The Capital One Journey Mastercard is designed to help students build credit and get rewarded for it.

You get reminders to keep you on track, rewards for good behavior, and credit tools and tips help you along the way.

Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time.

Because it’s a Mastercard, you can use it at millions of places and get Zero Liability Protection for lost or stolen cards.

You get 1% cash back simply for using the card on all your purchases – paying cash doesn’t do that and you only have to pay it a few weeks later.

Plus, get an additional 25% bonus when you pay your bill on time.

Get up to 15% more cash back when you shop our Perk Central retail network.

Free access to your credit score with the CreditWise tool from CapitalOne, plus an interactive tracking tool to help monitor your credit.

Free text and e-mail alerts help keep you on track

The cash rewards don’t expire and there is no limit to how many you can accumulate.

Get your cash back anytime as an account credit or check, even set up automatic redemption to whatever account you want.

The high variable Annual Percentage Rate of 26.99% on balances encourage cardholders to build good habits by paying the bill off in full for every statement.

Apply here to start your credit journey.