Journey Student Rewards from Capital One Credit Card 2024 Review

Bio photo for Rebecca Lake

As a college student, you can build good credit while you also get a little money back on your spending.

The Journey Student Rewards from Capital One credit card is designed for young adults who have average credit and want to earn a little cash back.

This card offers cash back rewards , along with some useful tools that can help you obtain a good credit rating over time.

You have an opportunity to increase your credit line with responsible card use and track your credit score each month for free.

It has no annual fee , which is good for budget-conscious students. There’s also no foreign transaction fee , which is a plus if you’re planning to study abroad.

Capital One Journey Student Rewards Card Pros & Cons

  • Earn 1% cash back on all spending
  • Credit line increase in as little as 6 months
  • No foreign transaction fees
  • No annual fee
  • High regular APR

Simple, Convenient Cash Rewards

If you’re a broke college student, you know that a penny saved is a penny earned. The makes it fairly easy to add to your savings as you spend.

This card offers a flat 1% cash back rewards rate on every purchase. That means you get 1% back whether you’re booking a flight home, buying textbooks or picking up the tab for pizza with friends.

There’s no cap on cash back earnings . The more you spend, the more you get back.

For example, if you charge $500 a month to the card, that’s $60 a year in cash back you’ll earn. Double that to $1,000 a month in purchases and you bump your cash back up to $120 per year.

Get a cash back boost when you pay on time

Paying your credit card bill on time is a must if you want to grow your credit score. Thirty-five percent of your FICO credit score is based on payment history. (Your FICO score is the one that most lenders use for approval decisions.)

FICO Credit Score Factors and Their Percentages

Paying on or before the due date each month can help your score and it can put even more money back in your pocket. When you pay on time, Capital One increases your cash back rewards rate to 1.25% .

That means if you charge $500 every month and pay on time, you’ll earn $75 a year in cash back instead of $60. That’s a nice incentive to keep track of your due dates each month.

Tip: If you’re worried about your credit taking a hit because of a late payment, set up automatic payments so you’ll never have to worry.

Redeeming cash back rewards

Redeeming cash back with this card is just as easy as earning it.

You can apply your cash back rewards as a statement credit, reducing what you owe. Or, you can ask for a check to be mailed to you. That way, you can use your cash back rewards any way you like.

To make the process virtually hassle-free, Capital One allows you to schedule automatic redemptions.

For example, you can request a statement credit or check once you hit a certain amount of cash back or at a specific time each year.

Access Your Credit Score and Other Financial Tools for Free

The Journey Student credit card is meant for students who have decent credit and want to take their score to the next level. The card comes with several tools that students should find useful.

For example, CreditWise is included with your account. CreditWise is Capital One’s free credit tracking service .

Each month, you’ll be able to see your TransUnion credit score , which is based on the information in your TransUnion credit file.

This tool also breaks down how certain factors affect your credit score. For example, you’ll be able to see:

  • What percentage of your payments are being made on time
  • The age of your oldest credit account
  • What percentage of your total credit limit you’re using
  • How many recent inquiries you’ve had for new credit
  • The number of new accounts opened in the last two years
  • How much available credit you have

CreditWise includes a simulator tool that you can use to see how taking certain actions would raise or lower your score.

For example, paying your bills on time and paying down your debt would generally work in your favor. Taking on a new loan or maxing out one of your credit cards, on the other hand, could drag your score down.

Increase your credit line when you pay on time

Paying on time can step up your cash back rewards rate and it can help you in another way.

If you make your first six monthly payments on time, you could be eligible for a higher credit line. This is good for two reasons.

First, a higher credit line means more spending power. If you need to cover a large purchase, like an overseas trip, you may not have to resort to loans or borrowing from your payments to pay for it.

The other advantage is linked to your credit score . Thirty percent of your FICO score is based on your credit utilization. This is the amount of debt you’re carrying compared to your overall available credit line.

When you have a higher credit limit but you’re keeping your utilization low, that reflects positively on your score.

If you’re not sure how much of your credit is safe to use, aim to keep your utilization at 30% or less to avoid putting your score at risk.

Tip: Set up an account alert to notify you when your balance hits a certain amount so you know how much of your credit limit you’re using.

Learning Center to Upgrade Your Money Skills

Figuring out how to manage debt and credit in your 20s can be tough. Capital One offers some helpful resources to get you started. The Financial Education Center features tips on things such as:

  • Using credit responsibly
  • Understanding your credit score
  • Saving money
  • Creating a budget
  • Managing your bank account
  • Preparing to buy a home

The more you know about using credit, saving your extra pennies and keeping debt in check, the better.

Enjoy MasterCard Benefits

The Journey Student Rewards from Capital One is a MasterCard. That means you get some sweet extras just for being a member.

For example, the card comes with:

  • 24-hour travel assistance services
  • Travel accident insurance
  • Auto rental collision damage waiver
  • Extended warranty protection

Those features can come in handy if you’re traveling or you want some extra peace of mind about the things you buy.

Watch Out for the Regular APR

One thing to keep in mind with this card is the annual percentage rate . The regular variable APR for purchases and balance transfers is on the high side .

Even though there’s no annual fee, this card could cost you big bucks in interest if you’re carrying a balance from month to month. The interest you’re paying could outweigh the value of the cash back you’re earning.

What Else Does Capital One Have to Offer?

This card is appealing for building credit but there are some other Capital One cards that can help you achieve that same goal.

Take a look at how the following three cards compare:

Capital One Platinum Credit Card

The is another option for people with average credit who want to improve credit. This card isn’t limited only to students.

One key difference between this card and the Journey Student Rewards from Capital One is the lack of a rewards program . You won’t get any cash back or points with this one.

If your primary focus is improving your credit, that may not be a huge drawback. You won’t pay an annual fee for this one either.

Read Capital One Platinum Credit Card Editor's Review

Capital One Platinum Secured Credit Card

Getting a credit card when you have no credit at all is challenging. The is an alternative for students who are credit newbies.

With this secured card, you put up a cash deposit to open an account.

The minimum deposit is $49, $99 or $200 , based on creditworthiness. The initial credit line is $200 but you can add more cash to the card to increase that the credit line.

Again, there are no rewards with this card. It’s designed to be a tool for building or rebuilding credit. If you’re able to raise your score, you could switch over to a Capital One rewards card in the future.

Capital One QuicksilverOne Cash Rewards Credit Card

The  offers unlimited 1.5% cash back on every purchase.

The card has a $39 annual fee .

