"Another Winner!!"
Journey® Student Rewards from Capital One® Review
Written by: boobie1998 on 2015-06-16
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
boobie1998's review: 
On my search for cards to rebuild with, I came across this one from Capital One. This is my second account with them, as I have their Secured MasterCard...but this one is completely unsecured. Was instant approval, was given $500 starting line. Also mentioned that with 5 on time payments I will be eligible for a higher credit line! Website is awesome, and I was able to link both my accounts together with same username and password, so I see both accounts when I log in. I can can access both accounts with the Capital One Wallet app on my I-phone too...and can also use both cards with Apple pay if I want to. I was able to choose my own card design for free. Card took about two weeks to get to me from the time I applied. This card has NO ANNUAL FEE, a first for me!! APR is 19.8%, also a first for me. All my other re-builder cards are 29.99%, with the exception of the secured MasterCard I mentioned earlier, that is 22.90%. Card also offers 1% cash back on purchases, and an additional .25% when I pay on time for the cash I have earned... I am amazed that Capital One had given me a second chance. I had mentioned in my review of the Capital One Secured MasterCard back in January 2015 that I have defaulted with them in the past, but it seems I have been forgiven, and awarded with 2 pretty awesome accounts. The card also includes Credit Tracker thru TransUnion for free which I like, and updates once a month so I can see my credit building get better and better. My plan is working, and couldn't be happier that things are getting better. I definitely can confirm Capital One will help rebuild credit. Hope the review helps someone, and encourages other to hang in there...its a long process, but I know I will be just fine...
On my search for cards to rebuild with, I came across this one from Capital One. This is my second account with them, as I have their Secured MasterCard...but this one is completely unsecured. Was instant approval, was given $500 starting line. Also mentioned that with 5 on time payments I will be eligible for a higher credit line! Website is awesome, and I was able to link both my accounts together with same username and password, so I see both accounts when I log in. I can can access both accounts with the Capital One Wallet app on my I-phone too...and can also use both cards with Apple pay if I want to. I was able to choose my own card design for free. Card took about two weeks to get to me from the time I applied. This card has NO ANNUAL FEE, a first for me!! APR is 19.8%, also a first for me. All my other re-builder cards are 29.99%, with the exception of the secured MasterCard I mentioned earlier, that is 22.90%. Card also offers 1% cash back on purchases, and an additional .25% when I pay on time for the cash I have earned... I am amazed that Capital One had given me a second chance. I had mentioned in my review of the Capital One Secured MasterCard back in January 2015 that I have defaulted with them in the past, but it seems I have been forgiven, and awarded with 2 pretty awesome accounts. The card also includes Credit Tracker thru TransUnion for free which I like, and updates once a month so I can see my credit building get better and better. My plan is working, and couldn't be happier that things are getting better. I definitely can confirm Capital One will help rebuild credit. Hope the review helps someone, and encourages other to hang in there...its a long process, but I know I will be just fine...
3 Comments
Comment 1 by wanderer
Re: Another Winner!! 
on 2015-06-17
WOW! A second chance is a great thing ... congrats on your new score and Cap1 Journey Card.
on 2015-06-17 WOW! A second chance is a great thing ... congrats on your new score and Cap1 Journey Card.
Comment 2 by boobie1998
Re: CLI on 2015-11-29
Awarded a $250 credit line increase today 11/29/15. New line $750. Absolutely zero problems with the account so far.
on 2015-11-29 Awarded a $250 credit line increase today 11/29/15. New line $750. Absolutely zero problems with the account so far.
Comment 3 by boobie1998
Re: More Love Shown!! on 2016-06-01
Today June 1, 2016, my account received a $1250 CLI!! my limit is now $2000 on this card. Definitely made a good choice with this card...Zero problems. Clearly my favorite now. So nice to be rewarded to good behavior...
on 2016-06-01 Today June 1, 2016, my account received a $1250 CLI!! my limit is now $2000 on this card. Definitely made a good choice with this card...Zero problems. Clearly my favorite now. So nice to be rewarded to good behavior...
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Disclaimer: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Review content is powered by Finance Globe.
