Capital One Journey Students Rewards full review

Earn rewards in a clear and straightforward way.

Learn more about the Capital One Journey Students Rewards

Founded by Richard Fairbank in 1988, Capital One began as a monoline credit card company. Today we have grown into a Fortune 500 full-service commercial and retail bank with operations in the United States, Canada, and the United Kingdom.

Capital One services an $84B+ loan portfolio and more than 5,700 clients.1 Through strategic industry and product specialization and a tech-first investment to build smart, flexible financial tools, we offer a full suite of financial products and services.

With the X-Card you will also be rewarded for paying on time. There are other benefits associated with this card, so read on to find out about them.

Keep reading to learn more details about the Journey Students Rewards Credit Card. However, if you want to know how to apply for it, tap on the green button.

How Capital One Journey Students Rewards Card works

You will earn 1% cash back on all spending, plus another 0.25% back for any month when you pay on time, so you maximize your rewards while establishing good credit practices.

You will earn 5% cash back on hotels and rental cars booked through Capital One Travel using this Rewards card account, and 1% cash back on all other purchases.

Earnings will apply to net purchases (purchases minus any credits or returns) only. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

All purchases made outside of Capital One Travel such as hotel incidentals, upgrades, or other expenses, will not earn the enhanced earn rate but will receive the standard 1% cash back earning rate.

Capital One Journey Students Rewards Card users can either request cash back rewards as a statement credit applied to their bill or as a check. They can also set up an automatic redemption preference; options include: (1) at a set time each calendar year or (2) when a specific threshold has been reached. They can also redeem for credits for previous purchases, gift cards, and more (rates for these redemption options may vary and are subject to change without notice).  

With a zero percent annual fee, it is ideal for students, and considering also the 0% fee for transactions abroad, it is an ideal match for students who like to travel.

You don’t have to be a student to be able to apply for your Journey Students Rewards Credit Card though, important to say.

Are there any penalty fees on this card? Yes. There’s a late payment penalty fee up to $40.

Cardholder benefits

So let’s talk about the additional benefits of the Capital One Journey Students Rewards Card.


  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account..
  • If your card is lost or stolen, you will not be responsible for unauthorized charges.
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself.
  • Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.
  • Receive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase.
  • Get alerts when your TransUnion® or Experian® credit report changes.

Account management

  • Set up personalized email or text reminders to help you stay on top of your account.
  • Set up Autopay for your account and your payments will be made automatically every month.
  • 24/7 access to a list of merchants that charge your Capital One card monthly, like subscriptions and bills.
  • Add an authorized user to your account, and track spending by user.
  • Transfer your higher-rate balances onto a Capital One card.
  • Helpful customer service representatives are available to assist you 24 hours a day. Contact Capital One Customer Service here.

App & Digital Services

  • Manage your account anywhere, anytime. Pay your bill, view your balance and transactions.
  • Wherever you are, Eno keeps an eye on your accounts 24/7, sends alerts when something’s up, and is always ready to answer questions—so you can keep moving.
  • Monitor your credit with CreditWise. It’s free for everyone—whether or not you have a Capital One credit card—and it won’t hurt your score.

Travel & Retail

  • You won’t pay a transaction fee when making a purchase outside of the United States.
  • Get our best prices on thousands of trip options—even after you book. Plus, pay flexibly with your rewards, a card or both.
  • If your credit card is lost or stolen, you can get an emergency replacement card.
  • Receive help finding the nearest ATM when traveling.

Are there any drawbacks to this card?

The Journey Students Rewards Card has 28.49% variable APR, which can be considered more expensive than the average APR on the market.

Would you like to know how to apply for the Capital One Journey Students Rewards Card?

If you are interested in the opportunity to earn 1% cash back on all your purchases, and perhaps boost your cash back to a total of 1.25% for that month by paying on time, then tap on the green button to find out more about the Capital One Journey Students Rewards Card!

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