The Capital One® Journey® Student Rewards Card earns 1% cash back on all your purchases. If you pay on time, you'll boost your cash back to a total of 1.25% for that month. There’s no limit to the amount of cash back you can earn, and rewards don't expire. You'll also get access to a higher credit line after making your first 5 monthly payments on time. Pay no annual or foreign transaction fees, and you'll have fraud coverage if your card is lost or stolen. Plus, pick the monthly due date that works best for you. Purchase APR is 20.74% (variable), and cash advance APR is 20.74% (variable).