertainment: Capital One Savor Rewards

The Capital One Savor card is an enticing option thanks to its initial bonus and ongoing rewards, and that's especially true if you spend a lot on dining, entertainment, and streaming each year. Earning 3% back is excellent even if your primary expense is grocery shopping (except at superstores like Walmart and Target).

You can redeem your rewards for cash back in any amount, and this card doesn't charge foreign transaction fees on purchases made outside the U.S.

Read our Capital One Savor Card review for more details.

Best for Earning Cash Back While Building Credit: Capital One Quicksilver Secured

The Capital One Quicksilver Secured Cash Rewards Credit Card is ideal if you're working on building your credit but still want to earn rewards. Although there's no welcome offer, cardholders earn 1.5% cash back on all purchases, with no bonus categories to keep track of.

Because it's a secured credit card , you'll have to put down a security deposit equal to the initial credit line you'll be given. You can get started with a deposit as low as $200, and with responsible use over time, you could have the opportunity to upgrade to an unsecured Quicksilver card and get your deposit back.

Read our Capital One Quicksilver Secured card review for more info. 

Best for Building Credit With a Lower Security Deposit: Capital One Platinum Secured

If you're trying to improve your credit score after some financial mishaps, the Capital One Platinum Secured Credit Card is an ideal option — it's relatively easy to get approved for since you put down a security deposit when you open your card.

As a new cardholder, you'll put down a security deposit ($49, $99, or $200), which is refundable and determines your initial credit line. After you make payments on time for six months, you can get access to a higher credit line.

Here's our Capital One Platinum Secured credit card review with all the details.

Best Student Card With Flat-Rate Cash Back: Capital One Quicksilver Student Card

The Capital One Quicksilver Student Cash Rewards Credit Card is geared toward students who want to earn rewards while building up their credit over time. This card gives you a flat 1.5% back on all purchases with no limits, which isn't the best cash-back rate on a no-annual-fee card ( rates and fees ). But since this is one of the best credit cards for students with no credit, it's available to a broader selection of consumers who need help getting started.

The Capital One Quicksilver Student Cash Rewards Credit Card doesn't charge an annual fee, and there are no foreign transaction fees, either. It also offers solid benefits for a no-annual-fee student credit card, including price protection***, extended warranty***, car rental coverage***, roadside dispatch***, and complimentary concierge services.

Read our  Capital One Quicksilver Student Cash Rewards credit card review .

Best Student Card for Dining and Entertainment: Capital One SavorOne Student Card

If you're in college and spend a lot on dining out, groceries, entertainment, and streaming, the Capital One SavorOne Student Cash Rewards Credit Card is one of the most rewarding card options out there. Along with a welcome offer of a $50 cash bonus once you spend $100 on purchases within three months of account opening, the card offers 3% cash back in student-friendly categories, with no limits to what you can earn.

Dining and groceries (excluding superstores like Walmart and Target) are straightforward categories, and Capital One has a broad definition of entertainment — including movies, professional sporting events, amusement parks, record stores, and bowling alleys. Eligible streaming services include popular platforms like Netflix, Hulu, and Disney+.

Like the Capital One Quicksilver Student Cash Rewards Credit Card, the Capital One SavorOne Student Cash Rewards Credit Card comes with surprisingly good perks for a student credit card, such as car rental coverage***, roadside dispatch***, price protection***, extended warranty***, and access to a concierge service. 

Read our Capital One SavorOne Cash Rewards Student credit card review to learn more.

Capital One Credit Card Frequently Asked Questions

The Capital One Venture X Rewards Credit Card is one of the issuer's newest — and fanciest

Capital One is one of the few issuers that tells you exactly what credit score you'll need for each of its cards. For example, the premium Capital One Venture X Rewards Credit Card is appropriate for those with an excellent credit score , defined as follows: You've never declared bankruptcy or defaulted on a loan, been more than 60 days late on any credit card, medical bill, or loan in the last year, and have had a loan or credit card for three years or more with a credit limit above $5,000.

Not all Capital One cardholders have excellent credit. If your credit is fair or average, you could still qualify for cards like the Capital One Quicksilver Student Cash Rewards Credit Card.

Capital One cards are good for their excellent customer service and solid perks, and you'll never pay foreign transaction fees which can save you money if you're traveling overseas. You've also got a wide variety of card options — whether you're just getting started with credit or are looking for an upscale card that earns generous travel rewards, there's likely a Capital One card that is a good fit.

If you're a beginner, Capital One credit cards are a great option. You can choose from a strong selection of fair credit , bad credit (such as secured credit cards ), and student credit cards for folks just starting out, building credit, or rebuilding credit . There's a great range of rewards rates, bonuses, intro APR rates, and perks to choose from.

Yes, you can have more than one Capital One card. However, Capital One doesn't publish any firm rules about the total number of cards you can have open at once — it depends on your credit profile, income, and other factors. 

Why You Should Trust Us: How We Chose the Best Capital One Credit Cards

We looked at all of the Capital One credit cards currently available to new applicants and considered several factors:

• Ease of use — Does the card have a rewards program (cash back or miles) and if so, is it easy to navigate?
• Earning potential — Are there bonus categories or strong flat-rate earning with the card, and are they appealing to a broad range of customers?
• Annual fee — Many Capital One credit cards have no annual fee, but for those that do charge one, are there additional perks or features that make it worth it?
• Cards for various types of consumers — We picked cards that appeal to different types of consumers, including travel aficionados, foodies, students, folks building credit, and small-business owners.

For more information, check out Business Insider's guide to how we rate and review credit cards . 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

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

• Main content

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.

Know your odds before you apply

• Enter your information
• We’ll run a soft credit pull, which won’t impact your credit score
• You’ll see your estimated approval odds near cards to help you narrow down your options

Your personal information and data are protected with 256-bit encryption.

Tell us your name to get started

We’ll use this information to to verify your credit profile.

What’s your mailing address?

What's your employment status?

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. Increase non-taxable income or benefits included by 25%.

Put $0 if you currently don't have a rent or mortgage payment.

Last four digits of your Social Security number

We’ll use the last four digits of your Social Security number to get your approval odds. This won’t impact your credit score.