Students who don’t mind the fee may get a bit more mileage out of this card in terms of the cash back.

Your best bet with this one is to pay your balance in full each month to avoid the interest charges.

Read QuicksilverOne from Capital One Editor's Review

For Students to Earn Simple Cash Back and Build Credit

The pairs cash back with the potential to achieve a higher credit score.

This card may not be the best for students who have no credit at all or prefer points or miles to cash rewards.

Ultimately, the card is ideal for students with established credit who want to earn simple cash back with no annual fee.

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Journey Student Rewards from Capital One review

Journey Student Rewards from Capital One review

Written by: Robin Ratcliff

In a Nutshell:

The Journey Student Rewards from Capital One is no longer available.

The Journey Student Rewards from Capital One has some great features to teach good credit management, but it’s weighed down by a high interest rate.

Other Notable Features: Bonus rewards for paying on time, credit tracking tools, credit line increase, no foreign transaction fee

With the Journey Student Rewards card, Capital One has designed a program for students geared to reinforce good credit habits, offering tools and incentives unmatched by any other student card. It is one of the best student cards for establishing good credit practices, although it falls short in other areas.

Motivates you to pay on time

Capital One provides some serious incentives for meeting your payment deadline. One of these is the CreditWise, which allows you to follow the progress of your credit score as you make or fail to make payments. After six months of timely payments, you’ll automatically be considered for a credit line increase. And then there’s a 25 percent increase to your cash back rewards every time you make the deadline. Capital One also allows you to set email and text alerts, to ensure that you don’t forget your deadline.

Cash back rewards are OK

On top of this, Capital One offers a cash-back program with a decent, if not stunning, rewards rate. You get 5 percent back on hotel and rental card bookings made through Capital One Travel as well as 1 percent back on all other purchases, a flat base rate you can boost to 1.25 percent if you make your payments on time. Rewards are also very flexible – you can redeem any dollar amount at any time. The overall value of the program is a drawback, however. Capital One falls short of other cash-back cards for students. Several cards offer large sign-up bonuses and a much higher rewards rate, thanks to rotating bonus categories.

The APR is high

The interest rate on this card is its biggest detractor. At 29.99% variable, it’s one of the highest among the student cards we reviewed. While we laud them for offering good credit management tools, we are less enthused about the high interest rate, since first-time cardholders are prone to missing payments and carrying balances. Also, there’s no introductory APR, which means cardholders are beholden to a high rate from the get-go.

This leaves us with mixed feelings about this card. We like that the card provides a strong set of incentives for good credit management, but we think the value of the card could be better. Aside from the high APR, the rewards program leaves something to be desired. We would recommend this card to first-time cardholders who are seeking to learn good credit habits with a card that contains a lot of user-friendly payment features – the value of the cash back program should be a second thought.

Is the Journey Student Rewards card worth it?

Why get the Journey Student Rewards card?

  • You’re a frequent traveler who will benefit from the travel perks, including the lack of a foreign transaction fee.
  • You want a card with a long list of features and perks.
  • You want a card that rewards you for having good spending practices.
  • You want a simple, straightforward card that will help you build a strong credit history with responsible use.

How to use the Journey Student Rewards card:

  • You can transfer a balance with no fee, but we wouldn’t recommend it due to the high APR ($0 balance transfer fee at the Transfer APR).
  • Make your payments on time to earn extra rewards points and increase your credit limit.
  • Use the text and email alerts to stay on top of your due dates.

All information about the Journey Student Rewards from Capital One has been collected independently by CreditCards.com and has not been reviewed by the issuer.

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Whether you’re a beginner in the world of credit, looking to repair your credit score , or are new to the U.S., here’s a credit card just for you.

The Journey Student Rewards from Capital One (no longer available) is for those with average credit. It’s an infinitely better option than using a debit card, like some tend to do when their credit is less than perfect, because it will help you to qualify for better cards later!

However, if you already have good credit, this is not the card for you. I’ll give you a quick review of this card, and help you decide if it’s for you.

journey card capital one

Capital One Journey Student Credit Card review

Current bonus.

This card doesn’t currently offer a welcome bonus.

Benefits and perks

The first credit card many people open is a starter card from Capital One. My wife was one of those people. The card wasn’t anywhere close to the best available, but it helped her to build her credit for better cards! She later upgraded it to a Capital One Venture Rewards Credit Card.

Similarly, the Capital One Journey Student card is for anyone with average, fair, or limited credit. You do not have to be a student to open this card.

According to Capital One, a fair credit score is anywhere between 580 and 669. If your credit score is equal to or greater than this, you should be eligible for this card.

Here’s what you’ll get with the Capital One Journey Student card:

  • 1% cash back on all purchases
  • Extra 0.25% cash back for paying bills on time
  • No foreign transaction fees
  • No annual fee

It’s interesting to note that this card will give you 25% more earnings for paying your bills on time. That’s a nice feature, and a decent incentive to be responsible with the card.

I also really like that this card waives foreign transaction fees. That’s probably why the card is branded with the word “journey” — because you can take it abroad. This is a great card for students who take international trips. Waived foreign transaction fees used to be a rare feature for a card with no annual fee, but it’s becoming more common, which is great news.

If you don’t have a no-annual-fee credit card , you should. They’re critical to maintaining a fantastic credit score when you’re opening as many cards as we in the miles and points hobby do!

Who is this card for?

Any miles and points enthusiast will tell you this is not the optimal card for getting free travel. There are plenty of no-annual-fee cards which earn more rewards — and most of them come with a generous welcome bonus!

However, if you’re still establishing credit, this is an excellent card for you. It’s easier   to be approved for, and it’s a good card to help you build your credit. As long as you use your credit card responsibly by paying your bills on time and in full, your credit score will increase, and you’ll qualify for the best travel credit cards in no time.

However, if you already have a good credit score and are just beginning your miles & points journey , this isn’t a good card for you. There are other much more valuable credit cards with big welcome bonuses, improved travel benefits, and higher returns for spending. If your credit score is 700+, applying for this card first can decrease your chances of being approved for those other cards later .

Note: Capital One pulls your credit score from all three main credit bureaus, giving you three hard inquiries on your report. Hard inquiries cause your credit score to temporarily dip, and too many hard inquiries can make it harder to be approved for future credit cards and other loans.

Bottom line

The Capital One Journey Student card is marketed towards students, but it’s for many more folks, too! If you need a card to strengthen your credit, this could be a great option for you. It’s for anyone with average credit, so it’s relatively easy to be approved for. Plus, it will help you qualify for better travel cards down the road.

