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Capital One Journey Student Card Review: No Longer Available; Still Great for Current Cardholders

This card offers simple flat-rate rewards, with a bonus for paying on time. You don’t even have to be a student to apply, so consider it if you have average credit.

• No annual fee
• Qualify with average credit
• Reports to the three major credit bureaus

No foreign transaction fees

• Earns rewards

29.99% Variable APR

Rewards rate

Bonus offer

Ongoing APR

APR: 29.99% Variable APR

Cash Advance APR: 29.99%, Variable

Balance transfer fee

$0 at this Transfer APR

Foreign transaction fee

• Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Enjoy no annual fee, foreign transaction fees, or hidden fees
• Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
• Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
• Pick the monthly due date that works best for you
• Pay for Amazon.com purchases using your Capital One rewards
• Pay for online purchases with virtual card numbers and keep your actual card number to yourself
• Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
• Build your credit with responsible card use

Compare to Other Cards

Detailed review: Journey Student Rewards from Capital One

» this page is out of date.

The Journey Student Rewards from Capital One is no longer on the market.

With the Journey Student Rewards from Capital One , you can build credit as a college student while earning cash back — no spending acrobatics required. Boasting rewards for paying on time, this card makes it easy to establish good habits early on. Here’s what you should know before applying.

» MORE: A guide to Capital One's credit cards for college students

Journey Student Rewards from Capital One : Basics

Card type: College student .

Annual fee: $0 .

Bonus: None .

Rewards: You’ll earn 1% cash back on all purchases, plus a 0.25% bonus every month you pay on time. That adds up to 1.25% in cash back. Also earn an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

APR: The ongoing APR is 29.99% Variable APR .

Foreign transaction fee: None.

Other perks:

Payments reported to three major credit bureaus (TransUnion, Equifax and Experian), which helps you build credit.

Unlimited access to your credit score through the CreditWise tool.

Virtual card numbers from Eno , Capital One’s assistant, can be used to pay for online purchases to keep your card number secure.

A card-lock feature keeps your card safe if it is misplaced, lost or stolen.

Travel and retail benefits such as travel accident insurance, auto rental collision damage coverage, 24-hour travel assistance and extended warranty protection. (Benefits may change over time.)

» MORE: Capital One credit cards mobile app review

Benefits and perks

The Journey Student Rewards from Capital One requires you to have at least average credit to qualify. If you can meet that requirement, it's worth considering this card. Here's why it might be a good fit:

A potential credit line increase

If you make your payments on time, you can be automatically considered for a credit limit increase in as little as six months. Gaining more available credit may also give your credit score a boost , assuming you continue to only use a small amount of it.

A rewards boost for on-time payments

The card's baseline rewards rate is 1% cash back on all purchases, but you can earn an additional 0.25% (for a total of 1.25%) cash back in each billing cycle if your account is not past due on the last day of that cycle. That's below the industry-standard flat rate of 1.5% back , but it's still decent for a student card. If you're the type of person who always turns things in on time, from assignments to bills, this deal can help you save even more. On top of that, you can earn 5% cash back on hotels and rental cars booked through Capital One Travel, the issuer's online travel-booking portal.

A credit monitoring tool

You can track your credit score with CreditWise, a free app from Capital One available for iPhone and Android devices. You’ll get unlimited access to your credit score, and you'll be notified of changes to your credit report and potential threats to your personal information. The tool alerts you when your Social Security number is used with a new name or address. It also scans the dark web and alerts you if it finds your Social Security number or email address there.

Want to travel abroad for a semester? With the Journey Student Rewards from Capital One on hand, you won't incur expensive fees tacked onto each purchase. You could save a few dollars for each transaction this way — which, over the course of a few months, could add up to hundreds. As a Visa, the card is also widely accepted abroad.

Travel and retail benefits

With 24-hour travel assistance services, you can get your card replaced if it’s lost or stolen. And the travel accident insurance covers a loss when you use your credit card to purchase your fare. You can also stress less about a rental car being stolen or damaged because the auto rental collision coverage may reimburse you if that happens. (Terms apply. Benefits may change over time.)

Drawbacks and considerations

The Journey Student Rewards from Capital One might not be the best card for all students. If you have better-than-average-credit or if the card isn't a match for your spending, consider other options.

Here are a few reasons why you might consider a different credit card:

Low rewards rates

The Discover it® Student Cash Back , for example, earns 5% cash back in rotating categories on up to $1,500 in quarterly purchases (activation required; all other purchases earn 1% back). The card also comes with free FICO scores, security alerts and no foreign transaction fees. Discover notes that there's no FICO history requirement for this card. It has a $0 annual fee.

The Citi Rewards+℠ Student Card offers an introductory 0% period for purchases — a rare benefit on a student credit card. It earns 2 ThankYou points per $1 spent at supermarkets and gas stations (on up to $6,000 spent annually) and 1 point per $1 spent on all other purchases. Plus, all purchases are automatically rounded up to the nearest 10 points.

Traditional credit requirements

If you lack a U.S. credit history, a Social Security number or both, the Deserve® EDU Mastercard for Students can be an excellent starter card. The issuer uses its own underwriting process to evaluate applications based on alternative criteria. The card earns 1% cash back on all purchases and it even offers some perks, too. It has a $0 annual fee. Terms apply.

For even more card options, take a look at NerdWallet's best-rated credit cards .

If you're building or rebuilding credit, you might be better off getting a secured credit card. These cards require a cash security deposit, which makes them easier to apply for. Capital One's secured card deserves a look because of its flexible deposit requirements.

How to decide if it's right for you

If you’re looking for high rewards rates or low interest rates, the Journey Student Rewards from Capital One may not be the best choice for you. But if you’re seeking a simple, $0 -annual-fee card that can help you build your credit and eventually qualify you for better terms, this is a very good starter card.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions

The Journey Student Rewards from Capital One is a good option for those new to credit. It’s a simple $0 -annual-fee card that can help you build credit and eventually qualify for better terms. If you’re after high rewards, though, other student credit cards may be more generous.

The Journey Student Rewards from Capital One helps you build credit by reporting your payments to all three credit bureaus, TransUnion, Equifax and Experian. It also incentivizes paying on time. You get 1% cash back on all purchases, plus an additional 0.25% in any month when you pay on time. That’s up to 1.25% cash back. It’s also well-equipped to travel abroad with no foreign transaction fees. It has a $0 annual fee.

You do not have to be a student to qualify for the Journey Student Rewards from Capital One .

The Journey Student Rewards from Capital One offers automatic credit line reviews, which allow you to be considered for a higher credit limit in as little as six months after opening your account.

The Journey Student Rewards from Capital One reports payments to TransUnion, Experian and Equifax. These companies record your payment history. With on-time payments, you can have a positive impact on your credit score.

About the author s

Claire Tsosie

Melissa Lambarena

Journey Student Rewards from Capital One credit card review

Journey Student Rewards from Capital One Overview

Update : Some offers mentioned below are no longer available. View the current offers here .

The Journey Student Rewards from Capital One (no longer available) is not rated as one of our best rewards credit cards for students . But with no foreign transaction fees, it might be a good fit for international travelers and students traveling abroad. Since this card is relatively easy to get, requiring just an average credit rating, it's a great first credit card for some savvy students. Card rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

This page includes information about the Discover products that are not currently available on The Points Guy and may be out of date.

Student credit cards rarely represent the best value for rewards credit cards. They tend to offer fewer points with lower values than the harder-to-get cash-back rewards counterparts that are designed for people with more established credit histories.

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But here's the benefit: Student rewards cards are typically easier to qualify for than other rewards cards. Plus, most of the best student rewards credit cards don't have an annual fee, which is especially important for college kids on a tight budget. The Journey Student Rewards from Capital One fits these criteria. It's available to students with average credit or a short credit history, making it very accessible as a starter credit card. The rewards may not be the best, but a number of other perks help it fit into a student's lifestyle.

You can choose a due date that works best for you and you'll qualify for a higher credit limit after you make five months of payments on time. With no annual fee and no foreign transaction fees, the Journey Student card can kickstart your lifetime journey of building good credit.

Related reading: TPG beginner's guide: Everything you need to know about points, miles, airlines and credit cards

Who is this card for?

Going away to college for the first time marks an exciting endeavor in a young adult's life. It's important to carry the right credit card to begin building your credit history . A credit card also provides a convenient way to pay for everything from college books to meals with friends. If you're going to be spending money anyway, you might as well choose a student rewards credit card that gives you cash back.