What’s your email address?

Your email address unlocks your approval odds. Don’t worry, we won’t spam your inbox.

By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms ) and Privacy Policy . These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer.

Calculating your approval odds

Oops something went wrong..

We’re sorry, but something went wrong and we couldn’t find your approval odds. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site.

Journey Student Rewards from Capital One Credit Card 2024 Review

As a college student, you can build good credit while you also get a little money back on your spending.

The Journey Student Rewards from Capital One credit card is designed for young adults who have average credit and want to earn a little cash back.

This card offers cash back rewards , along with some useful tools that can help you obtain a good credit rating over time.

You have an opportunity to increase your credit line with responsible card use and track your credit score each month for free.

It has no annual fee , which is good for budget-conscious students. There’s also no foreign transaction fee , which is a plus if you’re planning to study abroad.

Capital One Journey Student Rewards Card Pros & Cons

• Earn 1% cash back on all spending
• Credit line increase in as little as 6 months
• No foreign transaction fees
• No annual fee
• High regular APR

Simple, Convenient Cash Rewards

If you’re a broke college student, you know that a penny saved is a penny earned. The makes it fairly easy to add to your savings as you spend.

This card offers a flat 1% cash back rewards rate on every purchase. That means you get 1% back whether you’re booking a flight home, buying textbooks or picking up the tab for pizza with friends.

There’s no cap on cash back earnings . The more you spend, the more you get back.

For example, if you charge $500 a month to the card, that’s $60 a year in cash back you’ll earn. Double that to $1,000 a month in purchases and you bump your cash back up to $120 per year.

Get a cash back boost when you pay on time

Paying your credit card bill on time is a must if you want to grow your credit score. Thirty-five percent of your FICO credit score is based on payment history. (Your FICO score is the one that most lenders use for approval decisions.)

FICO Credit Score Factors and Their Percentages

Paying on or before the due date each month can help your score and it can put even more money back in your pocket. When you pay on time, Capital One increases your cash back rewards rate to 1.25% .

That means if you charge $500 every month and pay on time, you’ll earn $75 a year in cash back instead of $60. That’s a nice incentive to keep track of your due dates each month.

Tip: If you’re worried about your credit taking a hit because of a late payment, set up automatic payments so you’ll never have to worry.

Redeeming cash back rewards

Redeeming cash back with this card is just as easy as earning it.

You can apply your cash back rewards as a statement credit, reducing what you owe. Or, you can ask for a check to be mailed to you. That way, you can use your cash back rewards any way you like.

To make the process virtually hassle-free, Capital One allows you to schedule automatic redemptions.

For example, you can request a statement credit or check once you hit a certain amount of cash back or at a specific time each year.

Access Your Credit Score and Other Financial Tools for Free

The Journey Student credit card is meant for students who have decent credit and want to take their score to the next level. The card comes with several tools that students should find useful.

For example, CreditWise is included with your account. CreditWise is Capital One’s free credit tracking service .

Each month, you’ll be able to see your TransUnion credit score , which is based on the information in your TransUnion credit file.

This tool also breaks down how certain factors affect your credit score. For example, you’ll be able to see:

• What percentage of your payments are being made on time
• The age of your oldest credit account
• What percentage of your total credit limit you’re using
• How many recent inquiries you’ve had for new credit
• The number of new accounts opened in the last two years
• How much available credit you have

CreditWise includes a simulator tool that you can use to see how taking certain actions would raise or lower your score.

For example, paying your bills on time and paying down your debt would generally work in your favor. Taking on a new loan or maxing out one of your credit cards, on the other hand, could drag your score down.

Increase your credit line when you pay on time

Paying on time can step up your cash back rewards rate and it can help you in another way.

If you make your first six monthly payments on time, you could be eligible for a higher credit line. This is good for two reasons.

First, a higher credit line means more spending power. If you need to cover a large purchase, like an overseas trip, you may not have to resort to loans or borrowing from your payments to pay for it.

The other advantage is linked to your credit score . Thirty percent of your FICO score is based on your credit utilization. This is the amount of debt you’re carrying compared to your overall available credit line.

When you have a higher credit limit but you’re keeping your utilization low, that reflects positively on your score.

If you’re not sure how much of your credit is safe to use, aim to keep your utilization at 30% or less to avoid putting your score at risk.

Tip: Set up an account alert to notify you when your balance hits a certain amount so you know how much of your credit limit you’re using.

Learning Center to Upgrade Your Money Skills

Figuring out how to manage debt and credit in your 20s can be tough. Capital One offers some helpful resources to get you started. The Financial Education Center features tips on things such as:

• Using credit responsibly
• Understanding your credit score
• Saving money
• Creating a budget
• Managing your bank account
• Preparing to buy a home

The more you know about using credit, saving your extra pennies and keeping debt in check, the better.

Enjoy MasterCard Benefits

The Journey Student Rewards from Capital One is a MasterCard. That means you get some sweet extras just for being a member.

For example, the card comes with:

• 24-hour travel assistance services
• Travel accident insurance
• Auto rental collision damage waiver
• Extended warranty protection

Those features can come in handy if you’re traveling or you want some extra peace of mind about the things you buy.

Watch Out for the Regular APR

One thing to keep in mind with this card is the annual percentage rate . The regular variable APR for purchases and balance transfers is on the high side .

Even though there’s no annual fee, this card could cost you big bucks in interest if you’re carrying a balance from month to month. The interest you’re paying could outweigh the value of the cash back you’re earning.

What Else Does Capital One Have to Offer?

This card is appealing for building credit but there are some other Capital One cards that can help you achieve that same goal.

Take a look at how the following three cards compare:

Capital One Platinum Credit Card

The is another option for people with average credit who want to improve credit. This card isn’t limited only to students.

One key difference between this card and the Journey Student Rewards from Capital One is the lack of a rewards program . You won’t get any cash back or points with this one.

If your primary focus is improving your credit, that may not be a huge drawback. You won’t pay an annual fee for this one either.

Read Capital One Platinum Credit Card Editor's Review

Capital One Platinum Secured Credit Card

Getting a credit card when you have no credit at all is challenging. The is an alternative for students who are credit newbies.