Again, do NOT apply for this card if you already have above average credit. Opening this card might prevent you from opening up certain credit cards that are much more rewarding.

Let me know if you’ve got experience with the Capital One Journey Student! And subscribe to our newsletter for more posts like this delivered to your inbox once per day.

Million Mile Secrets

Contributor

Million Mile Secrets features a team of points and miles experts who have traveled to over 80 countries and have used 60+ credit cards responsibly to accumulate loyalty points and travel the world on the cheap! The Million Mile Secrets team has been featured on The Points Guy, TIME, Yahoo Finance and many other leading points & miles media outlets.

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Why I got the Wells Fargo Autograph Journey Card — and how I plan to use the welcome bonus

Nick Ewen

As a seasoned traveler, I'm always on the lookout for new credit cards that fit my lifestyle — especially when they fill gaps in my wallet. While a hefty welcome bonus is (obviously) appealing, there's so much more to picking a great travel card.

And recently, I added a terrific card to my portfolio.

Here's why I applied for the new Wells Fargo Autograph Journey℠ Card (see rates and fees ) — plus how I'm thinking about using the card's welcome bonus once it hits my account.

Read more: Wells Fargo Autograph Journey Card review

A new transferable currency

Earlier this year, Wells Fargo officially burst onto the scene of transferable credit card currencies. We'd known it was coming since December 2023, but when the Autograph Journey Card launched, it marked the first time that Wells Fargo customers gained access to airline and hotel transfer partners with one of its own cards. When used strategically, transfers can allow you to get incredible value from your points and miles by leveraging sweet spots in the partner programs.

But even if you're not ready to learn about these optimization opportunities, there's another key feature of the Wells Fargo Rewards program (and a reason to get the Autograph Journey Card): You can use the rewards easily at a value of 1 cent each to offset charges on the card.

Other issuers peg different values to their rewards currencies depending on the redemption type. In some cases, this drops the value of each point or mile to 0.7 cents or even 0.5 cents.

Not Wells Fargo.

Each direct redemption with Wells Fargo Rewards results in a value of 1 cent per point. You can use your points as credits on eligible accounts or to offset eligible purchases on the card. You can opt for gift cards, travel, merchandise or even online shopping via PayPal, all at the same rate of 1 cent per point.

I usually lean toward transfer partners when redeeming my points, but it's awesome to have the flexibility to cover purchases or book travel without worrying about getting poor value from my rewards.

Earning rates

journey card capital one

Another appealing feature of the Wells Fargo Autograph Journey Card is its valuable set of earning rates. When I use my card, I earn:

  • 5 points per dollar spent on hotel purchases
  • 4 points per dollar spent on airline purchases
  • 3 points per dollar spent on other travel purchases
  • 3 points per dollar spent on restaurant purchases
  • 1 point per dollar spent on other purchases

Given Wells Fargo's transfer partners , you could think of this as earning 5 British Airways Avios per dollar spent at hotels or 4 Avianca LifeMiles per dollar spent on airfare, assuming you ultimately transfer your points to those programs.

The best part of the top two categories is that there's no requirement to book through a specific portal or site. Many other rewards cards increasingly force you to book through the issuer to access elevated rates — but I can go directly to my preferred hotels and airlines with the Autograph Journey Card.

The card also incurs no foreign transaction fees (see rates and fees ), which made it a perfect companion for a recent trip to the Mediterranean.

Added perks (and discounts)

journey card capital one

But the card doesn't just include terrific rewards. You'll also unlock an array of additional perks and have access to targeted discounts through My Wells Fargo Deals.

For example, you'll receive a $50 annual statement credit with a $50 minimum airline purchase. Unlike with other popular cards, this doesn't apply to a single airline, and it's not limited to certain types of extra fees. Just make at least $50 in purchases with airlines and you'll get a $50 credit applied to the card.

Shortly after I was approved for the card, I needed to book a flight for a summer trip. I had an existing credit with that airline that covered part of the ticket, but I had $97.20 left to pay. I charged this to my Autograph Journey Card, and two days later, I had $50 credited to my account (note that it could take one or two billing periods for this credit to appear).

I also earned 4 points per dollar spent on this purchase.

Another nice surprise came quickly after the card arrived. That's when I was able to access my online account — and the My Wells Fargo Deals page. Many popular merchants offer discounts on purchases when you activate offers and use the card. In fact, I was able to earn statement credits worth a total of $58.17 on three transactions I was already making during my first month of card membership. These transactions included two hotel stays and a Lyft ride. I earned the statement credits just by activating the offers and paying with my Autograph Journey Card.

When you add in the $50 statement credit, I've already more than covered the card's $95 annual fee in benefits (see rates and fees ) in less than two months—and without going out of my way to do so.

In addition, the card carries a number of benefits when shopping or traveling. These include:

  • Cellphone protection : If you charge your monthly wireless bill to the card, you'll enjoy up to $1,000 per claim in reimbursement (up to $2,000 every 12 months) to repair or replace your phone if it's damaged or stolen (subject to a $25 deductible).
  • Trip cancellation and interruption coverage : If you charge a common carrier ticket to your card, use rewards or use a combination of the two, you're eligible for reimbursement for nonrefundable trip expenses if you need to cancel or interrupt your trip for a covered reason (up to $15,000 per covered traveler, per trip and a $20,000 maximum per 12-month period, per account).
  • Auto rental collision damage waiver : You can be reimbursed up to $50,000 for theft or damage to your rental car when you use your Autograph Journey Card (or your rewards) and decline the car rental company's insurance. This coverage is even primary outside the U.S., meaning you won't need to first submit a claim to any other insurance provider.

While I hope I'll never need to use any of these coverage benefits, it's great to know that they're available if things go wrong during a trip.

Getting and using the 60,000 bonus points

journey card capital one

Of course, a key reason why I opted to get the Wells Fargo Autograph Journey Card is the welcome bonus. If you apply (and are approved) for the card, you can earn 60,000 bonus points when you spend $4,000 on purchases in the first three months. This was a relatively easy spending threshold to hit, requiring an average of just $1,333.33 per month over the first three months.

So, how do I plan on using that bonus?

