Journey℠ Student Rewards from Capital One®

This Capital One credit card could help you learn to manage credit with text and email alerts that help you keep things on track. Of course, the simple rewards program that let you earn rewards with every purchase might also attract you, as will the decent interest rates and simple benefits.

	Intro APR  APR Annual Fee  N/A* 19.80%* $0.00*
Basic Information
Issuer:	Capital One
Card Network:	VISA®
Card Category:	Student (Regular)
Card Type:	- Reward Card
Credit Needed:	Fair*
Top Card Review
Capital One offers a wide range of credit cards to people with varying degrees of credit experience. If you are new to credit, they have a few new products designed to help you learn more about managing your money and work on the skills necessary to become a respectable credit holder. For example, this card sends you text and email messages that inform you of statement due dates or payment processing. In addition to learning responsibility, this card can also help you by rewarding your responsibility with incentive points. Every purchase will earn you points that you can cash in later for a variety of different rewards, including things like gift cards and merchandise. Competitive interest rates are also included.
Card rating:	(4 out of 5)
Most attractive features:	- Free rewards program - No annual fee - Students card to build good credit
Least attractive features:	- No introductory offer
Top Rewards & Benefits
Reward Types:	- Cash Back Reward Cards - Universal Reward Cards
Reward Unit:	Cash
Rewards:	- 1% cash back on all purchases - You will be awarded a bonus equal to 25% of the 1% cash back earned in each billing cycle if your account is not past due on the last day of the billing cycle.
Expiration:	None
Yearly Limit:	None
Other Benefits:	- Cash rewards don't expire - There's no limit to the amount of cash you can earn - Get your cash back anytime as an account credit or check, even set up automatic redemption - Travel Accident Insurance - 24-Hour Travel and Emergency Assistance - Emergency card replacement or cash advance
Online Card Account Access:
Top Card Finance & Rates
Introductory APR (%):	N/A*
Introductory Period:	N/A*
APR on Purchases (%):	19.80%
APR Type:	variable
Annual Fee:	$0.00*
Grace Period:	25 days*
Minimum Finance Charge:	$0.50*
Late Payment Fee:	Up to $35*
Top Balance Transfers
Balance Transfer:
Transfer Fee (%):	0.00% of each balance transfer
Top Cash Advances
APR on Cash Advances (%):	24.90%
Cash Advance Fee (%):	3.00%
Minimum Fee:	$10.00
Top Other Fees
Additional Fees	Return check fee: $35.00
Top Action
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* The information provided for Journey Student Rewards from Capital One is believed to be accurate at the time of evaluation (Mar 8, 2012). We strongly advise visitors to review the terms and conditions provided to verify accuracy of the information posted prior to applying for the product.

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