With this secured card, you put up a cash deposit to open an account.

The minimum deposit is $49, $99 or $200 , based on creditworthiness. The initial credit line is $200 but you can add more cash to the card to increase that the credit line.

Again, there are no rewards with this card. It’s designed to be a tool for building or rebuilding credit. If you’re able to raise your score, you could switch over to a Capital One rewards card in the future.

Capital One QuicksilverOne Cash Rewards Credit Card

The  offers unlimited 1.5% cash back on every purchase.

The card has a $39 annual fee .

Students who don’t mind the fee may get a bit more mileage out of this card in terms of the cash back.

Your best bet with this one is to pay your balance in full each month to avoid the interest charges.

Read QuicksilverOne from Capital One Editor's Review

For Students to Earn Simple Cash Back and Build Credit

The pairs cash back with the potential to achieve a higher credit score.

This card may not be the best for students who have no credit at all or prefer points or miles to cash rewards.

Ultimately, the card is ideal for students with established credit who want to earn simple cash back with no annual fee.

You might also like

Advertiser Disclosure:

We believe by providing tools and education we can help people optimize their finances to regain control of their future. While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. The content that we create is free and independently-sourced, devoid of any paid-for promotion.

This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

MyBankTracker generates revenue through our relationships with our partners and affiliates. We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. We are not contractually obligated in any way to offer positive or recommendatory reviews of their services. View our list of partners.

MyBankTracker has partnered with CardRatings for our coverage of credit card products. MyBankTracker and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Capital One Main Navigation

• Corporate Information
• Our Commitments
• Insights Center

Streaming Benefit Added for New Journey Cardholders

Capital one continues supporting students in building financial independence.

October 21, 2020

MCLEAN, Va. (October 21, 2020) – Capital One is meeting the changing needs of college students by adding new benefits to the Journey Student Credit Card and providing tools to help students build financial independence. 

Introducing Journey’s New Benefits

New Journey cardholders can now earn up to $60 in streaming service subscription credit in addition to the unlimited 1% cash back on every purchase. The new streaming service credit will enable new account holders that pay on time to earn $5 per month for 12 months toward more than 25 eligible media streaming subscription services.

“Our world has changed dramatically over the past few months and has had a tremendous impact on the daily lives of students,” said Pawel Swiatek, Managing Vice President, US Card, at Capital One. “While we have long supported students through college access programs, introducing the streaming service credit and a new contactless feature that allows for ‘tap-to-pay’ on our Journey Student Card are additional ways that Capital One is evolving our products to meet the current needs of students."

Survey: Students Need Help Navigating Road to Personal, Professional and Financial Well-being

While the global pandemic is forcing most Americans to adapt to a new way of life, Capital One found students uniquely affected, personally, professionally and financially. 

According to a newly released Capital One College Student Survey: 

• Two out of three college student respondents (66%) say they feel unprepared to be financially independent without the help of their parents. 
• Seventy-four percent (74%) of college students are worried the pandemic will impact their personal growth and preparation for life on their own. 
• Seventy-three percent (73%) of student respondents are worried it will impact career prospects for years to come.

Beyond the Card: Capital One Provides Continued Support for Students

In the best of times, accessing higher education is a complicated process. Consistent with our focus on supporting students, Capital One launched First-Gen Focus , a program to help first-generation students gain greater confidence in their financial well-being, career readiness, and personal wellness. Meanwhile, the recently issued Capital One Foundation Common App Grant , provides low-income and first-generation students with free, real-time guidance to students during the college enrollment process, as well as access to one-on-one coaching through the College Advising Corps. Students can also benefit from visiting Learn & Grow , a content hub with helpful tips and resources, including information on building credit in college . 

Creating a Simple, Easy First Cardholder Experience for Students

In addition to the $60 streaming subscription credit and the unlimited 1% cash back on all purchases, Journey cardholders also receive the following benefits: 

• Tap-to-pay (contactless) card feature, enabling less time spent at checkout, with a fresh new card design;
• Easily lock your card if it is lost or stolen;
• Cardholders can boost to 1.25% cash back per month (when paying on time);
• No annual or foreign transaction fees ;
• Flexible payment due dates;
• Eno : Your Capital One assistant, helps you stay in control of your account by notifying you when it catches things like duplicate or suspicious charges;
• CreditWise : Track your progress and plan ahead by getting alerts when there are meaningful changes to your TransUnion and Experian credit report, and explore the potential impact of your financial decisions before you make them with CreditWise.

Learn more about the Journey Student Credit Card from Capital One  here and Capital One’s commitment to students and community here .

About the Capital One College Student Survey 

This poll was conducted between July 21 and July 27, 2020 among a national sample of 1000 College Students (Age 18-23), 250 Parents of children (Age 18-23), 250 Parents of Students (Age 18-23) and 500 Educators / Administrators in secondary and higher education. Of the 1000 College Students (Age 18-23), 272 respondents identified as First Generation. The interviews were conducted online and the data were weighted to approximate a target sample of College Students (Age 18-23), Parents of children (Age 18-23), Parents of College Students (Age 18-23) and Educators based on age, gender, educational attainment, race, and region. Results from the full survey have a margin of error of plus or minus 3 percentage points. Results from the First Generation subsample have a margin or error of plus or minus 6 percentage points.

About Capital One Capital One Financial Corporation ( www.capitalone.com ) is a financial holding company whose subsidiaries, which include Capital One, N.A., and Capital One Bank (USA), N.A., had $304.2 billion in deposits and $421.3 billion in total assets as of June 30, 2020. Headquartered in McLean, Virginia, Capital One offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. Capital One, N.A. has branches located primarily in New York, Louisiana, Texas, Maryland, Virginia, New Jersey and the District of Columbia. A Fortune 500 company, Capital One trades on the New York Stock Exchange under the symbol "COF" and is included in the S&P 100 index.

Visit the Capital One newsroom for more Capital One news .

Capital One Quicksilver Student Cash Rewards Credit Card vs. Journey Student Rewards from Capital One

Advertiser disclosure.