Not surprisingly, I'm already exploring point transfer options with Wells Fargo's solid slate of airline and hotel partners. While award travel prices will naturally ebb and flow over time, the current redemptions I found include:

  • Transferring to British Airways Executive Club to book nonstop American Airlines flights : Since I'm based close to Miami, I have a lot of great options for visiting the Caribbean, Central America and South America. For example, I could book round-trip flights to Belize over a long weekend in January 2025 for just 32,000 Avios plus $98.40 in taxes and fees. The welcome bonus plus the points I'll earn from spending on the card means I could book this itinerary for me, my wife and my daughter.
  • Transferring to Iberia Plus to book a nonstop, off-peak, business-class flight : Another terrific redemption option from Miami International Airport (MIA) is a business-class flight to Adolfo Suárez Madrid-Barajas Airport (MAD) for 42,500 Avios. I have booked this flight multiple times using Avios, and it remains one of the most cost-effective ways to get from the U.S. to Europe in a lie-flat seat.
  • Transferring to Air France-KLM Flying Blue to book a business-class flight : Air France and KLM offer several itineraries from the U.S. to Europe. Business-class seats on one of these routes start at just 50,000 miles, making the Flying Blue program a terrific way to book a flight that would otherwise cost thousands of dollars.

These options don't even factor in all of the points I've earned (and will continue to earn) via spending on my card. By the time the year is out, my Wells Fargo Rewards points balance may be approaching six figures.

Regardless of how I ultimately redeem these points, one thing is certain: This new pot of transferable points is really going to help my future vacation planning.

Bottom line

As TPG's senior editorial director, I always find new credit card launches exciting, as they present new ways to meet the rewards travel wants and needs of the TPG community.

But the Wells Fargo Autograph Journey Card is more than just a new card on the market. It represents a brand-new opportunity to earn transferable rewards with a slew of added perks to sweeten the deal even further.

I've been thrilled with the earning rates and discounts I've already received. The points I've earned (plus my 60,000-point welcome bonus) will be a major help in booking my family's upcoming trips.

If you're looking for a great new travel credit card with a low annual fee and flexible redemption options, you really can't go wrong with the Autograph Journey Card.

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Wells Fargo Autograph Journey Card vs. Chase Sapphire Preferred Card [Detailed Comparison]

Table of Contents

Wells fargo autograph journey card vs. chase sapphire preferred card — overview, the value of a welcome offer, earning potential, redemption options, travel protections and benefits, shopping protections and benefits, annual fees and authorized users, final thoughts.

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For those seeking their first travel rewards card, the Chase Sapphire Preferred ® Card tops our list of recommended cards. The card offers a strong earning structure, flexible redemption options, and a respected collection of travel insurance benefits.

The Chase Sapphire Preferred card, while one of our top picks, does take on several card challengers. Today’s card comparison choice was a likely candidate for one of those challenges.

Like the Chase Sapphire Preferred card, the Wells Fargo Autograph Journey℠ Card earns flexible rewards points and includes several travel insurance benefits.

Will the Chase Sapphire Preferred card reign as our top-choice travel rewards card? In today’s article, we’ll investigate how card attributes compare and, ultimately, determine which card may be better for your situation.

We’ll expand on the details of the Wells Fargo Autograph Journey card and Chase Sapphire Preferred card next.

First, looking at a side-by-side overview of all the features and benefits of each card can be helpful.

The Wells Fargo Autograph Journey card and Chase Sapphire Preferred card present the opportunity to earn a welcome bonus offer after card approval.

A welcome bonus offer can be earned by meeting minimum spending requirements within the specified period. It’s a chance to earn a large amount of rewards in a short time .

Welcome offers can vary, so you’ll want to review the most current offer before applying.

Wells Fargo Autograph Journey℠ Card

A powerful point earning card with access to transfer partners.

The Wells Fargo Autograph Journey SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual credit towards airfare, and no foreign transaction fees ( rates & fees ).

  • 5x points on hotels
  • 4x points on airfare
  • 3x points on other travel and restaurants
  • $95 annual fee
  • List of transfer partners is smaller than competing programs
  • Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
  • Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  • $95 Annual Fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature ® Concierge.
  • APR: 21.24%, 26.24%, or 29.99% Variable APR
  • Foreign Transaction Fees:  None

Chase Sapphire Preferred® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
  • APR: 21.49%-28.49% Variable

Chase Ultimate Rewards

The Wells Fargo Autograph Journey card and Chase Sapphire Preferred card come with welcome offers worth hundreds of dollars when minimum spending requirements are met in the specified period after card approval.

Cathay Pacific Boeing 777 at Heathrow

The Wells Fargo Autograph Journey card earns Wells Fargo Rewards points , while the Chase Sapphire Preferred card earns Chase Ultimate Rewards points .

The amount of rewards you earn by spending on either card is one of the key reasons for selecting one card over the other .

For this reason, you should compare the bonus-earning categories for each card with your actual spending mix to determine which card is a better fit.

Here are all the ways you’ll earn rewards with our featured cards:

One clear observation is that spending on travel and dining purchases with either card will earn the most rewards.

The Chase Sapphire Preferred card requires that you purchase travel via Chase Travel to earn 5x points while the Wells Fargo Autograph Journey card earns 5x points on hotels, 4x on airfare, and 3x on all travel. The Chase Sapphire Preferred card earns 2x points on general travel.

The Chase Sapphire Preferred card has the edge in earning on select streaming services and online groceries — a plus if you spend a lot in these categories.

Ultimately, earnings for both cards are quite similar . However, earnings alone don’t determine the end value you’ll receive at redemption time.

Next, we look at the redemption options for our featured cards.

While the Wells Fargo Autograph Journey card may earn more on flights, hotels, and general travel purchases, the Chase Sapphire Preferred card’s annual 10% points bonus could negate some of that difference. If your largest overall spending is on travel and dining, either card could earn well.

American Airlines Business Class A380

Once you’ve accumulated rewards on the Wells Fargo Autograph Journey card or the Chase Sapphire Preferred card, you’ll have the pleasure of redeeming them for something special.

The Wells Fargo Autograph Journey card and the Chase Sapphire Preferred card offer flexible redemption options that help your rewards go further.

Here are the choices when it’s time to redeem your rewards.

Wells Fargo Rewards Points

Rewards earned on the Wells Fargo Autograph Journey card are most valuable when transferred to airline and hotel partners. We value Wells Fargo Rewards points at ~1.5 cents each.

There are currently 5 airline transfer partners and the Choice Privileges hotel program . Wells Fargo Rewards points can be transferred to Aer Lingus AerClub , Air France-KLM Flying Blue , Avianca LifeMiles , British Airways Executive Club , and Iberia Plus .