The Journey Student card is ideal for students who are just learning how to manage their credit. And if you're traveling abroad, the Journey card is one of only a handful of student credit cards with no foreign transaction fees .

Related reading: Best credit cards for college students

Main perks and benefits

The Journey Student card from Capital One has benefits that are custom-built for students just starting their credit journey.

The main draw of the card, for many, is that it has no annual fee and no foreign transaction fees. Beyond that, the card provides tools that help you manage your money.

Eno®, your Capital One® assistant, makes it easy to manage your account via text. You can receive alerts when bills are due or to notify you of transactions, and receive fraud alerts and notifications of duplicate transactions so you can preserve the good credit you're starting to build. You can generate a virtual pin number to shop safer online. Eno can also help you budget your money by offering insights on your spending every month.

The Journey Student card provides $0 fraud liability if your card is ever lost or stolen. You can monitor your credit through Capital One's CreditWise app.

You can set your monthly due date and ramp up your rewards to 1.25% — up from 1% — each month you pay your bill on time. A higher credit limit will reduce your credit utilization ratio, which, in turn, can help increase your credit score over time.

Related reading: How Credit Scores Work

Earning and Redeeming Rewards

You'll earn 1% to 1.25% cash back on every purchase every time you use your Journey card. Your rewards never expire, and there's no limit to how much you can earn.

Rewards come in the form of a statement credit to lower your bill, and you can redeem them at any time through your Capital One online account or mobile app. You can choose to redeem them manually or set up automatic redemption when you reach a certain amount of cash.

Which cards compete with Capital One Journey for students?

Depending on their credit rating, students have many choices when it comes to credit cards. They can opt for regular rewards cards designed for people who are building their credit or cards specifically designed for students.

If we narrow down the competitors to student-marketed cards, the main competitors of Journey include Discover it Student Cash Back , the Citi Rewards+℠ Student Card, and the Bank of America® Cash Rewards credit card for Students.

All three of these cards offer more generous rewards than the Journey card, with Discover it Student Cash Back leading the pack. Discover it Student Cash Back gives students 5% cash back on their first $1,500 in purchases in rotating quarterly categories after enrollment, and 1% cash back on everything else.

Discover also matches the cash back total after the first year of card membership, giving this card a lot of bang for the buck. Plus, good students earn a $20 statement credit for each school year their GPA is 3.0 or higher for up to five years. Like Capital One Journey, Discover's student card has no foreign transaction fees — though bear in mind that Discover may not be as widely accepted as other card types outside the U.S.

The Citi Rewards+ Student Card has a novel rewards structure. The card rounds up your rewards points on all purchases to the nearest 10 points. If you buy a meal at your favorite fast-casual restaurant and it costs $11.49, you'll earn 20 points. And a $4.33 latte will earn you 10 points – not four. Not bad.

Citi Rewards+ Student card also has a welcome bonus. You'll earn 2,500 points after you spend $500 with your card within the first three months of account opening.

The Bank of America Cash Rewards credit card for Students also has an unusual rewards structure. You choose the category that earns 3% rewards. You'll also get 2% cash back at grocery stores and wholesale clubs and 1% everywhere else. This highly customizable card can help new credit holders get used to the idea of bonus categories. You'll only earn 2% and 3% for the first $2,500 in combined purchases quarterly, yielding $75 in cash rewards, before you drop down to earning 1% on all purchases.

Bank of America offers a $100 online cash rewards bonus after you spend $1,000 in purchases within 90 days of account opening.

The Capital One Journey for Students does not have a sign-up bonus and offers fewer rewards than any of its competitors. The main benefit of the Capital One Journey card is the lack of foreign transaction fees and the tools it offers to help build your credit quickly.

The information for the Bank of America Cash Rewards credit card for Students has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related reading: How college students can maximize travel rewards credit cards

Bottom line

In general, there are better student cards to apply for than the Capital One Journey Rewards for Students. Discover it Student Cash Back carries a generous rewards structure, a sign-up bonus and no foreign transaction fees. However, if your credit is only fair or average, it may be easier to qualify for Journey. Set up automatic payment for your bill, earn a credit limit increase and prepare to move on to a better rewards card as your credit score rises.

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Journey student rewards from capital one review [2024]: earn cash for paying on time.

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We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies .

Editor's note:

Just because you’re still in school doesn’t mean you can’t start working toward a healthy financial future. In fact, if you begin building credit as a college student, it might be easier to do things like rent an apartment or take out an auto loan when you start your post-college life.

Enter the Journey Student Rewards from Capital One, a card that helps you build good credit habits and offers a little kickback to boot. In this Journey Student Rewards from Capital One credit card review, we’ll take a look at this card’s features and whether it’s the right choice for you.

Who should get the Journey Student Rewards from Capital One card?

Card basics, journey student rewards from capital one benefits and perks, drawbacks to the journey student rewards from capital one, earning & redeeming cash back, journey student rewards from capital one faqs, other cards to consider.

If you have a limited credit history, the Journey Student Rewards Card could be a great choice. Cardholders can earn 1% cash back on all purchases and 1.25% cash back each month you make an on-time monthly payment; plus 5% cash back on hotels and rental cars booked through Capital One Travel. 

That extra incentive to earn bonus cash back is a great perk for those committed to being a good steward of their credit card and avoiding late payments. Plus, you have the potential to access a higher credit line as soon as six months after opening the account. 

If you're new to credit, this card has some features that might come in handy. You can also use Eno, Capital One's assistant, to easily access card information like your balance, available credit, and recent transactions. 

It’s also a great card for those who are interested in international travel since there are no foreign transaction fees.

• Unlimited cashback rewards:  This card offers 1% cash back on all purchases and 1.25% cash back each month you make an on-time monthly payment; plus 5% cash back on hotels and rental cars booked through Capital One Travel. The Journey Student Rewards card also offers an autopay feature, so you’ll never miss the due date.
• Simple credit line increases : Don’t worry if you start out with a lower credit limit than you’d like. You will get automatic consideration for a higher credit line as soon as six months after you open this account.
• Travel perks: This credit card has no foreign transaction fees, so you don't have to worry about this extra cost when traveling abroad.
• Capital One Entertainment:  Receive special access to music, sporting, and dining events through the Capital One Entertainment portal. You have the option to use your rewards, your card, or a combination of the two to pay for tickets.
• Low rewards rate: Some student cards offer higher reward rates. If rewards are important to you, check out the Discover it ® Student Cash Back.

Best ways to earn

The good news is that the Journey Student Rewards from Capital One doesn’t have complicated earnings categories or make you activate bonus categories during specific times of the year. 

All you need to do is use your credit card for your regular purchases to earn 1% cash back on all purchases and 1.25% cash back each month you make an on-time monthly payment; plus 5% cash back on hotels and rental cars booked through Capital One Travel. 

Be sure to make on-time payments in order to earn the maximum amount of cash back. You can boost your credit score and earn some cashback rewards at the same time.

However, be careful not to run up a large balance on this card. If you don’t pay your balance off every month, you’ll be charged interest fees. Those costs can easily eat into your cashback rewards.

Maximizing your redemptions

Since this is a simple cashback card, there’s not much you can do in terms of getting more value out of your earnings. This card gives you the choice of redeeming your rewards via check, gift cards, or statement credit. Your rewards never expire, and there’s no limit to how much you can earn.

You can also set up automatic redemptions for your rewards, if you’d prefer. Choose a specific time each year to redeem your cash back, or select a certain dollar threshold (as little as $25 up to $1,500) to cash in rewards automatically.

Do I have to be a student to qualify for the Capital One Journey Student Rewards Card?

Though most student credit cards require you to be enrolled in school, this isn’t one of them. You do, however, need to be at least 18 years old and a U.S resident.

That said, this card was designed to be used by students. If you’re not in school, other credit cards may serve your needs better. For example, you might prefer to build your credit with a secured credit card .

Do I need a job to be eligible for the Journey Student Rewards Card?

You do need to have a source of income to be eligible for this card. Capital One asks that your monthly income exceeds your monthly rent or mortgage payment by at least $425 in order to be eligible.

However, you can count additional sources of income besides what you earn from a job. For example, you can include money you receive from public assistance or shared income that someone regularly deposits into an account for you to use.

What credit score do I need to get the Journey Student Rewards Card?

Capital One’s website doesn’t explicitly state the exact credit score you need, except that you need a credit score that’s poor to fair.