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

• Share this article on Facebook Facebook
• Share this article on Twitter Twitter
• Share this article on LinkedIn Linkedin
• Share this article via email Email

At Bankrate, we take the accuracy of our content seriously.

“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced.

Their reviews hold us accountable for publishing high-quality and trustworthy content.

• • Rewards credit cards
• • Credit card comparisons

• • Travel and rewards points

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:

• Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
• Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
• Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.

At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.

Editorial integrity

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

As more student credit cards enter the starter credit card space, you might be wondering which one is right for you. Most major issuers have respectable student credit card offers, all with varying rewards rates, welcome offers and other benefits.

In this comparison guide, we’ll look at two student credit cards from Capital One — the Capital One Quicksilver Student Cash Rewards Credit Card and the Journey Student Rewards from Capital One.

Main details

Quicksilver student cash rewards vs. journey student rewards highlights, rewards rate winner: quicksilver student cash rewards.

The Quicksilver Student Cash Rewards offers a flat 1.5 percent cash back on all purchases and there’s no limit to how much cash back you can earn. Plus, this card is eligible for 5 percent cash back on hotels and rental cars booked through Capital One Travel.

In comparison, the Journey Student Rewards offers just 1 percent cash back on all purchases. That rate is then boosted to 1.25 percent back for the month if you pay your bill on time. If your goal is to earn as much cash back as possible, then the Quicksilver Student Cash Rewards would be the better option of the two.

Welcome bonus winner: Quicksilver Student Cash Rewards

The Quicksilver Student Cash Rewards currently offers a welcome bonus of $50 when you spend $100 within the first three months of card membership. This offer is among the better welcome offers available with student credit cards, and it would be easy to meet — you’d only have to spend about $34 per month to earn the bonus.

The Journey Student Rewards, on the other hand does not offer a welcome bonus.

Although the Journey Student Rewards’ welcome bonus requirements are easier to meet — you only need to pay your monthly credit card bills on time — the Quicksilver Student Cash Rewards offers an easy-to-attain, higher welcome bonus of $50, making it the clear winner in this category.

Annual fee winner: Tie

Neither card has an annual fee, meaning you won’t have to pay for card membership each year. It’s easy to find a student credit card without an annual fee, so make sure that any card you’re seriously considering doesn’t have one.

Foreign transaction fee winner: Tie

Both the Quicksilver Student Cash Rewards and Journey Student Rewards include no foreign transaction fees . This means either card would be a good option for studying or traveling abroad since you won’t have to pay a fee (usually around 3 percent) for each transaction you make outside of the country.

Which card earns the most?

The following is a pretty straightforward spending example since we’re comparing the Quicksilver Student Cash Rewards’ 1.5 percent cash back to the Journey Student Rewards’ 1 percent cash back. In addition to that, we’ll also throw in the Journey Student Rewards’ bonus cash back rate of 1.25 percent to see how much you can earn as an on-time payer.

Quicksilver Student Cash Rewards vs. Journey Student Rewards spending example

Say you spend $125 on groceries, $50 on dining, $30 on entertainment and $40 on miscellaneous expenses each month, for a total of $245. Of the three earning rates for the two cards, you could earn the following cash back on your purchases each month:

For this spending example, we used modest spending amounts to estimate the potential rewards earnings since students likely won’t have high credit limits or spending budgets. But you can see that the Quicksilver Student Cash Rewards wins out on cash back every time.

The Quicksilver Student Cash Rewards even beats out the Journey Student Rewards in terms of the welcome bonus.  That’s an extra money in your pocket that you can use however you want — for streaming services, takeout, shopping or whatever.

Why should you get the Quicksilver Student Cash Rewards?

You should get this card if you want a straightforward way to earn a respectable cash back rate and a solid welcome bonus. Plus, the card includes multiple ways to redeem rewards and no foreign transaction fees, making it a good pick if you’re planning to travel or study abroad . It also comes with access to Capital One Travel and 5 percent cash back on hotels and rental cars booked through the Capital One Travel portal.

Additional benefits

The Quicksilver Student Cash Rewards comes with a number of card benefits like price protection, extended warranty protection, complimentary concierge services, rental car insurance, roadside assistance, travel accident insurance, emergency travel assistance, $0 fraud liability, virtual card numbers from Eno and credit monitoring through CreditWise, among others.

Also, you can automatically be considered for a higher credit limit in as little as six months, which is a much shorter time period than competing student cards. If you use your card responsibly — which means paying your bill on time and keeping your balance in check — then Capital One could reward you with an increased credit limit .

Redemption options

Quicksilver Student Cash Rewards cardholders can redeem their cash back rewards for statement credits, checks, checkout at PayPal, shopping on Amazon and gift cards from merchants like Starbucks, Ulta Beauty, Panera Bread, Whole Foods and others.

Recommended credit score

Since this is a student credit card, your approval odds are likely better if your credit profile is, at minimum, in the fair to good credit range (a FICO score of 580 to 740).

Why should you get the Journey Student Rewards?

If you’re a new cardholder looking to build your credit and practice good financial habits — and you’re not interested in the welcome bonuses or higher rewards rates that come with other student cards — then the Journey Student Rewards could be a good fit for you.

The Journey Student Rewards doesn’t have as many card benefits as the Quicksilver Student Cash Rewards. The main benefits this card offers include access to the Capital One Travel portal, $0 fraud liability, virtual card numbers from Eno, credit monitoring through CreditWise and emergency card replacement. Plus, like the Quicksilver Student Cash Rewards, you’ll be automatically considered for a higher credit limit after six months.

The redemption methods for this card are the same as the Quicksilver Student Cash Rewards. You can redeem your cash back in the form of statement credits, checks, gift cards or shopping at Amazon or via PayPal.

The Journey Student Rewards requires a fair to good credit score (a FICO score of 580 to 740).

The bottom line

Building credit can be a long, drawn-out process, but starting early can make a huge difference. As a student, there are plenty of credit-building student cards available that’ll also offer you perks like welcome bonuses and cash back on all of your purchases.

In this case, there are pros and cons for both the Capital One Quicksilver Student Cash Rewards and the Journey Student Rewards from Capital One . However, even if you only plan to hang onto a student card for a year or two, the Quicksilver Student Cash Rewards beats out the Journey Student Rewards in terms of its higher rewards rate, welcome bonus and additional benefits.