There are plans to add more Wells Fargo transfer partners, though you can access all the major airline alliances with the current airline partners.

Currently, there is just 1 hotel transfer partner, but you can find plenty of value in transferring Wells Fargo Rewards at a 1:2 ratio to Choice Privileges . For example, you can transfer just 8,000 Wells Fargo points to stay at the Clarion Hotel in Stockholm, Sweden (where breakfast is included, by the way) near Old Town for 16,000 Choice Privileges points.

Use our transfer partner tool to learn more about available transfer partners, transfer ratios, transfer timing, and tips on how to earn and redeem rewards. Our comprehensive list of rewards currencies includes rewards earned on the Wells Fargo Autograph Journey card and the Chase Sapphire Preferred card.

Chase Ultimate Rewards Points

We value Chase Ultimate Rewards points at ~2 cents each due to the flexible options at redemption time . One reason is that Chase has more transfer partners than Wells Fargo. Ultimate Rewards transfer to these partners at a ratio of 1:1.

You may want to check out how Air France-KLM Flying Blue Promo Rewards can yield great options for economy or business flights from the U.S. to Europe. Transferring Ultimate Rewards points during promo periods can make your points go further.

We also like that Ultimate Rewards points can be transferred to the World of Hyatt hotel loyalty program. Hyatt is a known sweet spot that can deliver good value for your points. For example, staying at the Hyatt Regency Chicago can be accomplished for just 12,000 World of Hyatt points per night (off-peak).

While Chase Ultimate Rewards points earned on the Chase Sapphire Preferred card are more valuable than Wells Fargo Rewards points, both rewards programs offer plenty of options for maximizing value at redemption time.

Plane on tarmac bad weather

The Wells Fargo Autograph Journey card and Chase Sapphire Preferred card are both Visa Signature cards and include several associated travel insurance protections and benefits. Protections can provide economic relief should something go wrong during your trip. Benefits can save you money or add comfort to your journey.

Travel Protections

  • Wells Fargo Autograph Journey Card — Secondary coverage within the U.S., primary coverage outside the U.S.
  • Chase Sapphire Preferred Card — Primary coverage worldwide, meaning you do not have to file a claim with other applicable insurance before card coverage applies.
  • Wells Fargo Autograph Journey Card — Pay for your entire trip with your card and receive up to $15,000 per covered person , per trip, up to a maximum of $20,000 per account every 12 months.
  • Chase Sapphire Preferred Card — Pay for a portion of your trip with your card and receive up to $20,000 per trip , up to $40,000 per 12-month period.
  • Lost Baggage Reimbursement — Pay for your trip with your card and if your luggage is lost by the common carrier, or is stolen, you could receive reimbursement of up to $3,000 per trip with the Wells Fargo Autograph card, and up to $3,000 per covered person/per trip with the Chase Sapphire Preferred card. Coverage is secondary to any other coverage that may apply.
  • Roadside Dispatch — For 1 prearranged fee, you’ll receive a roadside service call plus limited towing, tire changing of your inflated spare, lockout service, emergency fuel delivery, jumpstart service, and standard winching.

Chase Sapphire Preferred Card

  • Trip Delay Reimbursement — Should your trip be delayed more than 12 hours for a covered hazard, or overnight, you could receive up to $500 per ticket when a portion of your trip is paid for with your card.
  • Baggage Delay Insurance — If your trip is delayed more than 6 hours, you could receive up to $100 per day , up to 5 days, for covered essential items.

Travel Protection Advantages with the Chase Sapphire Preferred Card

While the Wells Fargo Autograph Journey card and Chase Sapphire Preferred card have similar travel insurance, when viewing the details, the Chase Sapphire Preferred card has several clear advantages .

  • The Chase Sapphire Preferred card has primary car rental coverage worldwide for up to 31 consecutive days. The Wells Fargo Autograph Journey card has secondary coverage in the U.S. and coverage for only up to 15 days (up to 31 days outside the U.S.).
  • The Chase Sapphire Preferred card requires that you pay for just a portion of your trip with the card to qualify for trip cancellation/trip interruption coverage. The Wells Fargo Autograph card requires that you pay for the entire trip with the card.
  • Coverage for lost/stolen baggage, although secondary on both cards, is limited to $3,000 per trip with the Wells Fargo Autograph Journey card. With the Chase Sapphire Preferred card, the limit is $3,000 per person, per trip — a significant difference.
  • The Chase Sapphire Preferred card includes the additional benefits of trip delay reimbursement and baggage delay insurance.

Travel Benefits

  • Wells Fargo Autograph Journey Card — Make a purchase of $50 or more directly with the airline and receive the $50 airline statement credit .
  • Chase Sapphire Preferred Card — Book a hotel stay of over $50 via Chase Travel and receive a $50 hotel statement credit each year.
  • Visa Signature Luxury Hotel Collection Benefits — Book your stay with your card and receive elite-style benefits including a best-rate guarantee, room upgrade on arrival (when available), and complimentary breakfast for 2. Free Wi-Fi, a $25 food/beverage credit, VIP guest status, and late checkout on request, when available, are also included.
  • No Foreign Transaction Fees — Any travel rewards card worth using would not charge foreign transaction fees. You’ll not be charged these fees with either card.
  • Travel and Emergency Assistance — Receive help 24/7 when traveling with a dedicated phone number for referral services. Services include medical/legal referrals, translation services, help arranging emergency transportation, and more.

While the Wells Fargo Autograph Journey card has several useful travel insurance benefits, the Chase Sapphire Preferred card offers better travel insurance coverage. The Chase Sapphire Preferred card requires that a portion of the trip be paid for with the card versus the entire trip. Car rental insurance is primary worldwide on the Chase Sapphire Preferred card, plus the card has trip delay and better baggage coverage.

Bose Headphones Brett

Shopping protections can provide valuable economic benefits should something go wrong with an eligible item you purchased with your card.

You can earn additional rewards and access to special offers using your card’s shopping benefits.

