Capital One Journey Students Rewards full review
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Discover the Capital One Journey Students Rewards Card
Founded by Richard Fairbank in 1988, Capital One originally focused solely on credit cards. Since then, it has grown into a Fortune 500 bank with a comprehensive range of financial services available in the United States, Canada, and the United Kingdom.
With a loan portfolio exceeding $84 billion and a client base of over 5,700,1 Capital One is committed to offering customized financial solutions. By combining industry expertise with innovative technology, we provide a full suite of financial products and services.
In addition to the benefits associated with the X-Card, the Journey Students Rewards Card provides rewards for timely payments. Read on to learn more about this card and its features.
If you’re interested in applying for the Capital One Journey Students Rewards Card, simply click the green button to get started.
How the Capital One Journey Students Rewards Card Works
With the Journey Students Rewards Card, you’ll earn 1% cash back on all purchases, and an additional 0.25% back for each month you pay on time. This allows you to maximize your rewards while establishing good credit habits.
In addition, you’ll earn 5% cash back on hotel and rental car bookings made through Capital One Travel, and 1% cash back on all other purchases.
Earnings apply to net purchases, excluding cash advances, balance transfers, and checks used to access your account. While hotel incidentals, upgrades, and other expenses won’t earn the enhanced earn rate, they’ll still qualify for the standard 1% cash back.
Cardholders can redeem their cash back rewards as statement credits applied to their bill or as checks. They also have the option to set up automatic redemptions based on a specific timeframe or threshold. Other redemption options, such as credits for previous purchases and gift cards, may also be available.
With no annual fee and no foreign transaction fees, the Journey Students Rewards Card is ideal for students, especially those who love to travel.
It’s important to note that you don’t have to be a student to apply for the Journey Students Rewards Card.
Are there any penalty fees associated with this card? Yes, there is a late payment penalty fee of up to $40.
Cardholder Benefits
Now, let’s explore the additional benefits offered by the Capital One Journey Students Rewards Card.
Protection
- Receive notifications via text, email, and phone if any potential suspicious transactions are detected.
- If your card is lost or stolen, you won’t be held responsible for unauthorized charges.
- Use virtual card numbers for online purchases to protect your actual card number.
- If your card is misplaced, lost, or stolen, you can lock it in the Capital One Mobile app.
- Get alerts for potential mistakes or unexpected charges, such as duplicate purchases or sudden bill increases.
- Receive alerts when there are changes to your TransUnion® or Experian® credit report.
Account Management
- Set up personalized email or text reminders to help you stay on top of your account.
- Enroll in Autopay to ensure your payments are made automatically each month.
- Access a list of merchants that charge your Capital One card monthly, such as subscriptions and bills.
- Add an authorized user to your account and track individual spending.
- Transfer balances from higher-rate cards to your Capital One card.
- 24/7 customer service representatives are available to assist you at any time.
App & Digital Services
- Manage your account anywhere, anytime through the Capital One Mobile app. View your balance, transactions, and make payments.
- Eno, the intelligent assistant, keeps a close eye on your accounts and sends alerts when needed.
- Monitor your credit with CreditWise, a free service available to everyone, regardless of whether you have a Capital One credit card.
Travel & Retail
- Avoid transaction fees when making purchases outside of the United States.
- Benefit from competitive prices on thousands of travel options, even after booking. Use your rewards, credit card, or a combination of both to pay flexibly.
- If your credit card is lost or stolen while traveling, you can request an emergency replacement card.
- Find the nearest ATM while traveling with ease.
Are There Any Drawbacks to this Card?
The Journey Students Rewards Card has a variable APR of 28.49%, which is higher than the average APR in the market.
Ready to Apply for the Capital One Journey Students Rewards Card?
If you want to earn 1% cash back on all your purchases, and potentially boost your cash back to 1.25% for the month by paying on time, click the green button to learn more about the Capital One Journey Students Rewards Card!