According to FICO, a fair credit score ranges from 580 to 669.

Can I upgrade this card after I graduate?

You may be able to upgrade, but this will depend on your specific situation. Factors such as your credit score, payment history, and income will all be considered before you’re approved for a different card.

To inquire about upgrading your card, log into your Capital One account and contact a customer service representative or call their customer service hotline to see what can be done.

If the Journey Student Rewards card isn’t a good fit, here are some alternatives:

Discover it ® Student Cash Back

This is another cashback card that rewards you for purchases. With the Discover it Student Cash Back , you can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. And Discover will match all the cash back you’ve earned at the end of your first year.

Bank of America ® ️ Customized Cash Rewards Credit Card for Students

This card is another great choice, as it has a welcome offer and higher rewards than the Journey Student Rewards Card. The  Bank of America Customized Cash Rewards for Students  offers a $200 cash rewards bonus after spending a $1,000 on purchases in the first 90 days.

You also earn 3% cash back in a category of your choice and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 quarterly for these two categories combined); and 1% cash back on all other purchases

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Journey Student Rewards from Capital One

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Capital One Quicksilver Student Cash Rewards Credit Card vs. Journey Student Rewards from Capital One

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As more student credit cards enter the starter credit card space, you might be wondering which one is right for you. Most major issuers have respectable student credit card offers, all with varying rewards rates, welcome offers and other benefits.

In this comparison guide, we’ll look at two student credit cards from Capital One — the Capital One Quicksilver Student Cash Rewards Credit Card and the Journey Student Rewards from Capital One.

Main details

Quicksilver student cash rewards vs. journey student rewards highlights, rewards rate winner: quicksilver student cash rewards.

The Quicksilver Student Cash Rewards offers a flat 1.5 percent cash back on all purchases and there’s no limit to how much cash back you can earn. Plus, this card is eligible for 5 percent cash back on hotels and rental cars booked through Capital One Travel.

In comparison, the Journey Student Rewards offers just 1 percent cash back on all purchases. That rate is then boosted to 1.25 percent back for the month if you pay your bill on time. If your goal is to earn as much cash back as possible, then the Quicksilver Student Cash Rewards would be the better option of the two.

Welcome bonus winner: Quicksilver Student Cash Rewards

The Quicksilver Student Cash Rewards currently offers a welcome bonus of $50 when you spend $100 within the first three months of card membership. This offer is among the better welcome offers available with student credit cards, and it would be easy to meet — you’d only have to spend about $34 per month to earn the bonus.

The Journey Student Rewards, on the other hand does not offer a welcome bonus.

Although the Journey Student Rewards’ welcome bonus requirements are easier to meet — you only need to pay your monthly credit card bills on time — the Quicksilver Student Cash Rewards offers an easy-to-attain, higher welcome bonus of $50, making it the clear winner in this category.

Annual fee winner: Tie

Neither card has an annual fee, meaning you won’t have to pay for card membership each year. It’s easy to find a student credit card without an annual fee, so make sure that any card you’re seriously considering doesn’t have one.

Foreign transaction fee winner: Tie

Both the Quicksilver Student Cash Rewards and Journey Student Rewards include no foreign transaction fees . This means either card would be a good option for studying or traveling abroad since you won’t have to pay a fee (usually around 3 percent) for each transaction you make outside of the country.

Which card earns the most?

The following is a pretty straightforward spending example since we’re comparing the Quicksilver Student Cash Rewards’ 1.5 percent cash back to the Journey Student Rewards’ 1 percent cash back. In addition to that, we’ll also throw in the Journey Student Rewards’ bonus cash back rate of 1.25 percent to see how much you can earn as an on-time payer.

Quicksilver Student Cash Rewards vs. Journey Student Rewards spending example

Say you spend $125 on groceries, $50 on dining, $30 on entertainment and $40 on miscellaneous expenses each month, for a total of $245. Of the three earning rates for the two cards, you could earn the following cash back on your purchases each month:

For this spending example, we used modest spending amounts to estimate the potential rewards earnings since students likely won’t have high credit limits or spending budgets. But you can see that the Quicksilver Student Cash Rewards wins out on cash back every time.

The Quicksilver Student Cash Rewards even beats out the Journey Student Rewards in terms of the welcome bonus.  That’s an extra money in your pocket that you can use however you want — for streaming services, takeout, shopping or whatever.

Why should you get the Quicksilver Student Cash Rewards?

You should get this card if you want a straightforward way to earn a respectable cash back rate and a solid welcome bonus. Plus, the card includes multiple ways to redeem rewards and no foreign transaction fees, making it a good pick if you’re planning to travel or study abroad . It also comes with access to Capital One Travel and 5 percent cash back on hotels and rental cars booked through the Capital One Travel portal.

Additional benefits

The Quicksilver Student Cash Rewards comes with a number of card benefits like price protection, extended warranty protection, complimentary concierge services, rental car insurance, roadside assistance, travel accident insurance, emergency travel assistance, $0 fraud liability, virtual card numbers from Eno and credit monitoring through CreditWise, among others.

Also, you can automatically be considered for a higher credit limit in as little as six months, which is a much shorter time period than competing student cards. If you use your card responsibly — which means paying your bill on time and keeping your balance in check — then Capital One could reward you with an increased credit limit .

Redemption options

Quicksilver Student Cash Rewards cardholders can redeem their cash back rewards for statement credits, checks, checkout at PayPal, shopping on Amazon and gift cards from merchants like Starbucks, Ulta Beauty, Panera Bread, Whole Foods and others.

Recommended credit score

Since this is a student credit card, your approval odds are likely better if your credit profile is, at minimum, in the fair to good credit range (a FICO score of 580 to 740).

Why should you get the Journey Student Rewards?

If you’re a new cardholder looking to build your credit and practice good financial habits — and you’re not interested in the welcome bonuses or higher rewards rates that come with other student cards — then the Journey Student Rewards could be a good fit for you.

The Journey Student Rewards doesn’t have as many card benefits as the Quicksilver Student Cash Rewards. The main benefits this card offers include access to the Capital One Travel portal, $0 fraud liability, virtual card numbers from Eno, credit monitoring through CreditWise and emergency card replacement. Plus, like the Quicksilver Student Cash Rewards, you’ll be automatically considered for a higher credit limit after six months.

The redemption methods for this card are the same as the Quicksilver Student Cash Rewards. You can redeem your cash back in the form of statement credits, checks, gift cards or shopping at Amazon or via PayPal.

The Journey Student Rewards requires a fair to good credit score (a FICO score of 580 to 740).

The bottom line

Building credit can be a long, drawn-out process, but starting early can make a huge difference. As a student, there are plenty of credit-building student cards available that’ll also offer you perks like welcome bonuses and cash back on all of your purchases.

In this case, there are pros and cons for both the Capital One Quicksilver Student Cash Rewards and the Journey Student Rewards from Capital One . However, even if you only plan to hang onto a student card for a year or two, the Quicksilver Student Cash Rewards beats out the Journey Student Rewards in terms of its higher rewards rate, welcome bonus and additional benefits.

Is the Capital One Quicksilver Student Cash Rewards Card worth it?

Capital One Quicksilver Student Cash Rewards Credit Card review: Streamlined cash back for students

What the Wells Fargo Autograph Journey Visa Card offers

• How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card
• 3 key benefits cardholders get from the Autograph Journey 

Move Over, Chase Sapphire Preferred. This New Travel Credit Card Is Turning Heads

Wells Fargo's newest card has one key advantage over the gold standard in travel cards.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The Wells Fargo Autograph Journey℠ Visa® Card * -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates. 

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards, plus three insider tips to help you decide if you should add it to your credit card lineup.

Here’s a quick overview of what you can expect with the Autograph Journey:

• Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
• Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
• Receive an annual statement credit with a $50 minimum airline purchase.
• No foreign transaction fees.
• Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
• $95 annual fee.

How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card

Wells Fargo Autograph Journey℠ Card

Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

3 key benefits cardholders get from the autograph journey .

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

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After writing about hundreds of credit cards, these two are still my favorite, 6 reasons the chase sapphire preferred should be your next credit card, 3 steps to take when your flight is canceled or delayed, 8 best credit card strategies to maximize earnings in 2024, as a foodie who enjoys a night out on the town, this credit card gives me plenty to savor.

