Learn how to apply for the Capital One Journey Students Rewards Card

I want the Capital One Journey Students Rewards Card, what should I do?

With the Capital One Journey Students Rewards Card, cardholders earn 1% cash back on all purchases. If you make monthly payments on time, your cashback rewards are boosted to 1.25% for that month.

Your rewards are yours for the life of the account—they will not expire. But if your account is closed, you will lose any rewards you have not redeemed. There is no cap on the amount of rewards you can earn on purchases.

Another nice feature of this card is the possibility to increase your limit in just five months of use, that is, you’ll have to keep up with your payments to get a higher credit line.

You can also earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card.

Whether you are a student or not, this card is for those looking for rewards when shopping. Do you like to travel? Go travel without worries. Capital One Journey Students Rewards Card won’t charge a transaction fee when making purchases outside of the United States.

Travel without worry. During your trip, you can count on emergency card replacement in case anything unforeseen happens.

Journey Students Rewards Card reports to the three major credit bureaus.

Who can apply?

You need an average credit score of 630-689 (on average) to be approved and receive your Journey Students Rewards Card.

The bank will determine your credit line after a review of your application and your ability to pay.

How to apply?

Applying online

Capital One’s website enables you to see if you are pre-approved, so you should check this out.

You get started with the process by answering some questions about yourself. Then see the cards you’re pre-approved for, and choose the offer best for you. Finally, you will answer a few more questions to finish applying for your card.

You can go directly to Capital One’s website and apply for the Journey Student Credit Card. As usual, a form will open, in which you will provide personal, contact, and financial information. In this form, you can choose between Spanish and English for future communications with the bank.

Accept the terms and that’s it.

Is it worth applying for a Capital One Journey Students Rewards Card?

The Capital One Journey Students Rewards Card is a good option for those who want rewards for their purchases, and for those who have trips planned, and although it is not intended solely for this purpose, it suits well students who are looking for their first credit card.

However, it will only make sense if you are financially well-organized and can pay on time.

Its high APR is a factor that needs to be taken into account as well.

Capital One Journey Students Rewards Card vs Self Credit Builder Secured Visa Credit Card

Self Credit Card is a new secured credit card that allows users to build their credit score without having to make monthly payments.

What sets Self Credit Builder Secured Visa Credit Card apart is the fact that it has no hard credit inquiry and no additional upfront deposits, You can use your card in the U.S. anywhere VISA is accepted.

First, you will open a Credit Builder Account and meet the Self’s eligibility requirements. The next steps are:

• Make 3 monthly payments on time.
• Have $100 or more in savings progress.
• Have your account in good standing.

After that, choose your credit limit and then order your card.

The Self Credit Builder Secured Visa Credit Card is indicated for those with very bad or nonexistent credit. So, in comparison, for those with fair credit, a credit card that offers rewards and more benefits would be a better option, such as the Capital One Journey Students Rewards Card.

Capital One Journey Students Rewards Card pros:

• 1% cash back on all purchases and 1.25% if you pay on time.
• No annual fees, foreign transaction fees, or hidden fees.
• You won’t pay any fee to transfer the balance from another card.
• Qualify with average credit.
• Earn up to $500 a year by referring friends and family.

Self Credit Builder Secured Visa Credit Card pros:

• Accounts in good standing may have opportunities to increase the credit limit over time.
• You choose what portion of your savings progress ($100 or more) is used to secure your card and set your limit.
• Provides basic Visa credit card benefits
• Anyone is eligible to apply, regardless of credit history

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