If you are a student looking for a card that will help you build and strengthen your credit while earning rewards for doing so, then Journey Student will be an excellent choice.
Journey Student
Cash Back No Annual FeeJourney Student offers an excellent array of benefits and perks that will help you build credit while earning rewards. With it, you can manage your finances with ease, while earning cash rewards and enjoying other benefits in the process.
Other card details
Capital One’s Journey Student stands out for encouraging responsible use of credit. You will earn an extra 0.25% cash back on top of the regular 1% for each month you make your payment on time. All purchases are eligible for 1% cashback.
You will be able to redeem your rewards for a statement credit or a check easily and flexibly, being able to set limits for rewards redemptions.
Learn more about Capital One Journey Student Credit Card
This credit card also has no nasty surprises, as the fees it has, such as cash advance and late payment fees, are within industry standards.
Also, it offers CreditWise, which lets you track the progress of your credit score as you make or fail to make payments. After six months of current payments, you will automatically be considered for a credit line increase. Capital One also lets you set email and text alerts to ensure you don’t miss your deadline.
Other Benefits of the Card
- Capital One Travel: Get the best prices on thousands of travel options, even after you book. Plus, pay flexibly with your rewards.
- Credit Limit Increase: Capital One will automatically review your profile every six months and if you qualify, you will be considered for a higher line of credit.
- Contactless payments: Make your payments faster, easier, and more secure by holding or tapping your card on a contactless-enabled reader.
- Security card lock: If your card is lost or stolen, you can easily lock or unlock it with just a few taps.
- Capital One’s Eno Assistant: Account monitoring, alerts in case of suspicious transactions such as potential fraud, duplicate charges, or overly generous tips. It also helps you manage and control your money by answering questions and notifying you about your information with instant 24/7 responses. In addition to several other useful functions.
Is this card for you?
Capital One Journey Student is an excellent credit card for people who are just starting to build their credit and want to earn cash back on their purchases. Thanks to its 0% overseas transaction fee, cardholders planning to study or travel abroad will also benefit from this card.
If you are the type of student who manages your bills well and pays on time, Journey Student will offer incentives for doing so, increasing your cash rewards from 1% to 1.25%.
Finally, if you want to establish a strong credit history and plan to apply for a higher line of credit or a better card with many more benefits, Journey Student will be a great choice to get started with.
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