Journey Student Credit Card is a low-maintenance starter card for college students. The credit card offers students the opportunity to build your credit score with responsible use and earn cash-back rewards on purchases. It offers students unlimited cash back on all purchases, with an opportunity to increase rewards to 1.25% each month. However, this is only possible if payments are made on time.
The Journey student credit card from Capital One is a fantastic way for students to build their credit history and earn rewards. It weighs as a starter low-maintenance card offering cash back on all purchases. In addition, it offers incredible security benefits and no foreign transaction fees, making it a great companion for those studying abroad.
It may not be the best student credit card out there, but it is one of the best as it charges no annual fees. Also, cardholders get fraud coverage, text alerts, and email reminders to help them stay on track with the activities on the card. If you are looking forward to building a credit history, then the Journey Student Credit Card from Capital One is a great choice.
What are The Benefits of a Journey Student Credit Card?
Aside from adding no annual fees and foreign transaction fees, there are incredible benefits offered by the Capital One student credit card. It is a great credit card to use and build your credit history. So, what are these wonderful benefits offered by the card? The benefits are many. However, we will be listing a few below;
- As a cardholder, you can set up personalized email or text reminders to help them stay on track and miss no payment.
- Cardholders can set up autopay for accounts, and payments will be automatically made each month.
- You can add an authorized user to your account and track spending.
- There is 24/7 customer service for cardholders.
- You can transfer your higher rate balances onto a Capital One card.
- Fraud coverage should in case your card is lost or stolen.
- You can lock your card effortlessly.
- Manage your card account from anywhere with the Capital One mobile app installed on your device.
- Use Credit Wise to monitor your credit and it is free for everyone. Also, your credit score won’t be affected.
- Earn unlimited rewards with no expiration date.
- The card allows you to earn travel miles on every purchase.
- Earn cashback on every purchase you make.
Journey Student Credit Card Pre-Approval/Pre-qualify
Before applying for a student credit card from Capital One, it is advisable to carry out the preapproval/prequalify test to know which student card will be best for you. The pre-approval is free and very easy to start. All that is required is your MI, legal first name, and legal last name.
How to Check your Pre-Approval
Follow the steps below to find out which student credit card from Capital One will be a good fit for your needs;
- Go to the Capital One Journey student credit card page at https://www.capitalone.com/credit-cards/journey-student/.
- Now, click on “See if I’m Pre-Approved”.
- On the next page, fill out the preapproval form using your legal name and MI.
- Then click “Continue to Pre-Approval”.
Follow the prompts that will be shown to know the credit card you are eligible for and fill out the application form.
How to Apply for a Journey Student Card
If you are eligible for the Journey Student credit card, well, the next step is to apply for the card. Applying for a Journey student credit card from Capital One is straightforward to do. Plus, it is fast as long as there is a fast internet connection. Here is how to apply for a journey student credit card;
- Go to the Journey student credit card page https://www.capitalone.com/credit-cards/students/ and click on “Apply Now”.
- Start by entering your Legal first name and Legal Last name.
- Enter MI
- Type in your date of birth and then your Tax ID (SSN or ITIN).
- Click the checkbox below “Are you a U.S Citizen?” and “Are you a student?”.
- Next, provide your contact information by entering your residential address and apartment/suite.
- Zip code, city, and state.
- Email address and primary phone number.
- Fill out your financial information.
- Enter your employment Status, your level of education completed so far, annual income, and monthly rent/mortgage.
- Select any of the options below: “Do you have any accounts?”.
- Provide the additional information that will be required and click on “Continue”.
Follow the prompts that will be shown next to complete the registration process.
How to Register for Journey Student Card Account
To set up a journey student card account, follow the steps below. However, keep in mind that you can only register when you have already had the credit card delivered to you. Now, let’s get you started on creating your card account online;
- From the Journey Student credit card homepage https://www.capitalone.com/credit-cards/students/, click on “Sign In” at the top.
- Then, select “Set Up Online Access” to register.
- To get started, enter your last name.
- Social Security Number and date of birth.
- Next, click on “Get Started”.
Simply follow the on-screen prompts that will be shown to enroll for online access to your card account.
How to Activate Journey Student Credit Card
Of course, after applying and getting approved, your next step will be to activate the credit card. However, activation of the Journey student card is easy and transparent. To activate your card, call the number on the activation sticker that is attached to your journey student card. Or go to the Capital One activation website which is also listed on the card sticker.
How to Log Into the Journey Student Card Account
Signing into your Capital One student credit card is easy and can be done with the easy steps below;
- Go to https://www.capitalone.com/credit-cards/journey-student/.
- Next, click on “Sign In” at the top of the Capital One homepage.
- Enter your username and password.
- Lastly, click on “Sign in”.
Your card account will be logged in, and you can carry out activities from there.
How to Reset Journey Student Card Login Password/Username
If you have forgotten your journey card login username or password, you can reset the login password with the guide below;
- On the sign-in page, click on “Forgot Username or Password”.
- You will be directed to the recovery link.
- Enter your last name.
- Social Security Number and Date of birth.
- Lastly, click on “Find Me”.
Next, you will have to follow the prompts that will be shown to recover or reset your card login details.
Conclusion
If you are looking forward to building your credit history, the Journey Student credit card is a good option. However, if you are searching for high reward rates or low-interest rates, this is not the card. If you seek a simple annual fee type of student credit card, the Journey from Capital One is your best bet. Also, it helps you build your credit history. Do well to share this post with your friends.
Frequently Asked Questions
Do I need to be a student to Qualify for Journey Student Credit Card?
Yes, because the Journey student card is designed to help college and university students build and access credit while in school. Just as the name implies, student credit cards are for students only.
Is Journey Student card a MasterCard or Visa?
Capital One’s Journey Student card is a Visa card, which means cardholders get Visa card protections, including zero liability and fraud protection. Visa protects your account in case your card is lost or stolen. Also, you sign up for alerts on purchases.
Is a Journey Card worth it?
Well, the Journey student credit card is worth it because it offers an incredible rewards rate and rewards can be changed from 1% to 1.25% provided your bills are paid on time. Also, it helps students build credit history and be ready for bigger opportunities.
Does Journey Student Card from Capital One have foreign Transaction Fees?
Fortunately, the student credit card offered by Capital One has no foreign transaction fees, making it a great perk for those studying abroad. Also, the card is accepted in most countries because it is a visa card.
Does the Journey Student credit card from Capital One offer a credit limit increase?
Well, the credit card offers automatic credit line reviews, which allows you to be considered for a higher limit. This happens as low as six months after your card account opening.
How does the Journey card work?
The Visa card works immediately after activation. Once you get your Journey student credit card, you can use it on purchases anytime and earn unlimited 1% cash back. In addition, if you pay your bills on time, your cashback will be increased to 1.25%.
Is the Journey Student Credit Card still available?
No, the Journey Student credit card is no longer available. You can check the https://www.capitalone.com/credit-cards/students/ to apply for another student credit card.
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