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. There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account. 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 get $0 fraud liability if your card is ever lost or stolen. Plus, pick the monthly due date that works best for you. The purchase APR is 24.74% (variable).