  • Cell Phone Protection — Pay your monthly bill with your card and if your phone is lost or stolen, you could receive up to $1,000 per claim. There is a limit of 2 claims per 12 months and a limit of $2,000.
  • My Wells Fargo Deals — You’ll find offers from select retailers and service providers in your online card account. Choose and activate the offers you like, make the required purchase, and receive cash back.
  • Autograph Card Exclusives — Receive exclusive offers to live events for which you can purchase up to 6 tickets!
  • Purchase Protection —You could receive up to $500 per item for damage or theft for up to 120 days from the date of purchase. Qualifying items must be purchased with your card, and there is a limit of $50,000 per account.
  • Extended Warranty — Eligible items purchased with your card with manufacturer’s warranties of 3 years or less will receive coverage for an additional year.
  • DoorDash DashPass — Activate this benefit by December 31, 2024, and receive complimentary membership for up to 12 months. Membership includes free delivery and reduced fees.
  • Instacart+ Membership — Receive 6 months of complimentary membership when you activate by July 31, 2024 (normally $9.99/month). Membership includes waived delivery fees, reduced service fees, and a 5% discount on eligible pickup orders.
  • Chase Offers — Log in to your online card account and select from a collection of cash-back offers. Make the required purchase and receive a statement credit.

When determining the value a card can provide, the cost of card membership should be considered.

The Wells Fargo Autograph Journey card has an annual fee of $95 . The Chase Sapphire Preferred card charges an annual fee of $95 .

There is no charge to add authorized users to either of our featured cards.

On the surface, the Wells Fargo Autograph Journey card appears to hold its ground with the Chase Sapphire Preferred card . It has strong earnings, flexible redemption options, and a long list of travel insurance benefits.

When we dig deeper, we find that Chase Ultimate Rewards points can be worth more than Wells Fargo Rewards due to the options at redemption time. This could change as more Wells Fargo transfer partners are added over time.

And, while the travel insurance benefits are similar, the Chase Sapphire Preferred card has more coverage and fewer hoops to jump through , including not having to pay for your entire trip with your card to qualify for coverage.

The Wells Fargo Autograph Journey card can still be a good choice for earning on travel, dining, utilizing its current transfer partners, and for its travel/shopping benefits. The $50 airline credit alone offsets most of the annual fee.

Frequently Asked Questions

Which is the better card, the wells faro autograph journey card or the chase sapphire preferred card.

While the Wells Fargo Autograph Journey card has a robust earning structure, flexible redemption options, and some useful travel insurance benefits, the Chase Sapphire Preferred card has the edge. It has more airline and hotel transfer partners and it has stronger travel insurance benefits.

Can Wells Fargo Rewards points be transferred to airline or hotel programs?

Yes, Wells Fargo has 5 airline transfer partners and the Choice Privileges hotel loyalty program. Airline Partners include Aer Lingus AerClub, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, and Iberia Plus. Wells Fargo Rewards points transfer to airline programs at a 1:1 ratio and to Choice Privileges at a 1:2 ratio.

Does the Wells Fargo Autograph Journey card have an auto rental collision damage waiver?

Yes. The Wells Fargo Autograph Journey card has a secondary auto rental collision damage waiver within the U.S. Secondary means that you must first file a claim with any other applicable insurance before card coverage applies. Outside of the U.S., coverage is primary, and card coverage kicks in immediately. Terms apply.

Does the Wells Fargo Autograph Journey card have foreign transaction fees?

No. The Wells Fargo Autograph Journey card is great for traveling as it does not charge foreign transaction fees ( rates & fees ).

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

Is the Capital One VentureOne Card worth it?

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Key takeaways

  • The Capital One VentureOne Rewards Credit Card is an excellent travel card for beginners thanks to its no annual fee and uncomplicated rewards structure.
  • The VentureOne welcome offer is attainable for even moderate to low credit card spenders.
  • Cardholders who spend enough to offset a modest annual fee might consider this card’s sister, the Capital One Venture Rewards Credit Card instead, which offers higher rewards earning as well as some additional perks.

The Capital One VentureOne Rewards Credit Card is what you might call an entry-level travel credit card. It doesn’t charge an annual fee and offers an unlimited 1.25X miles on every purchase — giving you a straightforward way to earn and redeem travel rewards without having to pay an upfront cost.

But are the Capital One VentureOne Card benefits worth it? How does the VentureOne Rewards Card compare to travel credit cards that charge annual fees — and are the extra travel benefits worth paying an annual fee?

Let’s take a look at what kinds of cardholders may find the Capital One VentureOne Card worth it and which ones should skip it, and how it stacks up against other top travel credit cards.

When is the VentureOne Card worth it?

As a no-annual-fee travel card, the Capital One VentureOne may serve a variety of cardholder types well. It’s an especially nice option for people who want to dip a toe into the world of credit card travel rewards without the risk of paying an annual fee and not realizing enough value to offset it. Here are a few other situations that make the card worth it.

You want to earn unlimited rewards

For anyone who doesn’t want the hassle of tracking bonus categories, the Capital One VentureOne Rewards Card offers an unlimited 1.25X miles per dollar on everyday purchases. You can also rake in 5X miles on hotels and rental cars through the Capital One Travel portal, but it’s that everyday rewards rate that helps keep things simple. There are no spending caps to worry about with the card, which means you can earn as many rewards as you’d like.

Not only does this flat-rate rewards card provide the same benefits whether you buy groceries, gas or plane tickets, but the Capital One miles rewards program also offers conveniently flexible rewards redemption options. You can turn your miles into statement credits to cover your travel purchases, transfer them to numerous hotel and travel partners or use your miles to cover PayPal or Amazon.com purchases.

Your best redemption value will likely come from transferring your miles to one of Capital One’s transfer partners. Bankrate estimates your miles are worth about 1.7 cents each when you transfer them to a high-value partner. Certainly, learning the ropes of the transfer system takes time, but it’s worth it for cardholders interested in maximizing their reward redemptions.

You don’t want to overspend for your welcome offer

Savvy cardholders know that one of the best ways to earn rewards is by taking advantage of a credit card’s welcome offer. The VentureOne Rewards Card offers new cardholders 20,000 bonus miles when you spend $500 in the first three months after opening the account. Redeem those bonus miles for travel via Capital One Travel or for statement credit to cover a travel purchase on the card and they’re worth $200.

If you transfer the miles to a high-value travel partner, they could be worth about $340 based on Bankrate’s valuations. That’s a hefty value for a bonus on a no-annual-fee card .

You frequently shop online

If you enjoy bargain hunting by scouring the internet for discount codes, you can use Capital One Shopping to automatically track coupons, price comparisons and more. When you download the Capital One Shopping app or add the Capital One Shopping extension to your browser, Capital One will begin searching for coupon codes and sending you price-drop alerts.

Plus, VentureOne Rewards cardholders can earn Capital One Shopping Credits (available on select purchases) by linking their VentureOne Rewards card to the Capital One Shopping app and using the card at checkout.

