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The card helps college students with average credit boost their credit scores and build good credit habits. It also offers cash back rewards with no annual fee, travel perks, and useful credit monitoring and account management tools that students just learning to manage a budget will appreciate.
| Customer service contact info for 1 800-227-4825 Attn: General Correspondence P.O. Box 30285 Salt Lake City, UT 84130-0287 |
| Pros | Cons |
|---|---|
| Earn extra rewards for paying on time | High APR |
| No annual fee | No sign-up bonus |
| No foreign transaction fees | |
Experian Review
The card is a relatively straightforward student credit card that offers 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply) and cash back on every purchase and charges no annual fee. With lots of useful features to help manage your credit, plus the ability to boost your rewards rate and credit limit by using the card responsibly, this card has a lot going for it for students just starting to build a credit history.
Get More Perks for Good Credit Habits
Learning how to manage credit is essential to successful adulting, and this card helps you build those skills by rewarding you for good credit habits. If you pay your bill on time every month, you'll earn an additional 0.25% cash back each month, increasing the rewards rate to 1.25% total. Cardholders also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). To make sure you never miss a due date, use the card's autopay feature to set up automatic payments each month.
Keeping an eye on your credit score to spot fraud or errors helps you maintain good credit. Enjoy peace of mind since the card comes with $0 fraud liability so that you won't be responsible for unauthorized charges.
There's no annual fee for this card—something anyone on a student budget is sure to appreciate.
Have Peace of Mind When Traveling
Are you planning a semester abroad, gap year or vacation overseas in the near future? The card has several features that may help make foreign travel easier, more affordable and more secure. For one thing, as a Mastercard, it's widely accepted all over the world. For another, there's no fee on foreign transactions. Many credit cards charge a fee on every purchase you make overseas. Those fees tend to be about 3%, an amount that can eat into your precious travel budget. This card eliminates those extra fee costs so every penny can go toward making memories.
Keep Track of Your Spending
Download the ® Mobile App, available for iOS and Android, to help manage your account and maintain the good credit habits you're working to establish. You can pay your bill, view your balance and see your transactions, set up personalized email or text reminders to stay on top of your spending and payments and get notified if there's any suspicious activity on your account. The app offers 24/7 access to your monthly recurring transactions, such as streaming subscriptions or cellphone bills you've set up to pay with your card, so you can spot anything unusual. You can also access CreditWise® via the app.
If your card is misplaced, lost or stolen, you can instantly lock it in the mobile app to prevent anyone using it. If you find the card again, just unlock it. There's zero fraud liability, so you aren't responsible for fraudulent purchases you report to .
Additional Info
| Purchase APR: | Grace Period: 25 days |
| Transfer APR: | Annual Fee: |
| Cash Advance APR: (Variable) | Balance Transfer Fee: $0 at this Transfer APR |
| Cash Advance Fee: or of amount of cash advance, whichever is greater | |
| Foreign Transaction Fee: None | |
| Late Payment Fee: Up to $40 |
Authorized User Policy
You can add anyone you trust—your boyfriend, girlfriend, roommate, etc.—as an authorized user on this card. There's no credit check: All you need is their name, phone number and date of birth. The authorized user will get a card with their name on it and you'll earn rewards on every purchase they make.
Parents often add children as authorized users on their credit cards to help the children build a credit history, but as a student just starting to build credit, there is more risk than reward in letting someone else share your credit line. Although makes it easy to keep tabs on your authorized user's spending, you're ultimately responsible for all charges on the card. That means if you break up with your significant other or have a fight with your roommate, you could end up footing the bill for all their Grubhub orders... while living on ramen for the rest of the year.
Is This Card Right for You?
If you're a student with a limited credit history, you can get approved for this card with just average credit and quickly increase your credit limit if you demonstrate responsible payment habits. You'll earn cash back rewards on every purchase, get bonus rewards for paying on time, and pay no annual fees or foreign transaction fees (every dollar helps when you're a starving student!). There are plenty of convenience features to help manage your account, keep an eye on your credit and track your spending. All in all, the card can be a good beginner credit card for those just learning to manage credit.