* All information about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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Find the best credit card for you

5 best credit cards that offer pre-approval or pre-qualification in 2024, pre-approval doesn't guarantee approval, but it can help you avoid an unnecessary hard pull on your credit..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

When you apply for a credit card, the issuer performs what is known as a hard pull or hard inquiry , which shows up on your credit report. Hard pulls temporarily lower your credit score, which isn't the end of the world, but it's better to avoid racking up unnecessary hard inquiries since they can remain on your credit report for up to two years. One way to do this is by going through a card issuer's pre-approval or pre-qualification process before applying.

Getting a pre-approved offer for a credit card doesn't guarantee you'll be approved, but it can give you a better idea of your approval odds with no hard inquiry. There is no impact to your credit score until you formally apply.

Not every card issuer offers pre-approvals. Below, CNBC Select details the top credit cards that generally offer pre-approval or pre-qualification and how they work. (See our methodology for more information on how we made this list.)

Best credit cards for pre-approval

• Best for no annual fee: Wells Fargo Active Cash® Card
• Best for balance transfers: Citi Double Cash® Card
• Best for travel rewards: American Express® Gold Card
• Best for cash-back:   Discover it® Cash Back
• Best for premium perks: Capital One Venture X Rewards Credit Card (see rates & fees )

Best for no annual fee

Wells fargo active cash® card.

Unlimited 2% cash rewards on purchases

Welcome bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers; balance transfers made within 120 days qualify for the intro rate

Regular APR

20.24%, 25.24%, or 29.99% Variable APR on purchases and balance transfers

Balance transfer fee

3% intro for 120 days from account opening then BT fee of up to 5%, min: $5

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

• Unlimited cash rewards
• $200 cash rewards welcome bonus
• No annual fee
• Introductory APR period for first 15 months
• Access to Visa Signature® Concierge
• Get up to $600 cell phone protection (subject to a $25 deductible)
• 3% fee charged on foreign transactions

Who's this for? The Wells Fargo Active Cash® Card (see rates and fees ) is a jack of all trades, with an easy-to-earn welcome bonus , generous intro-APR offer and a lucrative flat-rate rewards structure — all for no annual fee .

Standout benefits: This card earns unlimited 2% cash rewards on every purchase. This simple cash-reward rate takes the headaches out of maximizing the return you get on your credit card spending.

Wells Fargo pre-approval process: Fill out this Wells Fargo pre-qualification form with your name, address and the last four digits of your Social Security Number (SSN). If you have a Wells Fargo online account, you can log in to expedite the process.

[ Jump to more details ]

Best for balance transfers

Citi double cash® card.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

• 2% cash back on all eligible purchases
• Simple cash-back program that doesn't require activation or spending caps
• One of the longest intro periods for balance transfers at 18 months
• 3% fee charged on purchases made outside the U.S.
• Estimated rewards earned after 1 year:  $443
• Estimated rewards earned after 5 years: $2,213

Who's this for? The Citi Double Cash® Card is ideal for those seeking a strong introductory APR offer for balance transfers and still want to earn valuable rewards.

Standout benefits: Eligible balance transfers qualify for an intro 0% APR for the first 18 months, then a variable 19.24% to 29.24% APR applies. There is an intro balance transfer fee of 3% of each transfer completed in the first four months ($5 minimum). The standard balance transfer fee of 5% of each transfer ($5 minimum) applies thereafter.

Citi pre-approval process: See what Citi credit card offers you're pre-qualified for with this form . Enter your name, email, address and the last four digits of your SSN.

Best for travel rewards

American express® gold card.

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

See Pay Over Time APR

Read our American Express® Gold Card review .

• Up to $120 dining credit annually ($10 a month) for purchases made with Grubhub, Goldbelly and other eligible restaurants (after a one-time enrollment)
• Up to $120 Uber Cash annually ($10 a month) for U.S. Uber Eats orders and U.S. Uber rides (card must be added to Uber app to receive the Uber Cash benefit)
• Strong rewards program with 4X points earned at restaurants and 3X points earned on flights booked directly with airlines or amextravel.com
• Baggage insurance plan covers up to $1,250 for carry-on baggage and up to $500 for checked baggage that is damaged, lost or stolen
• No fee charged on purchases made outside the U.S.
• No introductory APR period
• $250 annual fee
• Estimated rewards earned after 1 year: $1,074
• Estimated rewards earned after 5 years: $2,969

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The American Express® Gold Card is great for earning travel rewards thanks to its generous bonuses on common spending categories like dining and groceries.

Standout benefits: Cardholders get up to $120 in annual dining credit (up to $10 per month at Grubhub , Goldbelly, The Cheesecake Factory and other participating restaurants; enrollment is required) and up to $120 in Uber Cash ($10 per month) to put toward rides in the U.S. and dining via Uber Eats (you must add your Amex Gold Card as a payment method in the Uber app to enroll).

American Express pre-approval process: See what American Express card offers you may be eligible for by filling out this form with your name, address, last four digits of your SSN and your annual income. If you already have an Amex account, you may need to open the form in incognito mode or clear your browser's cache to access the page.

Best for cash-back

Discover it® cash back.

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

Discover will match all the cash back earned for all new cardmembers at the end of your first year.

0% for 15 months on purchases

17.24% to 28.24% Variable

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Good / Excellent

* See rates and fees , terms apply.

Read our Discover it® Cash Back review.

• Cash-back program
• Generous welcome bonus
• Cash-back categories must be activated each quarter
• Cash-back program limits earnings: Enroll every quarter to earn 5% cash back in various categories on up to $1,500 in quarterly purchases, then 1%

Who's this for? The Discover it® Cash Back is a relatively easy-to-get cash-back card with no annual fee and useful rotating bonus categories .

Standout benefits: This card has a unique welcome offer that can supercharge your cash-back earnings. Discover will match the cash back new cardholders earn in the first year. So, purchases that qualify for 5% cash back would effectively earn 10% back in your first year. Plus, the card has no foreign transaction fees.

Discover pre-approval process: Fill out this Discover credit card pre-approval form with your name, address, date of birth, housing payment, student status and gross income to see what offers you're eligible for. If you don't qualify for an unsecured card, you may want to consider a secured credit card such as the Discover it® Secured Card which doesn't require a credit score.

Best for premium perks

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Foreign transaction fees

Read our Capital One Venture X Rewards Credit Card review.

• Large welcome bonus
• No foreign transaction fees
• Up to $100 statement credits for either Global Entry or TSA PreCheck®
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• High annual fee
• No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is geared towards those seeking luxury benefits like airport lounge access, annual travel credits, various travel and shopping protections and more.

Standout benefits: Every year, Capital One Venture X Card members receive up to $300 in travel credits for bookings made through Capital One Travel and 10,000-anniversary bonus miles (worth $100 in travel). Those two benefits alone can offset the card's $395 annual fee (see rates and fees ).

Capital One pre-approval process: You can see what Capital One cards you're pre-approved for by filling out this form . You'll need to enter your name, address, email address, phone number, employment status, education, income, housing payment, date of birth, SSN and what type of bank accounts you have.

More on our top credit cards that offer pre-approval or pre-qualification

The  Wells Fargo Active Cash® Card  is a no annual fee card that can help you earn cash rewards, while enjoying various money-saving benefits.

• Unlimited 2% cash rewards on all purchases

Earn $200 in cash rewards after spending $500 in purchases in the first three months of account opening.

Notable perks

Cardholders can take advantage of cell phone insurance when they pay their monthly bill with the card. This insurance covers damage, theft and loss of a cell phone and has a $25 deductible. You can be reimbursed for up to two claims per 12 months and up to $600 per claim.

Cardholders can also save on interest with the card's intro-APR offer. Purchases and eligible balance transfers qualify for an intro 0% APR for 15 months. then a variable 20.24%, 25.24% or 29.99% applies. To qualify for the intro APR, balance transfers must be completed within 120 days of opening the account. There is an intro balance transfer fee , and for the first 120 days you'll pay 3% of the amount of each transfer ($5 minimum). After the intro period, the balance transfer fee increases to 5% of the amount of each transfer ($5 minimum).

[ Return to card summary ]

The Citi Double Cash® Card is a cash-back credit card , but it earns cash back in the form of Citi ThankYou points , which which can be redeemed in lots of ways, including the option to transfer them to travel partners.

• 5% total cash back on Citi travel bookings (through Dec. 31, 2024)
• 2% cash back on all purchases: 1% back when you buy and 1% back as you pay

Earn a $200 cash bonus after spending $1,500 on purchases in the first six months of account opening.

