Journey Student Card Benefits and Features
You can earn 1% cash back on every purchase, every day, with a boost to 1.25% if you pay the minimum payment on time. There’s no limit to how much you can earn or what categories you can sign up for, and your rewards won’t expire as long as you have an account.
2. No Annual Fee
There is no annual fee for the Journey Student Card.
3. Credit Limit Increase
By the end of the month, millions of Americans could be considered for a higher credit line in their bank accounts, with Capital One reviewing your account and notifying you if you’ve been approved for an additional $5,000 to $10,000 in overdraft protection.
4. Tap to Pay
Simply tap or hold your card on a contactless-enabled reader, wait for confirmation, and you’re done. Look for the symbol, which is the four curved lines between your card and the terminal.
5. Card Lock
And if they’re ever lost or stolen, you can easily unlock them with just a few taps.
6. Eno, Your Capital One Assistant
Eno is a Capital One assistant that monitors your account 24 hours a day, seven days a week, and can help you spot potential fraud, duplicate charges, or overly generous tips. You can ask Eno questions about your account online, on the mobile app, or via text.
7. No Foreign Transaction Fees
You won’t have to pay foreign transaction fees when making purchases outside of the United States, and you won’t have to worry about paying for goods and services you don’t need in the United States once you’ve gained confidence in traveling abroad to study or vacation.
How do I access my Capital One account?
Your money is always at your fingertips with built-in security and 24/7 access to your account via the Capital One Mobile app. Keep in mind that web access is required to use mobile banking, and Mobile Deposits are only available in the United States and U.S. Territories.
How do I view my Capital One credit card online?
To access your Capital One credit card account online, go to the login page on the Capital One website or mobile app, enter your username and password in the appropriate fields, and then click “Sign In.”
How do I access my Capital One 360 account?
Sign in to your account at www.capitalone.com 24 hours a day, 7 days a week. Call our Interactive Phone Service at 1-888-464-7868 for 24/7 access. Speak to an Associate at 1-800-289-1992 from 8 a.m. to 8 p.m., 7 days a week.
How do I redeem my Capital One travel?
Sign in to your Capital One account and click on your mileage balance to go to the rewards page, where you’ll find four fixed-value redemption options: travel, gift cards, cash, PayPal purchases, Amazon orders, or transferring miles to another account.
Can you open a Capital One account online?
Existing customers can open additional accounts from within the Capital One mobile app by clicking “Browse Financial Products” in the Profile tab at the bottom of the screen.
How do I find my credit card pin number?
If you can’t find the PIN paperwork, go to your online account and search the card issuer’s online banking website or app for information about your credit card PIN. Call your issuer: If you can’t find the PIN paperwork, call your credit card company.
Why does my Capital One account say restricted?
When an account is restricted, it means that it has been suspended and can be reopened if you take the necessary steps. So, what should you do if you discover that your account has been restricted? The easiest and simplest way is to contact Capital One’s customer service department right away.
What is capital one360?
What is an online checking account? 360 Checking is a checking account that has everything you need and nothing you don’t. You can pay your bills, get cash, make deposits, and transfer money all without having to go to the bank.
Is there a difference between Capital One and Capital One 360?
The only real difference between Capital One 360 and other online banks is how you access your account and money: with Capital One 360, you’ll access your account via their website or a smartphone app; the only other significant difference is with physical checks.
Are Capital One and Capital One 360 the same?
Capital One 360 is Capital One’s online banking branch; they’re both part of the same holding company, but they’re separate “banks.” One of the reasons 360 has such good terms is that it’s an online-only bank, so it doesn’t have the overhead of a traditional Capital One bank with physical branches.
Can I withdraw money from my Capital One 360 savings?
The FDIC insures Capital One’s 360 Performance Savings accounts up to allowable limits, and you can withdraw money from your account online or at a branch, but not at an ATM; to withdraw money from an ATM, you must first transfer money to a checking account.
What does capital one consider travel?
Travel expenses are defined by Capital One as purchases made from airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents, and time shares, but not from theme parks or other tourist attractions.
Does Capital One have a travel portal?
Capital One has its own travel portal, Capital One Travel, which recently added a new bonus category to the Capital Oneu00ae Sparku00ae Miles for Business and Capital Oneu00ae Sparku00ae Miles Select for Business cards, allowing users to earn 5 miles per dollar on hotels and car rentals booked through the portal.
How often do you carry a balance?
To avoid damaging your credit score, most experts, including those at the Consumer Financial Protection Bureau (CFPB), recommend keeping your total credit utilization below 30%, which means that if your total credit limits are $10,000, you should never owe more than $3,000 on your credit cards.