Does the Capital One Journey Student have an annual fee?

No. Our record lists a $0 annual fee for the Capital One Journey Student.

Is the Capital One Journey Student worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $150 before credits, including a welcome bonus valued at $0. Year two drops to about $150 before credits.

What credit do I need for the Capital One Journey Student?

Our record lists "Fair" credit as the typical target for the Capital One Journey Student. It's built for students, so a limited credit history is expected. Capital One makes the final decision based on its own criteria.

Capital One Journey Student Credit Card

Capital One

No Annual Fee

Annual Fee

visaFairno-annual-feestudent5 months ago

Welcome Offer

No Welcome Offer

Check issuer terms ↗

OpenCard analysis

Is the Capital One Journey Student Credit Card right for you?

The Capital One Journey Student is a no-annual-fee student rewards card from Capital One. It earns a flat 1.25x on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Students starting a credit history
✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (1.25x) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$150

Annual fee (year 1)

−$0

Year 1, before credits

$150

Year two, without the welcome bonus: about $150 before credits ($150 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 1.25x, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.

How it compares

Bank of America Travel Rewards Credit Card for Students →

Bank of America, same $0 annual fee; earns 1.5x on everything.

Amex Cash Magnet →

American Express, same $0 annual fee; earns 1.5x on everything.

Bank of America Business Advantage Travel Rewards World Mastercard →

Bank of America, same $0 annual fee; earns 1.5x on everything.

Compare side by side →

Frequently asked questions

Does the Capital One Journey Student have an annual fee?: No. Our record lists a $0 annual fee for the Capital One Journey Student.
What does the Capital One Journey Student earn?: A flat 1.25x on purchases.
Is the Capital One Journey Student worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $150 before credits, including a welcome bonus valued at $0. Year two drops to about $150 before credits.
What credit do I need for the Capital One Journey Student?: Our record lists "Fair" credit as the typical target for the Capital One Journey Student. It's built for students, so a limited credit history is expected. Capital One makes the final decision based on its own criteria.

Earning Rates

1.25×All purchases1% cash back on all purchases + 0.25% bonus when you pay on time = 1.25% total

Other Benefits

Insurance

Sources

Last Updated: Apr 27, 2026