The ThankYou® points can be redeemed for cash back, gift cards and travel at a rate of one cent per point. Cardholders also have access to a small number of Citi's travel partners, including Wyndham, Choice and JetBlue. If you have a Citi card that enables full transfers, such as the Citi Premier® Card , you can combine the points you earn with your Double Cash and then transfer those points to all of Citi's partner hotel and airline loyalty programs.

There are also several special cardmember programs, including Citi Entertainment℠, which gives cardholders first access to purchase tickets for thousands of concerts and events. The card also provides access to Citi® Identity Theft Solutions, a service that will help you if you're a victim of identity theft.

The American Express® Gold Card is a travel rewards card with a long list of benefits that can easily make the annual fee worth paying (see rates and fees ). Plus, the Amex Membership Rewards points you earn with this card are some of the most valuable travel points out there since they can be transferred to a variety of airline or hotel partners.

• 4X points at restaurants (plus takeout and delivery in the U.S.)
• 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
• 3X points on flights booked directly with airlines or on Amextravel.com
• 1X points on all other purchases

Earn 60,000 points after you spend $6,000 on eligible purchases within the first six months of card membership.

$250 (see rates and fees )

Cardholders receive up to $120 in dining credit per year ($10 per month) at participating partners and up to $120 in Uber Cash per year ($10 per month) after you add your Amex Gold Card as a payment method in the Uber app. The card also offers no foreign transaction fees (see rates and fees ), baggage insurance, rental car coverage (secondary), extended warranty, purchase protection and trip delay insurance .

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

The Discover it® Cash Back is a no-annual-fee cash-back rewards card that allows you to earn a generous 5% back on rotating spending categories.

• 5% cash back on the first $1,500 in purchases in rotating categories each quarter (when you activate), then 1% cash back. Check out Discover's 5% cash-back calendar .
• 1% cash back on all other purchases

Discover will match the cash back you earn at the end of the first year.

New card members receive an intro 0% APR for 15 months on purchases and eligible balance transfers, then a variable 17.24% to 28.24% applies. An intro balance transfer fee of 3% of the amount you transfer applies to eligible transfers. The standard transfer fee on future balance transfers is up to 5% of the amount of each transfer. (See rates and fees )

The card charges $0 in  foreign transaction fees , which can save you money when traveling abroad.

The Capital One Venture X Rewards Credit Card (see rates and fees ) is a premium credit card with a straightforward rewards structure, a long list of benefits and a lower annual fee than other high-end cards with similar features.

• 10X miles per dollar on hotels and rental cars booked through Capital One Travel portal
• 5X miles per dollar on flights booked through Capital One Travel
• 5X miles on Capital One Entertainment purchases (through Dec. 31, 2025)
• 2X miles on all other purchases

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

In addition to the annual $300 Capital One Travel credit and 10,000 anniversary bonus miles, the Capital One Venture X Card comes with airport lounge access for the primary cardholder and authorized users. One great feature of this card is that you can add up to four authorized users for free and each cardholder gets access to Priority Pass lounges, Plaza Premium Lounges and Capital One Lounges .

Other benefits include:

• Hertz Presidents Circle status (enrollment required)
• Global Entry/TSA PreCheck® application fee credit (worth up to $100)
• Cell phone protection
• Visa Infinite Concierge
• Rental car collision damage waiver (primary)
• Trip cancellation and interruption coverage
• Trip delay reimbursement
• Lost luggage reimbursement
• Extended warranty protection
• Return protection
• Purchase security

What's the difference between a pre-approval and a pre-qualification?

The terms pre-approval and pre-qualification both refer to the card issuers' pre-screening process that can help you determine whether you'll qualify for a credit card without a hard pull on your credit reports. Prequalified offers are typically initiated by consumers who want to check their approval odds, while preapproved offers are generally unsolicited offers from card issuers.

Does pre-approval or pre-qualification result in a hard credit pull?

Most credit card pre-approvals do not result in a hard pull of your credit. Some issuers require a Social Security Number (SSN) or the last four digits of your SSN to process a pre-approval, but this is generally done to verify your identity and shouldn't result in a credit check unless otherwise stated.

Does pre-approval guarantee approval?

If you qualify for a pre-approved credit card or receive a pre-screened offer in the mail, that does not guarantee you'll be approved. Your credit score, income and history with the card issuers are all taken into account, but won't be fully reviewed unless you submit a traditional card application.

Bottom line

Getting a pre-approved, pre-qualified or pre-screened credit card offer doesn't guarantee you'll get approved for the card if you apply. However, seeing whether you're pre-approved for a card offer is easy and typically doesn't require a hard credit pull. So it doesn't hurt to explore what offers you may qualify for.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best business credit cards for LLCs.

Our methodology

To determine which business cards offer the best value and pre-approval, CNBC Select analyzed the most popular credit cards available to U.S. consumers that also had a publicly available pre-approval or pre-qualification process at the time of writing. We compared each card on a range of features, including the annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees. We also considered additional perks, the application process and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the American Express® Gold Card, click  here .

For rates and fees of the   Discover it® Cash Back, click here .

For rates and fees of the Wells Fargo Active Cash® Card, click here .

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Global Entry renewal: A how-to guide

April 18, 2024 | 4 min read

If you’ve ever traveled abroad, you may be familiar with the Global Entry Program. It’s a Trusted Traveler Program (TTP) designed to get international travelers through airport customs checkpoints faster when they reenter the U.S.

Learn how to renew your Global Entry membership before it expires, how long renewal lasts and more.

Key takeaways

• Global Entry is a TTP administered by the U.S. Customs and Border Protection (CBP). 
• Membership in Global Entry lasts for five years; renewal extends it for another five years.
• You can renew your membership starting one year before it expires.
• Capital One Venture and Venture X cardholders can receive up to a $100 statement credit toward their Global Entry renewal.*

Earn 75,000 bonus miles

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What is Global Entry?

Global Entry is a TTP run by CBP. The program is designed to help expedite airport customs screening for travelers reentering the U.S. after traveling abroad. 

Benefits of Global Entry include helping members reduce wait times at security checkpoints and navigate airports more easily .

Global Entry membership is open to U.S. citizens, legal permanent U.S. residents, Mexican nationals, citizens of certain other countries and more. It’s available at dozens of airports in the U.S. and abroad.

Global Entry renewal requirements

Here are things to know about renewing your Global Entry membership.

• You can renew your membership starting one year before it expires. And if you submit a renewal application before your membership expires, you can use the program’s benefits for up to 24 months after the expiration date.
• You’ll need to submit a renewal application. You can complete your Global Entry renewal application and pay your renewal fee on the U.S. Department of Homeland Security (DHS) website.
• You may need to attend an in-person interview. An interview may be required once your renewal has been conditionally approved. But since this interview isn’t always necessary, be sure to check your account periodically for updates on next steps.

How to renew Global Entry

Here are specifics on the Global Entry renewal process.

1. Fill out the Global Entry renewal application

You can fill out your renewal application on the DHS website. Here are the steps:

• Sign in to your account on the TTP portal. If you don’t already have an account, you’ll be directed to create one.
• Select the option for Global Entry renewal and follow the prompts.
• Submit your renewal application.

2. Pay the Global Entry renewal fee

Once you’ve submitted your renewal application on the TTP portal, simply follow the prompts to pay your application fee.

When it comes to paying the renewal fee, there’s good news: Some travel credit card issuers reimburse cardholders for the fee. In fact, Capital One reimburses Venture and Venture X cardholders up to $100 for Global Entry fees every four years.

3. Complete your Global Entry renewal interview, if required

When you first apply for membership, you’ll typically be required to attend an in-person Global Entry interview with a U.S. Customs and Border Patrol officer. But an interview isn’t always required for renewal.

If you’re asked to attend a renewal interview, you can schedule it at a Global Entry enrollment center or at a major airport to coincide with your travel plans.

Global Entry renewal FAQ

Here are commonly asked questions about renewing Global Entry membership.

Can I renew my Global Entry pass online?

Yes. You can fill out your renewal application on the DHS website’s TTP portal. 

How long after Global Entry expires can you renew?

You can typically renew Global Entry starting one year before your membership expiration date. If you complete a renewal application before your membership expires, you can continue using Global Entry benefits for up to 24 months.

Does Global Entry renewal require an interview?