Is the Capital One Quicksilver Student Cash Rewards Card worth it?

Capital One Quicksilver Student Cash Rewards Credit Card review: Streamlined cash back for students

Journey Student Rewards from Capital One credit card review

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.

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.

• Credit Cards
• All Credit Cards
• Find the Credit Card for You
• Best Credit Cards
• Best Rewards Credit Cards
• Best Travel Credit Cards
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Best Cash Back Credit Cards
• Best Credit Card Sign-Up Bonuses
• Best Credit Cards to Build Credit
• Best Credit Cards for Online Shopping
• Find the Best Personal Loan for You
• Best Personal Loans
• Best Debt Consolidation Loans
• Best Loans to Refinance Credit Card Debt
• Best Loans with Fast Funding
• Best Small Personal Loans
• Best Large Personal Loans
• Best Personal Loans to Apply Online
• Best Student Loan Refinance
• Best Car Loans
• All Banking
• Find the Savings Account for You
• Best High Yield Savings Accounts
• Best Big Bank Savings Accounts
• Best Big Bank Checking Accounts
• Best No Fee Checking Accounts
• No Overdraft Fee Checking Accounts
• Best Checking Account Bonuses
• Best Money Market Accounts
• Best Credit Unions
• All Mortgages
• Best Mortgages
• Best Mortgages for Small Down Payment
• Best Mortgages for No Down Payment
• Best Mortgages for Average Credit Score
• Best Mortgages No Origination Fee
• Adjustable Rate Mortgages
• Affording a Mortgage
• All Insurance
• Best Life Insurance
• Best Life Insurance for Seniors
• Best Homeowners Insurance
• Best Renters Insurance
• Best Car Insurance
• Best Pet Insurance
• Best Boat Insurance
• Best Motorcycle Insurance
• Travel Insurance
• Event Ticket Insurance
• Small Business
• All Small Business
• Best Small Business Savings Accounts
• Best Small Business Checking Accounts
• Best Credit Cards for Small Business
• Best Small Business Loans
• Best Tax Software for Small Business
• Personal Finance
• All Personal Finance
• Best Budgeting Apps
• Best Expense Tracker Apps
• Best Money Transfer Apps
• Best Resale Apps and Sites
• Buy Now Pay Later (BNPL) Apps
• Best Debt Relief
• Credit Monitoring
• All Credit Monitoring
• Best Credit Monitoring Services
• Best Identity Theft Protection
• How to Boost Your Credit Score
• Best Credit Repair Companies
• Filing For Free
• Best Tax Software
• Best Tax Software for Small Businesses
• Tax Refunds
• Tax Brackets
• Taxes By State
• Tax Payment Plans
• Help for Low Credit Scores
• All Help for Low Credit Scores
• Best Credit Cards for Bad Credit
• Best Personal Loans for Bad Credit
• Best Debt Consolidation Loans for Bad Credit
• Personal Loans if You Don't Have Credit
• Best Credit Cards for Building Credit
• Personal Loans for 580 Credit Score Lower
• Personal Loans for 670 Credit Score or Lower
• Best Mortgages for Bad Credit
• Best Hardship Loans
• All Investing
• Best IRA Accounts
• Best Roth IRA Accounts
• Best Investing Apps
• Best Free Stock Trading Platforms
• Best Robo-Advisors
• Index Funds
• Mutual Funds
• Home & Kitchen
• Gift Guides
• Deals & Sales
• Best of Wellness Awards 2024
• Sign up for the CNBC Select Newsletter
• Subscribe to CNBC PRO
• Privacy Policy
• Your Privacy Choices
• Terms Of Service
• CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

New Capital One Journey Student Credit Card users can receive a $60 streaming subscription credit

New capital one journey student credit card users can receive a $60 streaming subscription credit ($5 per month for 12 months). here's how to qualify..

This offer is no longer available. The Journey Student Rewards from Capital One is no longer available to new applicants.

More and more student credit cards offer rewards programs, but they don't usually come with a lot of other fancy perks. But that's about to change for one card: New cardholders signing up for the Journey Student Rewards from Capital One can now earn up to $60 in statement credits for eligible streaming service subscriptions.

This streaming credit allows new account holders who pay their credit card bill on time to earn $5 per month for up to 12 months. If you pay for a subscription on an annual basis, the charge is not eligible for the credit.

Eligible streaming subscription services currently include:

• Amazon Music Unlimited
• AT&T Now
• CBS All Access
• iHeartRadio
• Kindle Unlimited
• NBA League Pass
• Prime Video
• SiriusXM Streaming and Satellite
• YouTube Music Premium
• YouTube Premium
• Google Play Music

While this offer is only open to new card members, all Journey Student Rewards cardholders can benefit from 1% cash back on all eligible purchases, which is bumped up to 1.25% when you pay your bill on time each month. There is also no annual fee.

Capital One is also beginning to issue contactless cards for Journey, so you can tap-to-pay at eligible merchants. (Learn more about how contactless cards work .)

Don't miss:

• Best credit cards for streaming services
• Do you have to be a student to get a student card?
• 5 budgeting tips for college students that can help set you up for financial success

• How can I get homeowners insurance after nonrenewal? Liz Knueven
• How a CLUE report affects your insurance rates Ryley Amond
• What to do if your homeowners insurance claim is denied Liz Knueven

Other credit cards to consider in place of the Journey Student Rewards from Capital One

Building credit with the capital one journey student rewards card, alternative cards, our methodology.

Why You Can Trust CNET Money

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

Journey Student Rewards from Capital One: Students Can Build Credit at Home or Abroad

College students can use this credit card to build credit and earn cash back.

Jaclyn DeJohn

Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.

The Journey Student Rewards from Capital One has been discontinued. Here are some similar credit card options for students.

Discover it® Student Cash Back

Capital One SavorOne Student Cash Rewards Credit Card

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

The Journey Student Rewards from Capital One* is designed for students looking to build credit with responsible use while earning cash back on purchases.

