Journey Student Rewards is built for students who want a simple first credit card with no annual fee and no foreign transaction fee. It works best as an easy everyday card for small, regular purchases, especially if you value straightforward cash back more than juggling bonus categories.
All information about Journey Student Rewards has been collected independently by MaxRewards. Journey Student Rewards is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
First credit card spending
Study abroad purchases
Simple flat-rate cash back
This card makes sense for students who want a low-maintenance starter card and may occasionally use it outside the U.S. The no annual fee and no foreign transaction fee are genuinely useful at this stage, and the cash-back setup is easy to understand. You do not need to track spending categories or shift purchases around to earn rewards.
That said, the value here is mostly about simplicity and accessibility, not outsized rewards. If you have strong credit or want to maximize cash back, there are cards that earn more on everyday spending. The high APR also means this card is only a good fit if you plan to pay in full each month. For a student building credit and wanting a straightforward card to keep for everyday use, it is a reasonable pick.
A solid fit for students who want an uncomplicated first card, especially if they travel abroad and want to avoid foreign transaction fees. Its main limitation is that the rewards rate is modest, so it is more about credit building and convenience than long-term earning power.
Earning
The rewards structure is simple: cash back on every purchase with no categories to manage. That makes this card easy to use for everyday student spending, though the return is more steady than high.
Everywhere
Benefits
Price match guarantee
If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Price drop protection
We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
29.99%
Variable
Transfer APR
29.99%
Variable
Cash Advance APR
29.99%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$3
Late Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