Not always. But if you’re asked to attend an interview, you can schedule it at a Global Entry enrollment center. A program known as Enrollment on Arrival also allows you to schedule your interview at a major airport to coincide with your travel plans.

Global Entry renewal in a nutshell

Global Entry is one of several U.S. government TTPs. Its goal is to help travelers get through customs screening faster when they land in U.S. airports after traveling abroad.

Capital One Venture and Venture X cardholders can receive up to a $100 statement credit toward their application fee or renewal fee every four years.

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• Journey Student Rewards from Capital One
• Deserve® EDU Mastercard for Students

Two solid options for students looking for the best credit card are the Journey Student Rewards from Capital One card and the Deserve® EDU Mastercard for Students card. MoneyGeek compares these two and breaks down their features to help you decide which is the right credit card for your needs.

Updated: March 19, 2024

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On This Page:

• Comparison Overview

Comparison Summary

Which card should you get.

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies .

Whether you are looking for your first credit card or searching for an additional card, it’s important to weigh your options well. Consider the features, fees and rewards to determine the best option suitable for your situation and needs.

This Journey Student Rewards from Capital One vs Deserve® EDU Mastercard for Students comparison aims to help you see what each credit card has to offer so that you can decide which is the better choice. Both cards offer unlimited cash back, no annual fees and no foreign transaction fees. That said, each card also has unique features.

• Journey Student Rewards from Capital One at a Glance
• Deserve® EDU Mastercard for Students at a Glance

Comparison Overview: Journey Student Rewards from Capital One vs. Deserve® EDU Mastercard for Students

• Journey Student Rewards from Capital One Deserve® EDU Mastercard for Students
• Has Annual Fee
• Has Balance Transfer Offer
• Has APR Offer
• Travel Rewards
• Hotel Benefits
• Airline Benefits
• Has Foreign Transaction Fee
• Recommended Credit Limited–Fair None–Poor

Journey Student Rewards from Capital One At a Glance

The Journey Student Rewards from Capital One card is a good option for students with limited to fair credit history. It has no annual fee or foreign transaction fees. Additionally, you can earn unlimited cash back at a 1% rate.

Best student credit card with up to 1.25% cash back

• up to 1.25% Cash Back Rewards Rate
• 29.99% Variable APR
• $0 Annual Fee
• Limited–Fair Recommended Credit

What are the pros and cons?

• Earn 1% cash back on all your purchases, with a jump to 1.25% cash back when you pay your bills on time.
• There is no annual fee or foreign transaction fee.
• After six months, Capital One will reexamine your credit profile to see if you are eligible for a higher credit line. This can give students more purchasing power and flexibility without opening another card.
• High APR on purchases
• Lack of robust benefits

Card Details

• Cardholders receive 1% cash back on all purchases.
• Pay your bill on time and receive a 0.25% cash back bonus on top of that.
• $0 fraud liability policy provides peace of mind.
• There are no foreign transaction fees, which is great for travelers.
• You have unlimited access to CreditWise from Capital One so you can check in on your credit profile at any time.
• There’s no cosigner required, although one may be helpful.
• When making purchases online, you can generate virtual card numbers so that your actual card number is kept private.

Disclaimer : We work hard to stay updated with the latest information, but card offers are always changing, and in some cases, the offer listed on our site may no longer be available.

Terms, rates and fees apply

Compare this credit card with other top-rated student credit cards.

Deserve® EDU Mastercard for Students At a Glance

The Deserve® EDU Mastercard for Students card is one of the best rewards cards specifically made for students. It can help you build your credit because the issuer doesn’t require a credit history for this credit card. Additionally, there is no annual fee.

If you travel frequently, you may also find having no foreign transaction fees as a great benefit. International students studying in the U.S. can also get this credit card since a Social Security Number (SSN) is not necessary when applying for this card. The card also offers 1% cash back on all purchases.

Best student cash back card for limited credit history

• 1% Cash Back Rewards Rate
• 23.99% Variable APR
• None–Poor Recommended Credit
• Earn 1% cash back on all your purchases
• There is no annual fee or foreign transaction fee
• You will have complimentary Amazon Prime Student for a year
• Complimentary cell phone protection when you use your card to pay your cell phone bill
• Do not need a Social Security Number (SSN) to apply
• Access to Mastercard Platinum benefits
• Students earn 1% cash back on all purchases.
• There’s no annual fee, nor are there foreign transaction fees.
• Cardholders receive Amazon Prime Student for one year.
• Cell phone protection (up to $600) is included when you pay your phone bill with your card.
• Mastercard Platinum benefits, such as rental car insurance, are included.
• Easy-to-use app helps you manage your account and pause access to your card if you misplace it — all on the go.

Disclaimer : Card offers are always changing, and in some cases, the offer listed on our site may no longer be available.

Compare this credit card with other student credit cards.

Knowing the differences between the Journey Student Rewards from Capital One card and the Deserve® EDU Mastercard for Students card can help you in your search for the best student credit card .

The best credit card varies per person. When deciding between Journey Student Rewards from Capital One or Deserve® EDU Mastercard for Students, you should consider your unique situation and needs.

Who Should Consider the Journey Student Rewards from Capital One ?

The Journey Student Rewards from Capital One card doesn’t have an annual fee, making it suitable for students looking to earn cash back. It’s also a great option for those who plan on traveling abroad.

Students looking to earn rewards on everyday purchases can find the Journey Student Rewards from Capital One card a good choice. It earns 1% cash back, which can grow into 1.25% if you pay your bills on time.

Students planning on traveling or studying overseas can enjoy no international transaction fees the card offers.

≫ More: Read Our Full Review

Who should consider the deserve® edu mastercard for students .

Depending on your situation, the Deserve® EDU Mastercard for Students card may be right for you. It’s a great option for international students studying in the U.S. and those looking for a beginner rewards card for students with no credit history.

International students who are currently studying in the U.S. can get the Deserve® EDU Mastercard for Students card without worrying about a SSN.

Students who are looking for a rewards credit card that is suitable for individuals starting their credit journey. The Deserve® EDU Mastercard for Students card accepts applications from people with no credit history.

The Deserve® EDU Mastercard for Students card offers a much better value than the Journey Student Rewards from Capital One card as it comes with cell phone protection, one year of Amazon Prime student and 1% cash back. While the Journey Student Rewards from Capital One card offers 0.25% higher cash back when you pay on time, the difference isn’t worth sacrificing the benefits offered by the Deserve card.

Other Helpful Decision-Making FAQs

MoneyGeek answers some frequently asked questions about the Journey Student Rewards from Capital One card vs. the Deserve® EDU Mastercard for Students card. Use the following information to compare the differences between the two and figure out which one is the best credit card for you.

Is the Journey Student Rewards from Capital One card better than the Deserve® EDU Mastercard for Students card?

The best credit card for you will depend on your situation and needs as a cardholder. Both the Journey Student Rewards from Capital One card and the Deserve® EDU Mastercard for Students card are good options for students looking for a cash back card. However, if you have no credit history, then the Deserve® EDU Mastercard for Students may be the better option.

Can you get the Journey Student Rewards from Capital One card if you have the Deserve® EDU Mastercard for Students card?

Yes, you can. Generally, you can get credit cards from different issuers.

Can you transfer points from the Journey Student Rewards from Capital One card to the Deserve® EDU Mastercard for Students card?

Neither of these cards earn points. As you earn cash back on each card, they will accumulate in their respective accounts.

Can you switch from the Journey Student Rewards from Capital One card to the Deserve® EDU Mastercard for Students card?

Yes. You can also have both cards simultaneously since these two credit cards are from different issuers.

What’s harder to get, the Journey Student Rewards from Capital One card or the Deserve® EDU Mastercard for Students card?

Applying for both credit cards can be done online. Complete the forms on the companies’ websites. The Deserve® EDU Mastercard for Students card offers pre-qualification. This isn’t possible for the Journey Student Rewards from Capital One card.

How much do you have to spend for the Journey Student Rewards from Capital One card vs the Deserve® EDU Mastercard for Students card to get the welcome bonus?

There are no welcome bonuses available on either card.

Still Not Sure About These Cards? Consider These Options

Both the Journey Student Rewards from Capital One card and the Deserve® EDU Mastercard for Students card offer cash back opportunities. They also have no annual fee or foreign transaction fees. However, if you’re looking for credit cards that offer other types of bonuses and benefits, consider a rewards credit card .