Though it doesn’t offer the best rewards of any  student credit card , the Journey Student card has a few compelling benefits. With  no foreign transaction fees , it’s a good choice for students studying abroad. It also makes a good  first credit card , with extra cash back incentives for making on time payments. That noted, this card has a particularly high APR at 29.99% variable, so you’ll want to make sure you pay off the balance in full every month.

Otherwise, there’s not much else that’s noteworthy about this card: no  introductory APR , no  welcome bonus , no travel perks. But it’s a decent stepping stone for  improving credit  and setting the stage for a  credit card with better rewards  and perks.

The model is simple and straightforward: Earn 1% on all purchases with the Capital One Journey Student Rewards Card -- with no limit. There are no bonus categories, unlike with most rewards credit cards, which means less to manage and track.

There is, however, a secondary reward: When you make your monthly payment on time, you’ll earn an additional 0.25%, for a total of up to 1.25% cash back. Though other student cards offer higher cash back rates, we appreciate the incentive for students getting started with building credit. Ontime payments are a major component of a credit score.

This card is designed to help students build credit. As such, there are some best practices for cardholders to bear in mind. As with any credit card, using 30% or less of your  credit limit  will have the best impact on your credit score. Known as a “credit utilization ratio,” this ratio makes up  a major part of your credit score. 

That noted, if you find that your monthly spending is regularly exceeding the 30% guideline, you could proactively reach out to Capital One to discuss a credit limit increase.

Otherwise, after six months, Capital One will automatically review your account. If you have been making your payments on time and keeping your balance in check, you may automatically earn a higher credit limit. 

By making your payments on time and keeping your balance relatively low, you should be able to increase your credit score over time.

Though we appreciate the simplicity of the Journey Student Rewards card, you can earn more cash back with student credit cards that offer more complicated rewards programs.

The Discover it® Student Cash Back* is the best way to earn the most cash back for most students. You earn the standard 1% on all purchases, and 5% on everyday purchases at select rotating locations each quarter when you activate, on up to $1,500 of spending each quarter, then 1%. Select locations have included grocery stores, gas stations, restaurants, Target, Walmart, Amazon and more. Just as significant is the Unlimited Cashback Match™ welcome bonus, which essentially doubles your cash back earned at the end of your first year.

To learn more about the rotating category and other perks, see our full review of the  Discover it Student Cash Back  card. 

The Capital One SavorOne Student Cash Rewards Credit Card* offers the same 1% on all of your purchases, but with a handful of important bonus categories.

You’ll earn 3% cash back on dining at restaurants, grocery stores (excluding superstores like Target and Walmart) and for entertainment. Entertainment includes movie theaters, sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. There’s also  no annual fee .

What’s more is you’ll get a pretty solid welcome bonus as far as student credit cards go. If you spend $100 in the first three months of opening your account, you’ll earn a $50 cash bonus.

Capital One Journey Student Card lists their acceptable credit history as “fair” -- which would be a credit score between 580 and 669. However, it is not unusual for a student to get approved for a student credit card despite not having previous credit accounts.

Once you graduate, you are eligible to upgrade to a non-student credit card. These cards often offer better rewards and perks. You’ll likely need to provide your income and housing payment information to your credit card issuer first.

Capital One considers anyone currently enrolled at an accredited university, community college or other higher education institution to be a student. You may also be admitted and planning to enroll in the next 3 months.

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card.

* All information about the Discover it Student Cash Back, Journey Student Rewards from Capital One and Capital One SavorOne Student Cash Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money .

This Capital One credit card is a great option for anyone looking to build credit

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money .

Update:   One or more card offers in this post are no longer available.  Check our  Hot Deals  for the latest offers.

Whether you’re a beginner in the world of credit, looking to repair your credit score , or are new to the U.S., here’s a credit card just for you.

The Journey Student Rewards from Capital One (no longer available) is for those with average credit. It’s an infinitely better option than using a debit card, like some tend to do when their credit is less than perfect, because it will help you to qualify for better cards later!

However, if you already have good credit, this is not the card for you. I’ll give you a quick review of this card, and help you decide if it’s for you.

Capital One Journey Student Credit Card review

Current bonus.

This card doesn’t currently offer a welcome bonus.

Benefits and perks

The first credit card many people open is a starter card from Capital One. My wife was one of those people. The card wasn’t anywhere close to the best available, but it helped her to build her credit for better cards! She later upgraded it to a Capital One Venture Rewards Credit Card.

Similarly, the Capital One Journey Student card is for anyone with average, fair, or limited credit. You do not have to be a student to open this card.

According to Capital One, a fair credit score is anywhere between 580 and 669. If your credit score is equal to or greater than this, you should be eligible for this card.

Here’s what you’ll get with the Capital One Journey Student card:

• 1% cash back on all purchases
• Extra 0.25% cash back for paying bills on time
• No foreign transaction fees
• No annual fee

It’s interesting to note that this card will give you 25% more earnings for paying your bills on time. That’s a nice feature, and a decent incentive to be responsible with the card.

I also really like that this card waives foreign transaction fees. That’s probably why the card is branded with the word “journey” — because you can take it abroad. This is a great card for students who take international trips. Waived foreign transaction fees used to be a rare feature for a card with no annual fee, but it’s becoming more common, which is great news.

If you don’t have a no-annual-fee credit card , you should. They’re critical to maintaining a fantastic credit score when you’re opening as many cards as we in the miles and points hobby do!

Who is this card for?

Any miles and points enthusiast will tell you this is not the optimal card for getting free travel. There are plenty of no-annual-fee cards which earn more rewards — and most of them come with a generous welcome bonus!

However, if you’re still establishing credit, this is an excellent card for you. It’s easier   to be approved for, and it’s a good card to help you build your credit. As long as you use your credit card responsibly by paying your bills on time and in full, your credit score will increase, and you’ll qualify for the best travel credit cards in no time.

However, if you already have a good credit score and are just beginning your miles & points journey , this isn’t a good card for you. There are other much more valuable credit cards with big welcome bonuses, improved travel benefits, and higher returns for spending. If your credit score is 700+, applying for this card first can decrease your chances of being approved for those other cards later .

