![]() ![]() Responsible use during college for purchases and bill payments could boost your credit score upon graduation. While paying the minimum keeps your account current and prevents late fees, we encourage you to pay in full to avoid interest charges from this card's steep 29.74% variable APR. This card encourages you to pay on time with the benefit of earning extra cash back.Ĭardholders earn 1% cash back on all purchases, which increases to 1.25% for every billing cycle that you make at least your minimum payment on time. Who's this for? If you want to learn how to use credit responsibly while in college, the Journey Student Rewards from Capital One can help teach you good habits without charging an annual fee. There is no fee on purchases made outside the U.S. The card has a $395 annual fee, which is on the lower end for a premium credit card, but it can be quickly made back if you maximize the card's features. Other great perks: The card is loaded with benefits, including an up to $100 statement credit for either Global Entry or TSA PreCheck®, complimentary cell phone insurance* and access to Capital One Lounges as well as the extensive network of Priority Pass and Plaza Premium airport lounges worldwide. Every year, cardholders receive up to $300 back in statement credits each year for bookings made through Capital One Travel and a 10,000-mile bonus on each account anniversary. Plus, you'll earn 2X points on all other purchases.Īs with the Venture Rewards Card, there are many ways to redeem your rewards, including transferring them to various airline and hotel partners. It offers a competitive rewards program for common travel expenses: Earn 10X miles on hotel and rental cars booked through Capital One Travel and 5X miles for every dollar spent on flights through the portal. Who's this for? The Capital One Venture X Rewards Credit Card is an excellent choice for someone who travels often and wants to reduce airport stress without being brand loyal. This card has no foreign transaction fees and comes with a variety of travel perks, such as 24-hour travel assistance services and an auto rental collision damage waiver. While Venture does come with a $95 annual fee, it's low compared to some other travel cards with annual fees over $500. ![]() If you travel through airports often, this benefit can save you time and money. Other great perks: A noteworthy perk of this card is a Global Entry or TSA PreCheck application fee credit every four years worth up to $100. You can also redeem your points for actual cash in the form of a check, but points are worth less if you go this route. You can redeem your points for travel by transferring them to one of Capital One's airline and hotel partners (like Air France-KLM Flying Blue and Air Canada Aeroplan), or you can use them to redeem any recent travel purchases. Cardholders earn unlimited 2X miles on every purchase, plus 5X miles on hotel and rental cars booked through Capital One Travel. This card offers one of the best rewards programs for travel, especially hotel bookings. Who's this for? The Capital One Venture Rewards Credit Card is a great choice for travelers that aren't loyal to a particular hotel chain.
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