All About the Journey Student Card’s Benefits and Features
Start building credit history with responsible use of a credit card. And with Journey, earn 1% cash back on every purchase
As a student, you’re working toward your future every day. So there’s no better time to start working on your financial future too. Building your credit with responsible use now may help you down the road when it’s time to buy a car, lease a new apartment or apply for a business loan.
Top Benefits and Features of the Journey Card
1. Unlimited 1% Cash Back on Every Purchase
Earn unlimited 1% cash back on every purchase, every day. And if you make at least the minimum payment on time, your cash back is boosted to 1.25% for that month. There’s no limit on how much you can earn, and there are no categories to sign up for. And your rewards won’t expire as long as you have your account—you can redeem your cash back for any amount, anytime.
2. No Annual Fee
Budgets can be tight when you’re in college. Every dollar counts. That’s why the Journey Student Card has a $0 annual fee.
3. Credit Limit Increase
Automatically be considered for a higher credit line in as little as six months. Capital One will review your account and notify you if you’ve been approved for additional credit.
4. Tap to Pay
Check out faster, easier and more safely with contactless payments. Simply hold or tap your card on a contactless-enabled reader, wait for the confirmation, and you’re all set. Wondering how to tell if your card or the merchant terminal is contactless? Look for the symbol—it’s those four curved lines.
5. Card Lock
If your card is ever lost or stolen, you can easily lock it from use with just a few taps. This can also be helpful if you misplace your card. And if you find your card or want to use it again, you can unlock it just as easily.1
6. Eno, Your Capital One Assistant
Eno is the Capital One assistant that looks out for you and your money around the clock. Eno monitors your account, reaches out if something unusual is spotted, such as potential fraud, duplicate charges or overly generous tips, and helps you fix it. Eno can also send you insights—like if a monthly bill is higher than usual—to help you stay on top of your money. If you have questions about your account, you can ask Eno online, on the mobile app or over text for instant answers 24/7.
Eno also helps you keep your actual card number private when you shop online on your computer by generating virtual card numbers at checkout. Add Eno to your browser to start paying with a virtual card number instead.2
7. No Foreign Transaction Fees
Frequently Asked Questions
Is the Journey Card Only for Students?
No, anyone can apply for the Journey Card.
How Do I Get Approved for a Journey Card?
The first step is to apply for a Capital One Journey Card. After that, Capital One will determine your eligibility and notify you of approval or rejection. Typically, this is a card that could be an option for people with at least fair credit.
How Does the Journey Card Work?
Once you receive your Journey Card, you can use it on any purchase anytime to automatically earn unlimited 1% cash back. And if you pay on time, your cash back is boosted to 1.25% for that month. All with no annual fee.
How Can I Use a Credit Card to Build My Credit?
Simply having a credit card doesn’t necessarily help you build credit—it’s what you do with it. The key is using your card responsibly. Things like using only the credit you need, paying on or before your due date, and not carrying a balance are just a few examples of responsible use.
Keep in mind that while using credit wisely can help you build your credit, making late payments, exceeding your credit limit or your performance on other accounts can have a negative impact on your credit rating.
Build Credit With Responsible Use
Building credit takes time. But you can help build your credit by using a credit card responsibly. And with Journey from Capital One, you can earn 1% cash back on every purchase.
1Some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.
2Eno is learning all the time and may not catch everything. Eno service outages may occur. Capital One customers are responsible for regularly checking their account statements. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Texting with Eno means you agree to chat about your account over SMS and receive recurring messages. Message and data rates may apply. Mobile phone carrier fees for text messages may apply.
Some or all Eno features may not be available to all Capital One customers, depending on the types of accounts held. For example, certain bank accounts are not eligible to text with Eno, and Eno email notifications, app notifications and virtual card numbers from Eno may not be available for certain credit cards.
The Eno browser extension for virtual card numbers is only available in certain web browsers, and enrollment is required. Virtual card numbers are not available for debit cards and some credit cards.
Government and private relief efforts vary by location and may have changed since this article was published. Consult a financial adviser or the relevant government agencies and private lenders for the most current information.
We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.