Note: Capital One pulls your credit score from all three main credit bureaus, giving you three hard inquiries on your report. Hard inquiries cause your credit score to temporarily dip, and too many hard inquiries can make it harder to be approved for future credit cards and other loans.

Bottom line

The Capital One Journey Student card is marketed towards students, but it’s for many more folks, too! If you need a card to strengthen your credit, this could be a great option for you. It’s for anyone with average credit, so it’s relatively easy to be approved for. Plus, it will help you qualify for better travel cards down the road.

Again, do NOT apply for this card if you already have above average credit. Opening this card might prevent you from opening up certain credit cards that are much more rewarding.

Let me know if you’ve got experience with the Capital One Journey Student! And subscribe to our newsletter for more posts like this delivered to your inbox once per day.

Million Mile Secrets

Contributor

Million Mile Secrets features a team of points and miles experts who have traveled to over 80 countries and have used 60+ credit cards responsibly to accumulate loyalty points and travel the world on the cheap! The Million Mile Secrets team has been featured on The Points Guy, TIME, Yahoo Finance and many other leading points & miles media outlets.

More Topics

Capital One,

Credit Cards

Join the Discussion!

Comments are closed.

You May Also Like

Establish credit history and boost your credit score with the no annual fee Capital One Platinum

June 21, 2021 0

Best travel credit cards of June 2021

June 16, 2021 0

Our Favorite Partner Cards

Popular posts.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Capital One Journey Student Card Adds Streaming Credit for New Cardholders

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

» This offer has expired

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

New cardholders approved for the Journey Student Rewards from Capital One will soon be able to earn a statement credit on qualifying streaming services for their study-session playlists.

Starting Oct. 21, 2020, the card will offer:

A $60 credit for new cardholders: After the first on-time payment, you'll will receive a $5 statement credit each month for one year when you use the card to pay for qualifying music and video streaming services like Netflix, Hulu, Disney+ and Spotify. Exclusions and terms apply. The statement credits must be earned within the first 18 months of opening the account.

Contactless card payments and a new design: The Journey Student Rewards from Capital One is also undergoing a design change, from ruby red to dark blue. The new design will feature the contactless payment option , which can offer a safer, no-touch way to pay at the register. New cardholders will get this updated version upon applying. Existing cardholders will get the new version once their current card approaches its expiration date.

In addition to the streaming service credit, the card earns 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, a decent rate for a student credit card .

In recent months, Capital One has made temporary changes to other cards in its portfolio to accommodate shifts in spending habits amid the pandemic. And the Journey Student Rewards from Capital One is the latest Capital One card to go contactless .

On a similar note...

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Shop for Car Insurance

Other Insurance Products

Types of mortgages

Calculators

Find & Compare Credit Cards

Cards with Rewards

Cards for a Purpose

Cards for Building Credit

Credit Card Reviews

Understanding Credit & Score

Student Loans

Paying for College

Personal Finance for College Students

Life Events

• Journey Student Rewards from Capital One
• Capital One SavorOne Student Cash Rewards Credit Card

When you get either the Journey Student Rewards from Capital One card or the Capital One SavorOne Student Cash Rewards Credit Card, you can start or continue your credit building journey. These two student rewards cards from Capital One have unique benefits and perks to offer.

Updated: March 19, 2024

Advertising & Editorial Disclosure

On This Page:

• Comparison Overview

Comparison Summary

Which card should you get.

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies .

MoneyGeek helps you compare the difference between the Journey Student Rewards from Capital One and Capital One SavorOne Student Cash Rewards Credit Card by analyzing the associated fees, benefits, and reward programs. For example, these two cards have no annual fees or foreign transaction fees. They charge the same APR rate of 26.99%. Capital One SavorOne Student Cash Rewards Credit Card earns 3% cash back on popular spending categories, and 1% cash back on all other purchases. Journey Student Rewards from Capital One, on the other hand, has a straightforward but lower cash back rate of 1%, up to 1.25% on all purchases if statements are paid on time.

• Journey Student Rewards from Capital One at a Glance
• Capital One SavorOne Student Cash Rewards Credit Card at a Glance

Comparison Overview: Journey Student Rewards from Capital One vs. Capital One SavorOne Student Cash Rewards Credit Card

• Journey Student Rewards from Capital One Capital One SavorOne Student Cash Rewards Credit Card
• Has Annual Fee
• Has Balance Transfer Offer
• Has APR Offer
• Hotel Benefits
• Airline Benefits
• Has Foreign Transaction Fee
• Recommended Credit Limited–Fair Limited–Fair

Journey Student Rewards from Capital One At a Glance

The Journey Student Rewards from Capital One card helps you establish a strong credit history especially when you’re just starting out. It provides a flat-rate reward earning opportunity of 1% on all purchases. It also encourages responsible credit card use by boosting your earning potential to 1.25% when you pay your bills on time. You don’t have to be a student to apply for this card which can be beneficial to credit card holders who can’t qualify for the card of their choice at the moment. Since it reports to all three major credit card bureaus, you can ask for a credit limit increase or apply for a better card in as soon as six months.

Best student credit card with up to 1.25% cash back

• up to 1.25% Cash Back Rewards Rate
• 29.99% Variable APR
• $0 Annual Fee
• Limited–Fair Recommended Credit

What are the pros and cons?

• Earn 1% cash back on all your purchases, with a jump to 1.25% cash back when you pay your bills on time.
• There is no annual fee or foreign transaction fee.
• After six months, Capital One will reexamine your credit profile to see if you are eligible for a higher credit line. This can give students more purchasing power and flexibility without opening another card.
• High APR on purchases
• Lack of robust benefits

Card Details

• Cardholders receive 1% cash back on all purchases.
• Pay your bill on time and receive a 0.25% cash back bonus on top of that.
• $0 fraud liability policy provides peace of mind.
• There are no foreign transaction fees, which is great for travelers.
• You have unlimited access to CreditWise from Capital One so you can check in on your credit profile at any time.
• There’s no cosigner required, although one may be helpful.
• When making purchases online, you can generate virtual card numbers so that your actual card number is kept private.

Disclaimer : We work hard to stay updated with the latest information, but card offers are always changing, and in some cases, the offer listed on our site may no longer be available.

