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CNET editors independently decide on both a product and the service we cover. While we can’t review one and both to offer an offer or a monetary venture, we try to make thorough and rigorous comparisons to highlight the most productive of them. For many of those products and services, we earn a commission. The refund we obtain could affect the appearance of products and links on our site.
We are an independent publisher. Our advertisers do not target our editorial content. The opinions, analyses, criticisms or recommendations expressed in the editorial content are exclusive to the writer and have not been reviewed, approved or otherwise approved through the advertiser.
To assist in our work, we are paid with other tactics to provide advertising services. For example, some advertisers pay us to show ads, others pay us when you click on certain links, and others pay us when you submit your data to request a quote. or other offer details. CNET reimbursement is never tied to whether or not you purchase an insurance product. We do not rate you for our services. The refund we obtain and other factors, such as your location, may have an effect on which advertisements and links appear on our site, and how, where and in what order advertisements and links appear.
Our insurance content may come with references or announcements from our HomeInsurance. com LLC partner, a licensed insurance manufacturer (NPN:8781838). And HomeInsurance. com LLC possibly get a refund from third parties if you stop and transact on their website. However, all CNET editorial content is independently researched and developed, regardless of our corporate appointments with HomeInsurance. com LLC or your appointments with advertisers.
Our content may come with summaries of insurance providers or their products or services. CNET is not an insurance firm or broker. We do not operate in the insurance business, nor do we attempt to sell insurance or solicit or induce you to purchase any specific type of insurance from any specific company.
In a virtual world, data only addresses topics if it is timely, applicable and credible. We are committed to doing everything we can to give you the data you want when you want it, to make our reviews fair and useful, and to make sure our facts are accurate.
If a popular product is on store shelves, you can count on Crumpe for quick feedback and benchmarking as soon as possible. We are committed to publishing the trusted data we have as soon as we have it, the lifecycle of a product, from its first public announcement. to any possible recall or the appearance of a competing device.
How will we know if we are fulfilling our mission? We constantly monitor our competition, user activity and journalistic awards. We browse and review blogs, sites, aggregators, RSS feeds, and any other available resources, and editors at all levels of our organization constantly review our coverage.
But you are the final judge. We ask that you let us know if you locate an error, spot a hole in our coverage, or have other tips for improvement. Readers are part of the CNET family, and the strength of that dating is the ultimate proof of our success. More information here.
Otherwise, there’s not much else to write down on this map: no introductory APR, no welcome bonus, no benefits. But it’s a decent stepping stone to getting better credits and setting the bar for a credit card with greater rewards and benefits.
The style is simple: earn 1% on all purchases with the Capital One Journey Student Rewards Card, with no limit. There are no bonus categories, unlike credit cards with maximum rewards, which means less to manage and track.
However, there’s secondary praise: when you make your monthly payment on time, you earn an additional 0. 25%, totaling up to 1. 25% cashback. While other student cards offer higher cashback rates, we appreciate the incentive for academics who are just starting to accumulate credits. On-time bills are a major component of a credit score.
This card is designed to help students get creditssssss. As such, there are some more productive practices that cardholders should be aware of. on your CreditsSSS score. Known as the “creditssss usage index,” this index represents a significant portion of your creditssss score.
That said, if you find that your monthly spending exceeds the 30% guideline, you can proactively tap Capital One to talk about a credit limit buildup.
Otherwise, after six months, Capital One will review your account. If you made your invoices on time and checked your balance, you can get an upper credit limit.
By making your bills on time and keeping your balance low, you deserve to be able to increase your credit score over time.
While we appreciate the simplicity of the Journey Student Rewards card, you can earn more cash with student credit cards that offer more complex rewards programs.
Discover it®* Student Cash Back is the most productive way to get maximum money back for maximum students. You earn the popular 1% on all purchases and 5% on daily purchases at rotating locations each quarter when you activate, up to $1,500 on spterminating every quarter, then 1%. Some places have included supermarkets, gas stations, restaurants, Target, Walmart, Amazon, and more. Equally vital is the Unlimited Cashback Match welcome bonus, which doubles the money earned at the end of your first year.
To learn more about the rotation category and other benefits, check out our full Discover it Student Cash Back Card review.
The Capital One SavorOne Student Cash Rewards credit card offers the same 1% on all your purchases, but with a handful of bonus categories.
You’ll get 3% back on food at restaurants, grocery outlets (excluding supermarkets like Target and Walmart), and entertainment. Entertainment includes cinemas, sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, check-in of points of sale, billiards and bowling alleys. There is also no annual fee.
Also, get a pretty counterfeit welcome bonus when it comes to student credit cards. For a limited time, if you spend $100 in the first 3 months after opening your account, you will get a $100 money bonus.
The Capital One Journey student card lists your appropriate credit history as “so-so,” which would correspond to a credit score between 580 and 669. However, it is not for a student to be approved for a student credit card, even if they do not have past credit accounts.
Once you graduate, you can upgrade to a non-student credit card. These cards will offer greater rewards and benefits. You will most likely first want to provide your source of income and housing payment details to your credit card issuer.
Capital One considers that you have recently enrolled in a university, network school, or other higher education establishment accredited as a student. You can also be admitted and plan to register within the next 3 months.
CNET reviews credit cards by thoroughly comparing them based on the criteria explained for each major category, adding cashback, welcome bonuses, rewards and balance transfer. We take into account the typical purchasing behavior of a diversity of customer profiles, with the understanding that everyone’s monetary scenario is different, and the designated serves as a card.
*All Discover it Student Cash Back data was collected independently through CNET and reviewed through the issuer.