You could use an intro APR offer

Intro APR offers are rare on travel rewards cards, but VentureOne offers a lengthy one. New cardholders can take advantage of an intro 0 percent APR for 15 months on purchases and balance transfers (3 percent balance transfer fee applies for the first 15 months; 4 percent at a promotional APR that Capital One may offer you at any other time). After the intro period, a 19.99 percent to 29.99 percent variable APR applies.

The best cash back credit cards frequently offer intro APRs, but they’re hard to come by among travel rewards cards. That makes this feature a standout for VentureOne.

Remember, you won’t earn rewards on transferred balances and it won’t count toward earning your welcome bonus. However, you do earn rewards and work toward your welcome bonus with new purchases. If you’re itching to get into the travel rewards game, but need a few extra months to pay off an existing debt or a new large purchase, VentureOne could be the right fit.

You’re still learning about credit

Whether you’re trying to improve your credit score or simply keep an eye on your credit, you’ll want to sign up for CreditWise from Capital One . CreditWise can help if you’re looking to advance your credit score to the next tier, and you’ll receive real-time updates as your credit improves.

This free credit monitoring app is one of our favorite credit monitoring services because it not only tracks changes to your credit score, but also monitors your personal and financial information for any potential security breaches. For instance, it will notify you if your email appears on the dark web and will let you know what you do next to keep your accounts safe.

Keep in mind that you have the best chance of approval for VentureOne if you have at least a good credit score , which means a FICO score of at least 670. If you aren’t quite there, don’t despair. There are cards for people with fair credit scores . Use one of those responsibly and, over time, your score should rise to the point of qualifying for higher tier cards.

When is the VentureOne Card not worth it?

Though the VentureOne Card is an excellent card for many consumers, it doesn’t suit high spenders and serious globetrotters. It’s not that it’s a bad choice; rather, there are better options out there. Let’s examine the scenarios in which VentureOne doesn’t make sense more closely.

You spend enough to offset an annual fee

The biggest drawback of the VentureOne Card is its relatively low flat rate. Consider, instead, VentureOne’s sister card, the Capital One Venture Rewards Credit Card . The Venture Rewards Card charges a $95 annual fee, but it offers plenty of value for that fee.

Earning an unlimited 2X miles on all purchases and 5X miles on hotels and rental cars booked through Capital One Travel, the Venture Card is as versatile as VentureOne, but more lucrative. Furthermore, the Venture welcome bonus requires a higher spend ($4,000 in three months), but you earn 75,000 miles if you meet it. Earning the bonus alone can effectively offset your annual fee for seven years, and that doesn’t even take into account the everyday rewards opportunities.

There’s nothing wrong with a strong no-annual-fee card such as VentureOne, but crunch the numbers to see whether paying Venture’s $95 annual fee puts you ahead in the end.

You’d like Global Entry or TSA PreCheck credit

By earning 5X miles on hotels and rental car bookings made with Capital One Travel and charging no foreign transaction fees, VentureOne’s travel benefits are nearly identical to the Venture Rewards Card. However, consumers who fly often and would appreciate expedited security screenings for domestic flights or when clearing U.S. customs should apply for Global Entry or TSA PreCheck . VentureOne won’t cover your application fee, but Venture (and numerous other premium travel cards) will. With Venture, every four years, you can get up to a $100 statement credit for your Global Entry or TSA PreCheck application fee.

Consider that another year of offsetting the Venture annual fee.

Should you get the VentureOne Card?

Is the Capital One VentureOne Rewards Card worth it? It depends. If you want a flat-rate rewards card with no annual fee, the VentureOne Rewards Card is a good way to earn miles on everything you buy and redeem those miles for everything from travel bookings to Amazon.com purchases.

But if you’re looking for a top travel credit card , the Capital One VentureOne Card might not be your best option. Although VentureOne includes a number of benefits designed to help you save money and build your credit, its travel benefits are fairly limited. You don’t get any of the benefits that some of the best travel credit cards provide, such as TSA PreCheck and Global Entry application credits and airport lounge access . Using VentureOne to earn and redeem Capital One miles gives you plenty of flexibility, but it probably won’t do much to improve your general travel experience.

If you want a Capital One credit card that offers a few more travel perks, the Capital One Venture is a great alternative. In exchange for a $95 annual fee, the Venture Rewards Card gives you an unlimited 2 miles per dollar on every purchase and an automatic statement credit to cover the cost of your TSA PreCheck or Global Entry application fee.

You could also consider the Chase Sapphire Preferred® Card . This travel credit card includes a few top-level travel benefits, including the opportunity to earn a welcome bonus of 60,000 bonus points when you spend $4,000 in the first three months, worth $750 toward travel when redeemed through Chase Travel℠ . Like the Venture Card, Sapphire Preferred also charges a $95 annual fee. If you’d like to avoid an annual fee altogether, stick with VentureOne.

The bottom line

The Capital One VentureOne Rewards Credit Card charges no annual fee and offers a few basic travel benefits, including the ability to earn and redeem Capital One miles. If you’re looking for a good starter travel card — or if you simply want a low-cost card — the VentureOne Rewards Card might be a good choice. If you’re hoping to get a little more out of your travel credit card, you might decide that the VentureOne travel benefits aren’t enough. Make sure you carefully assess your situation and spending habits and check out the full Capital One VentureOne Card review before deciding to apply for VentureOne or a more premium travel card.

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Capital One VentureOne Rewards Credit Card review

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Capital One Journey Student Card Adds Streaming Credit for New Cardholders

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Melissa Lambarena is a senior writer on the credit cards team at NerdWallet. She has enthusiastically covered credit card-related topics for over seven years. Her prior experience includes nine years as a content creator for several publications and websites. Through her work, she aims to help readers extract value from credit cards to meet financial goals like stretching their budget, building credit, traveling to dream destinations and paying off debt. She explores these topics in the Millennial Money column featured in The Associated Press. Her work has also appeared in The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. Melissa has a bachelor’s degree in sociology from the University of California, Los Angeles.

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» This offer has expired

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

New cardholders approved for the Journey Student Rewards from Capital One will soon be able to earn a statement credit on qualifying streaming services for their study-session playlists.

Starting Oct. 21, 2020, the card will offer:

A $60 credit for new cardholders: After the first on-time payment, you'll will receive a $5 statement credit each month for one year when you use the card to pay for qualifying music and video streaming services like Netflix, Hulu, Disney+ and Spotify. Exclusions and terms apply. The statement credits must be earned within the first 18 months of opening the account.