Terms, rates and fees apply

Compare this credit card with other top-rated student credit cards.

Capital One SavorOne Student Cash Rewards Credit Card At a Glance

The Capital One SavorOne Cash Rewards Credit Card, a student credit card version of the SavorOne Rewards , is exclusively for college students currently enrolled or planning to enroll in a university in the next three months. Just like the Journey Student Rewards from Capital One, it offers cash back opportunities and charges no annual fee. It can earn unlimited 3% cash back rewards when you use the card on spending categories like dining, entertainment, grocery and streaming services. Outside of these categories, the cashback earning rate is 1%. Of course, you can still keep using this student credit card even after you graduate .

Great no-annual-fee student card with generous cash back rewards

• 1% to 8% cash back Rewards Rate
• 19.99% to 29.99% Variable APR
• No annual fee
• With welcome bonus
• Diverse bonus categories
• No rewards limit
• Includes security protections
• Potentially high APR
• Bonus cash back doesn’t extend to superstores

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases Early Spend Bonus: Earn $50 when you spend $100 in the first three months Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 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 Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal Build your credit with responsible card use Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

Compare this credit card with other top-rated cards from our partners.

To help you choose between the Capital One Journey Student card or Capital One SavorOne Student Cash Rewards Credit Card, MoneyGeek breaks them down based on their current offers.

Between the Journey Student Rewards and the SavorOne Rewards cards, you should be able to determine which kind of benefits and perks you need from a credit card. One card is not necessarily better than the other as it’s up to you to find a credit card that works best for you . And if you aren’t up-to-speed on how credit cards work , it may be best to do some research before applying.

Who Should Consider the Journey Student Rewards from Capital One ?

The Journey Student Rewards from Capital One is a great credit card option to consider for those who are just learning about credit cards or are working their way to qualify for a consumer credit card. It may also be great for anyone who falls in any one of these categories:

For people who are just learning about credit cards , the Journey Student Rewards from Capital One propels you to the right direction in terms of developing solid financial habits by incentivizing on-time payments.

For cardmembers who use streaming services like Netflix, Hulu and Amazon Prime, they could benefit from the card’s welcome offer by charging on the card what they already pay for anyway.

For cardholders who want to monitor their credit score to eventually apply for higher credit limit or better reward credit cards, Capital One’s Creditwise can be a really useful tool.

≫ More: Read Our Full Review

Who should consider the capital one savorone student cash rewards credit card .

Capital One SavorOne Cash Rewards Credit Card offers a higher cash back for much more specific spending categories. However, it is only limited to students.

Students who frequently spend on dining, entertainment, streaming and grocery can benefit from SavorOne Rewards’ higher cash back rate.

Students may also find SavorOne Rewards as a more ideal card to use long term than the Journey Student, due to its high cash back rate.

Students who frequently attend concerts, football games, and other premium events can score an even higher cashback rate of 8% when they purchase tickets through Vivid Seats using their SavorOne credit card.

The clear winner of these two is the Capital One SavorOne Student Cash Rewards Credit Card because of the 3% spending categories. However, if you find value in saving $5 per month on streaming services, the Journey Students Rewards card may be a better fit. But keep in mind this offer is only good for the first 12 months, so after that, the better card will likely be the SaverOne Rewards card.

Other Helpful Decision-Making FAQs

MoneyGeek answers the most common questions that may help you decide whether you should get Capital One’s Journey Student Rewards or SavorOne Rewards for Students.

Is the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card?

It always depends on the cardholder’s needs and qualifications. Remember that even though SavorOne Rewards has a much higher cashback rate, it is only available to students. The Journey Student Rewards can be a great option for those getting their first credit card , those with fair credit scores or those wanting to establish their credit history.

Can you get the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card?

Can you transfer points from journey student rewards from capital one savorone student cash rewards credit card.

Neither of these cards earn points. As you earn cash back on each card, each will have their own individual cashback accounts you can redeem from.

Can you switch from the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card?

Capital does not limit users from sticking to the same card. They even notify cardmembers if they qualify for a product change. If you want to switch, you may send a request over the phone or online. Note that requests are subject to approval.

What’s harder to get, the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card?

You may be able to apply for a Capital Journey Student Rewards more easily than a Capital One SavorOne Cash Rewards Credit Card. The former qualifies anyone with fair credit history, while the latter is only limited to students.

How much do you have to spend for the Journey Student Rewards from Capital One SavorOne Student Cash Rewards Credit Card to get the welcome bonus?

Neither card offers a welcome bonus. However, the Journey Student Rewards from Capital One offers a $5 monthly credit for streaming services for the first 12 months of card membership.

Still Not Sure About These Cards? Consider These Options

Looking for a different or a specific perks and benefits not in these cards? You can check out our list of the best student credit cards or best rewards credit cards . If you think the variable APR is high for a student credit card, you may want to research if you can qualify for a low-interest rate credit card .

Learn more about credit cards in general

Best Business Credit Cards

Business vs. Corporate Credit Cards

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

• Capital One . " Journey Student Credit Card ." Accessed January 6, 2022 .
• Capital One . " Journey Card Benefits ." Accessed January 6, 2022 .
• Capital One . " SavorOne Student Cash Rewards Credit Card ." Accessed January 6, 2022 .

Glarity - YouTube Video Summary with ChatGPT (AD-Free)

Show summary of chatgpt in youtube, youtube videos transcript and summary with chatgpt openai. easily copy responses of chatgpt. generate key moments of youtube videos, inquiring about the content of the video..

Key Features

**youtube video summarization**.

· Glarity excels at summarizing YouTube video highlights.

· Easily get a concise overview of the video's key points.

**YouTube Video Transcript Generation**

· Generate YouTube video transcripts instantly.

· Copy video subtitles with a single click.

**YouTube Video Navigate to Key Moments**

· Effortlessly jump to the most relevant parts of a YouTube video.

· Find and access the content you care about quickly.

**Interactive YouTube Video Q&A**

· Seamlessly interact with video content.

· Get answers to your questions and explore video details efficiently.

**Customizable YouTube Video Summarization**

· Tailor video summaries to your specific needs.

· Extract the content that matters most to you.