Learn more about credit cards in general

Best Business Credit Cards

Business vs. Corporate Credit Cards

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

• Capital One . " Journey Student Credit Card from Capital One ." Accessed January 6, 2022 .
• Deserve . " Deserve Credit Cards ." Accessed January 5, 2022 .

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All working AFK Journey codes and how to claim them

Hooray for free stuff!

Want to become even stronger in AFK Journey? These AFK Journey codes are all you need to jumpstart your road to having the best characters in the game.

AFK Journey is a free-to-play fantasy RPG game published by Farlight Games, and released on PC and mobile platforms.

In this game, you play different heroes as they take on an adventure in a fictional world filled with magic and otherworldly creatures.

If you have just downloaded the game and want to get in on the action, these AFK Journey codes can help you roll for the characters you need to progress.

All the AFK Journey codes

These codes give you various rewards such as diamonds and gold, which you can use to draw new characters or upgrade existing ones.

How to claim AFK Journey codes

You can redeem codes in-game. Here’s how to do it:

• Open the game and wait for the main interface to open.
• Click the three dots on the lower right side of the screen, and click on the gear icon on the lower right side of the screen once again.

• Click on the others tab, just below the squirrel character.
• Click on the promo code button beside the terms of service button.
• Enter the code to redeem your reward.

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Season 31: Season of the Forbidden Archives - Now Live

Sanctuary needs you to answer its call for aid in Season 31: Season of the Forbidden Archives. Starting on April 12 at 5 p.m. PDT/CET/KST , Nephalem can harness the power of Forbidden Archives theme, which first debuted with Season 20. For an in-depth look into what’s coming, read below.

Seasonal Journey

Season theme.

Season Cosmetic Rewards

Season Journey Rewards

Seasonal conquest, haedrig’s gift.

Patch 2.7.7 Notes

Season 31 is the Season of the Forbidden Archives. Many adventurers have come to learn the power that dwells within the ancient nephalem artifact, Kanai’s Cube. However, none understands this power better than the equally celebrated and reviled Horadrim, Zoltun Kulle. Kulle was able to unlock and harness the power of the Cube like none before, leveraging its power to siphon and archive the energies of powerful items. With Season 31, we explore the power Kulle might lend to your fingertips if his experiments went unchecked.

For the duration of Season 31, the slots in Kanai’s Cube that allow you to equip three additional Legendary powers will not be restricted to their usual categories. While normally a player can equip one power each from the Weapon, Armor, and Jewelry categories, Season 31 players can mix and match between all three! This might allow you to run two Weapon powers with one Armor power. Or perhaps you might choose to run three Amulet powers instead. The choice is yours, and we’re as eager as you are to experiment with the new build opportunities this creates!

Return to Top

Season 31 Cosmetic Rewards

Beginning with Season 17, we began re-introducing previous Seasonal rewards to make them available to players who may have missed them the first time around. For Season 31, this means awards originally available from Season 7 are returning to the Season Journey.

However, we know it’s nice to have something new to aim for if you’ve participated in previous Seasons. We’re bringing back End of Journey rewards as introduced in Season 17, with not one, but two new cosmetic rewards for those who complete the entirety of the Season journey. Feast your eyes upon the Valor Portrait Frame and Angelic Treasure Goblin pet !

In addition to the Helm and Shoulders slots of the exclusive Conqueror Set, you’ll be able to earn a series of portrait frames that embody the snowy, foreboding aura of the Eternal Woods. If you need a warm little pal to keep you cozy through your cold journeys, the Dream of Piers fiery nature should do the trick—when he’s not instilling night terrors in the local fauna.

If you’ve been diligently slaying demons for the past few Seasons and reached Conqueror in the Season Journey each time, you’ve surely accrued a few extra stash tabs. You’ll earn one additional tab each Season by finishing the Conqueror tier, up to a maximum of five :

• Guardian of Sanctuary: Finish a level 70 Nephalem Rift on Torment XIII within five minutes.
• Gem of My Life: Level three Legendary Gems to level 55.
• All I Do IS Win: Complete two Conquests this Season.
• Kill You: Kill Ghom at level 70 in under 30 seconds on Torment XIII difficulty.
• Money Ain’t A Thang: Slay Greed on Torment XIII difficulty.
• Take U There: Reach Greater Rift level 60 Solo.
• Power Amplification: Use Kanai’s Cube to augment an Ancient Legendary item with a level 50+ gem.
• Cubic Reconfiguration: Use Kanai’s Cube to reforge a Legendary item.

Want to prepare your Conquest plan for Season 31? Here are the challenges you’ll face! Returning for Season 31 is Sprinter/Speed Racer , where you’re challenged to complete the entire Diablo III campaign from Act I to Act V at level 70 in under 1 hour! Next is Avarice/Avaritia , where all that glitters is gold—that is, if you can complete a 50 million gold streak outside of The Vault or its Inner Sanctum. On a Good Day/I Can’t Stop encourages you to upgrade your Legendary Gems; level three Legendary Gems to 65 to complete this challenge! Push your way to Greater Rift level 75 to complete Divinity/Lionhearted. Lastly, a fan-favorite for those who enjoy unconventional builds, The Thrill/Superhuman requires completion of a Greater Rift level 45—solo and without any Set items equipped.

Finally, the Class Sets rewarded for completing certain chapters in the Season Journey courtesy of Haedrig’s Gift have rotated once more. We’ve listed the available Sets below. For those new to Seasons, here’s how it works:

Completing Chapters 2, 3, and 4 of the Season Journey will reward you with three of Haedrig’s Gifts. Each Gift contains a few pieces from one of your Class Sets. Players can only unlock one Class Set in this manner per Season across Hardcore and Non-Hardcore, so choose wisely!

The set you receive depends on the class of the character you’re playing when you open each Haedrig’s Gift. To collect a full Class Set, you’ll need to open all three on the same character.

Here are the sets granted by Haedrig’s Gift in Season 31:

• Barbarian – Wrath of the Wastes
• Crusader – Roland’s Legacy
• Demon Hunter – Unhallowed Essence
• Monk – Raiment of a Thousand Storms
• Necromancer – Bones of Rathma
• Witch Doctor – Helltooth Harness
• Wizard – Tal Rasha’s Elements

Patch 2.7.7 | Game Updates

• Updated Logos for KR Age Restriction from 18 years of age to 19 years of age.
• Extra progress orb drops from the Soulshard Stain of Sin now works for Challenge Rifts.
• Extra progress orb drops from the Soulshard Stain of Sin and Altar of Rites node Reaper now only drops from monsters inside Nephalem Rifts, Greater Nephalem Rifts, and Challenge Rifts.

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Capital one walmart rewards mastercard review: earn up to 5% cash back when shopping at walmart.

Walmart is a popular store for people who want good value without spending a lot of money. Its everyday low prices help consumers stretch their budget when buying groceries, household items, gas, and more.

The Capital One Walmart Rewards® Mastercard® provides even more opportunities to maximize your spending with cash-back rewards of up to 5% on your purchase without paying an annual fee. Learn more about the Walmart Mastercard, including how to earn and redeem rewards, who it’s best for, and alternative credit cards to consider.

Capital One Walmart Rewards Mastercard

Annual fee : $0

Welcome offer : Earn 5% cash back in Walmart stores for the first 12 months when paying with your card using Walmart Pay

5% cash back at Walmart.com

2% cash back in Walmart stores and fuel stations, at restaurants, and on travel purchases

1% on everything else

The Capital One Walmart Rewards credit card charges a variable APR on purchases and quick cash transactions of 19.48% or 29.99%, depending on your creditworthiness. When you pay off your balance in full each month, you’ll have a grace period of at least 25 days from your statement closing date before interest begins accruing.

Balance transfers also carry an interest rate of 19.48% or 29.99% variable APR. If you request a balance transfer, the fees are waived when the standard balance transfer APR applies. Occasionally, this card may be eligible for a promotional APR on balance transfers. When a transfer is eligible for a promo APR, there is a balance transfer fee of 3% of the transaction amount.

Cardholders can access the Walmart credit card for cash advances . These transactions have a variable APR of 29.99%, and interest charges start accruing immediately. Additionally, there is a cash advance fee of 3% of the transaction amount (minimum $3).

The Capital One Walmart Rewards Mastercard comes with a $0 annual fee . Without that cost, the Walmart credit card is a card you can keep year after year to build a credit history, even if you don’t use it regularly.

