With Journey® Student Rewards from Capital One®, you will earn 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. Enjoy no annual fee and no foreign transaction fees. Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online. Pick the monthly due date that works best for you. Get access to a higher credit line after making your first 5 monthly payments on time. There's $0 fraud liability if your card is ever lost or stolen. And, monitor your credit profile with the CreditWise® app, free for everyone.