Are you looking for a credit card you can use to improve your credit rating? This article will highlight one great option.
The Capital One Journey Student Rewards Credit Card is all you need for a breadth of rewards plus low interest in order to build a good credit score. With this card in hand, you can enjoy the standard functions of a credit card and more.
If you’re interested to know the features of this card and want to know how you can apply, read on.
Features of the Capital One Journey Student Rewards Credit Card
Capital One offers a variety of credit cards for every type of individual. There’s something for low to average spenders, travelers, and even students.
In this article, we’re going to look closely at the perks and benefits that come with the Capital One Journey Student Rewards Credit Card.
The best thing about this card is the access to your credit score and tools to help you monitor your profile. With this, it is so easy to build a better score. The access to these tools is completely free, whether you have an existing account on Capital One or not.
Another highlight of this card is the No Transaction Fee feature. If you’re traveling constantly, you can benefit from this because you can simply use the Capital One Journey Student Rewards Credit Card for payments abroad.
No need to have loads of cash because you’re covered with this credit card.
The fun doesn’t end here as this credit card also lets you earn cash back reward every time you spend. Enjoy 1% to 1.25% cash back on purchases here and overseas. Remember, the more you spend, the more cash back rewards you’ll earn!
When it comes to security, you’ll be at ease because Capital One credit cards are equipped with a $0 Fraud Liability feature, which means, you will not be charged for unauthorized transactions.
Finally, since this credit card is powered by Mastercard, you can enjoy exclusive deals and promotions. Simply present this credit card to get merchant discounts.
Capital One Journey Student Rewards Credit Card Application
Applying for this card is easy with the online application. Simply visit their website and fill out the form providing your personal information. To be approved, you must be at least 18 years old, with a stable income and a legal US resident.
For the credit limit, note that the Capital One Financial Corporation will assess your financial standing and set a manageable amount for you. The limit is between $500 to $1,500 or higher.
Capital One Journey Student Rewards Credit Card Fees and Charges
This credit card has NO annual fee or joining fee. However, if you do not pay your balances on time and in full, expect to be charged $39 for the late payment fee. The APR on this card is set at 26.99%.
For the cash advance, you will be charged 3% of the total amount or $10, whichever is higher. However, there are no balance transfer fees with this card.
How to Contact Capital One
If you are interested in this card and would like to contact the bank, you can call them at 1 (877) 383-4802. You can also find them at their main address, which is located at 1680 Capital One Dr, McLean, VA 22102.
Order the Capital One Journey Student Rewards Credit Card if you’re after building your credit score and receiving cash back rewards. It’s the ultimate credit card to have even when you’re traveling abroad for work or leisure.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.