Contactless card payments and a new design: The Journey Student Rewards from Capital One is also undergoing a design change, from ruby red to dark blue. The new design will feature the contactless payment option , which can offer a safer, no-touch way to pay at the register. New cardholders will get this updated version upon applying. Existing cardholders will get the new version once their current card approaches its expiration date.

In addition to the streaming service credit, the card earns 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, a decent rate for a student credit card .

In recent months, Capital One has made temporary changes to other cards in its portfolio to accommodate shifts in spending habits amid the pandemic. And the Journey Student Rewards from Capital One is the latest Capital One card to go contactless .

On a similar note...

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Journey Student Rewards from Capital One vs.   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.

First credit card image

Doug Milnes, CFA

Head of Credit Cards at MoneyGeek

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.

journey card capital one

Brett Holzhauer, CPFC

Personal Finance Journalist

Brett Holzhauer is a Certified Personal Finance Counselor (CPFC) and a personal finance reporter at MoneyGeek. He has written for several leading publications, including Forbes Advisor, LendingTree, CNBC and ValuePenguin. Holzhauer has a journalism and mass communications degree from the Walter Cronkite School of Journalism and Mass Communications at Arizona State University.

Updated: March 19, 2024

Advertising & Editorial Disclosure

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

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 (No Credit History)

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.

Journey Student Rewards from Capital One

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
  • (No Credit History) 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.

Deserve® EDU Mastercard for Students

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.

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.

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

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

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

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.

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

Business vs. Corporate Credit Cards

About Doug Milnes, CFA

Doug Milnes, CFA headshot

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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Capital One Venture X vs. Amex Platinum

Capital One Venture X vs. Amex Platinum

Editors Note: Our editors’ evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission when you click on our affiliate partners’ links.

‌ card_name and card_name are two heavyweights in the category of premium credit cards. But they might not be in the same weight class.

Both cards appeal primarily to travelers, as many of the rewards and perks revolve around airlines, hotels, rental cars, and the like.

Some folks might find the card_name more appealing thanks to its lower annual fee and potentially lower APR. Others may be willing to pay a higher annual fee to gain the abundance of benefits supplied by card_name , such as a $200 hotel credit, a $189 CLEAR credit, and $200 in Uber cash.

Cards at a glance

Bonuses and rewards: similar bonuses but different rewards.

With the card_name you can bonus_miles_full With card_name bonus_miles_full So the Amex bonus might be fatter, but you need to make $8,000 in purchases to get it, compared with $4,000 in purchases on the Capital One card.

The card_name card provides 10X miles on hotels and rental cars, 5X miles on flights booked through Capital One Travel, and 2X miles on all other purchases. By comparison, card_name offers 5X points on flights booked directly with airlines or through American Express Travel, 5X points on prepaid hotels booked through AmexTravel.com, and 1X points on all other purchases. Therefore, the Capital One card may outdo the Amex card in terms of the ability to pick up points, depending on your spending patterns.

Fees and costs: The battle of interest rates and fees

In addition to the annual_fees annual fee, the card_name card charges these fees:

  • ‌ cash_advance_apr cash advance APR.
  • Balance transfer fee of 4% of each transferred balance, but no fee if transfer made at transfer APR.
  • No foreign transaction fee.
  • Cash advance fee of cash_advance_fee

As well as the annual_fees annual fee, card_name charges these fees:

  • 29.99% penalty APR.
  • ‌ late_payment_fee late payment fee.
  • Up to $40 returned payment fee.

Which card is the right card for you?

When should you get card_name .

You should get the card_name card if you’re an avid traveler who wants to earn 10X miles on hotels and rental cars, and 5X miles on flights booked through Capital One Travel.

A big advantage of the card_name : a lower annual fee and a potentially lower APR than card_name . However, card_name comes up short on benefits compared with card_name . Furthermore, it may be harder to qualify for the Capital One card than the Amex card.

You should get card_name if you’re interested in a broad array of perks, such as a $189 CLEAR credit and a $155 Walmart+ monthly membership credit. But these perks come at a hefty price — the annual_fees annual fee ($300 higher than the annual fee for the card_name ).

Also, it may be easier to qualify for card_name than the card_name . Yet you might be hit with a higher APR than the card_name .

Other cards worth considering

Here are three other premium cards worth considering if neither the card_name nor card_name appeals to you.

Chase Sapphire Reserve

The annual fee ( annual_fees ) for the card_name sits between the annual fee for the card_name and card_name . But the Sapphire Reserve fee may be worth paying — particularly if you’re an avid traveler — given that with the card you can bonus_miles_full Among the card’s benefits are $300 in travel credit, airport lounge access, 10X points on hotel and car rentals purchased through Chase, and 3X points on all other travel purchases and on dining purchases.

Citi Premier

Thanks to its low annual_fees annual fee, the card_name may be a good travel rewards alternative to card_name and card_name . For one thing, you can bonus_miles_full . Making Citi Premier more attractive: A cardholder can earn 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions booked on the Citi Travel portal through June 30, 2024. Benefits — which aren’t as extensive as those for card_name and card_name — include 3X points on restaurants, supermarkets, gas stations, air travel and hotels, and 1X points on all other purchases.

American Express Gold

With a annual_fees annual fee, the card_name may be a worthy substitute for card_name or card_name if you’re shopping for a card that serves up food-related benefits. American Express Gold enables you to earn 4X Membership Rewards points for restaurant and grocery purchases, 3X points for flights, and 1X points for other eligible purchases. Other perks include $120 in dining credit and $120 in Uber Cash. Although American Express Gold benefits aren’t as generous as those from card_name and American Express Platinum, they might be ideal if you’re a foodie.

Frequently asked questions (FAQs)

Which card is better, card_name or american express platinum.

Whether the card_name or card_name is better depends on your situation. You might be drawn to the card_name thanks to its potentially lower APR. But you may be attracted to the host of benefits supplied by the American Express Platinum card.

Is card_name worth it?

The card_name is worth it if you’re a regular traveler, as the card lets you earn 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel.

‌ card_name is worth it if you don’t mind paying a high annual fee to gain access to a vast array of benefits, such as airport lounge access and $200 in annual Uber cash

This story was written by NJ Personal Finance , a partner of NJ.com. The information presented here is created independently from the NJ.com editorial staff, and purchases made through links in this article may result in NJ.com earning a commission.

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