Welcome offer

This credit card does not have a traditional welcome bonus offer . Instead, you’ll receive 5% cash-back rewards on in-store Walmart purchases during the first 12 months after opening your account.

Intro offer

This card doesn’t include an intro APR offer on purchases or balance transfers.

Rewards rate

5% cash back at Walmart.com, including pickup and delivery

2% cash back in Walmart stores and fuel stations

2% cash back at restaurants

2% cash back on travel

1% cash back on all other purchases

How to earn rewards

Walmart purchases.

Whether you’re shopping online or in-store, you’ll earn bonus cash back on Walmart purchases. To earn the highest cash-back rate of 5%, you must order online at Walmart.com. You can have your purchases delivered or pick them up at your local store.

When shopping in person, you’ll earn 2% cash back at Walmart stores and fuel stations.

For the first 12 months after opening your account, your cash-back rewards on in-store purchases are increased to 5%. To earn this bonus cash back, link your card to the Walmart Pay app and use the app to pay at checkout.

While this limited-time offer isn’t a traditional bonus offer, the amount of bonus cash back you’ll earn depends on how much you spend at Walmart stores. There is no cap on earnings, and you don’t have to register ahead of time.

Bonus categories

In addition to earning bonus cash back on Walmart purchases, you’ll also earn 2% cash back at restaurants and on travel purchases . These bonus categories allow you to earn extra cash back when dining out or booking flights, hotels, rental cars, and other travel reservations.

Everyday purchases

You’ll earn an unlimited 1% cash back on all other purchases. This allows you to continue earning rewards on your spending that doesn’t qualify for bonus cash back.

How to redeem rewards

The cash-back rewards earned with the Capital One Walmart Rewards Mastercard can be redeemed in multiple ways. Rewards don’t expire for as long as the card remains open and in good standing.

Redeem for cash . Get a check mailed to your home or receive a statement credit to reduce your balance. Keep in mind that statement credits don’t cover your monthly minimum payment.

Use at checkout . When shopping at Walmart.com, you can redeem cash-back rewards to cover some or all of your purchases.

Buy gift cards . Redeem rewards for gift cards to Walmart and other popular retailers.

Book travel . Book flights, hotels, and more through the Capital One travel portal and use your cash back to pay for some or all of your trip.

Additional benefits

This card doesn’t include additional perks and benefits that many competing credit cards offer. Benefits like purchase protection or extended warranty coverage that cover your purchases against unexpected problems are missing from the Walmart Rewards Mastercard.

Who is the Capital One Walmart Rewards Mastercard best for?

The Walmart Rewards Mastercard is an ideal credit card for people who frequently shop at Walmart. It allows them to earn cash-back rewards on online or in-store purchases without spending caps or quarterly promotions. Cardholders can maximize cash back rewards by shopping online to pick up purchases at the store or have them delivered.

Read more: Target Circle 360 vs. Walmart+ and Amazon Prime

Capital One Walmart Rewards Mastercard pros

Earns up to 5% cash back without spending caps

No annual fee

Intro offer earns elevated cash back on in-store purchases

Card is instantly available to make purchases within the Walmart app

Capital One Walmart Rewards Mastercard potential cons

In-store purchases at Walmart don’t qualify for the highest rewards

Doesn’t include a traditional welcome bonus

Lack valuable perks, like purchase protection or extended warranty coverage

Where can you use Capital One Walmart Rewards Mastercard?

Customers can use the Capital One Walmart Rewards credit card anywhere Mastercard is accepted. Mastercard is one of the most widely accepted credit cards globally, so it’s an excellent choice to make purchases in the U.S. or abroad. Like other Capital One credit cards, the Walmart Rewards Mastercard does not charge foreign transaction fees, so you won't be charged hidden fees when making purchases outside the U.S.

With its Walmart branding, this card is best suited for Walmart purchases online and in-store. Additionally, you’ll earn bonus cash back when buying fuel at Walmart, at restaurants, and on travel.

How to make a Capital One Walmart Rewards Mastercard payment

Make payments online at CapitalOne.com

Use the Capital One mobile app ( Apple , Google )

Payments over the phone at (800) 227-4825

Mail payments to: Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083

Make payments at a Capital One ATM or branch location

Capital One Walmart Rewards Mastercard customer service info

Customer service is available 24/7

Phone number: (800) 227-4825

Capital One Walmart Rewards Mastercard login page

Alternative cards to consider

The Capital One Walmart Rewards credit card is an excellent choice for people who shop at Walmart for groceries, household items, or gas. But if you want to earn bonus rewards in these categories outside of Walmart, here are some other options.

American Express® Gold Card

Why we like it : The Amex Gold Card is an excellent choice for people with large grocery budgets. This card earns 4x points on the first $25,000 you spend on groceries at U.S. supermarkets each year. It also earns 4x at restaurants worldwide, 4x on takeout and delivery within the U.S., and 3x on flights booked directly with airlines or through Amex Travel.

Although it has a $250 annual fee, the card includes a $120 dining credit and $120 Uber Cash each year. Points can be used to get cash back, book travel, buy gift cards, and more. However, their highest value tends to come when transferring to airline and hotel partners. (See rates and fees .)

Capital One SavorOne Cash Rewards Card

Why we like it : The Capital One SavorOne Card is the ideal card for people who want to earn rewards on groceries at any supermarket without paying an annual fee. It earns an unlimited 3% cash back on groceries, dining, entertainment, and streaming services without spending caps. You can also earn 5% cash back when booking travel through Capital One Travel.

If you need extra time to pay off your purchases or existing debt, the card includes a 0% intro APR offer on purchases and balance transfers for 15 months. For a limited time, it also includes 10% cash back on Uber purchases and a complimentary Uber One membership through November 14, 2024.

Amex EveryDay® Preferred Credit Card

Why we like it : People who use their credit card frequently will love the American Express EveryDay Preferred credit card . Not only will you earn 3x points on U.S. supermarket purchases (up to $6,000 per year), 2x at U.S. gas stations, and 1x on everything else, but you'll also get a 50% bonus each month you use the card at least 30 times.

New cardholders can take advantage of the card's 0% intro APR offer on purchases and balance transfers for 12 months from the date of account opening, then a variable APR of 18.24% to 29.24%. (See rates and fees .)

While this card has a $95 annual fee, and it earns flexible points that can be redeemed for cash back, travel, gift cards, online shopping, and more. They also transfer to Amex's airline and hotel partners to book award travel.

This article was edited by Alicia Hahn

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers.

• Reinsurance

Press Release

AXIS Appoints Pauline Morley as Head of E&O in the US

PEMBROKE, Bermuda, April 18, 2024 – AXIS Capital Holdings Limited (“AXIS Capital” or “AXIS” or the “Company”) (NYSE: AXS) today announced the appointment of Pauline Morley as Head of E&O in the US, effective immediately.

Reporting to John Van Decker, Head of Global Financial Lines, Ms. Morley will lead the growth and advancement of the AXIS offering in the professional liability market, aligned with the Company’s position as a leading specialty insurer.

“Pauline brings extensive E&O expertise in addition to proven leadership skills that are integral to building on our position in the professional liability market. She will help shape the direction of our portfolio by deepening our existing broker relationships, pursuing additional sectors for profitable growth, and bolstering our existing underwriting strength,” said Mr. Van Decker. “Pauline joins AXIS at an important moment in our journey as we continue to target new opportunities and elevate our specialty insurance solutions in the E&O market.”

Ms. Morley joins AXIS with more than 35 years of professional liability underwriting and leadership experience, having held senior positions at Western World Insurance Group, Travelers, HCC, and USI. Most recently, she served as Senior Vice President, Miscellaneous Professional Liability and Architects & Engineers Liability at Argo Pro.

About AXIS Capital

AXIS Capital, through its operating subsidiaries, is a global specialty underwriter and provider of insurance and reinsurance solutions. The Company has shareholders' equity of $5.3 billion at December 31, 2023 and locations in Bermuda, the United States, Europe, Singapore and Canada. Its operating subsidiaries have been assigned a financial strength rating of "A+" ("Strong") by Standard & Poor's and "A" ("Excellent") by A.M. Best. For more information about AXIS Capital, visit our website at  www.axiscapital.com . Follow AXIS Capital on  LinkedIn  and  X Corp .

Investor Contact Cliff Gallant AXIS Capital Holdings Limited [email protected] +1 415 262 6843

Media Contact Mairi MacDonald AXIS Capital Holdings Limited [email protected] +44 7785 280 083