Students, build credit with responsible use and earn cash back

Students, build credit with responsible use and earn cash back

Average Customer Rating Read all 7204 reviews

This card is for people with AVERAGE CREDIT.

View important rates and disclosures

Cash Back Rewards

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.

CreditWise® from Capital One®

Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise. It’s free and available to anyone, even if you’re not a Capital One cardholder.1

Access a Higher Credit Line

Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time

No Foreign Transaction Fees

When traveling or studying abroad, you won’t pay a transaction fee on purchases

Annual Fee

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Purchase Rate

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See how much you could earn

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$1,000
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Cash back amount includes the boost you earn each month you pay your bill on time.

Card features and benefits

Capital One® cards come with these features

Fraud coverage

You're covered by $0 Fraud Liability if your card is ever lost or stolen.

Account alerts

Set up personalized email or text reminders to help you stay on top of your account.

Financial tools and tips

Our Financial Education site provides tools, tips, and resources to help you understand your finances and manage your credit.

Journey® also comes with Visa® Platinum Benefits

24-hour travel assistance services

If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.

Extended warranty

You'll get additional warranty protection at no charge on items that are purchased with your credit card.

Auto rental insurance

Rent a car with your credit card and you can be covered for damage due to collision or theft.

Travel accident insurance

Get automatic insurance for loss of life or limb at no extra charge when you use your credit card to purchase your fare.

View the Complete Guide to Visa Platinum Benefits (247KB PDF)

You may need to download a free copy of Adobe® Reader® to view PDF files

Use this credit card with Apple PayTM to make purchases on the go.3


Check out Apple Pay

Ratings and reviews

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Rate and fee information

1

CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®.

2

The actual amount of cash back you earn will depend on your credit limit and purchase activity.

3

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.