The Capital One Journey Student Card is tailored to the student who wants to earn cash back while also earning a solid credit history through responsible credit card use and financial management. Although you have to have decent credit in order to be eligible for this card, those who have a good track record will find it a solid choice – especially as they build their credit. You can get free text and email alerts sent to you to help you monitor your account, for example, and you will earn a huge 25% bonus on your cash back rewards by paying your bill on time.
There is no annual membership fee and cardholders get 1% back on every purchase. Accumulated cash rewards don’t expire, either, and there is no limit to the amount of cash you can earn. The earned cash can be redeemed by check or as a credit deposited to your account.
Many students don’t realize how quickly they can spoil their credit – while others also understand that it is also possible to rapidly establish better credit. Since credit history is a journey that starts early in life, this is a good choice and it is supported by the kind of innovative online tools and technologies for which Capital One is famous. The customer service at Capital One is also usually above average, and that can be especially helpful for consumers just starting out who may have more questions.
This is a reliable student-oriented credit card with a solid rewards program that pays cash back and also gives bonuses to cardholders who pay their bills on time. Capital One also offers good account management tools like text alerts. There is no annual fee and rewards are not limited and do not expire.
The Good:
There are easy ways to earn cash back rewards that don’t expire, and there is no limit on cash back you can earn. There is also no annual fee and a nice bonus if you pay your bills on time.
The Not So Good:
You have to have pretty decent credit in order to get this card, so those with bad credit may not be eligible.
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