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6 Things To Know About the New Wells Fargo Autograph Journey Credit Card

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If you’re looking for a rewards credit card , Wells Fargo has a new card that may grab your attention.

The Wells Fargo Autograph Journey SM Card launched in March 2024 with “frequent travelers” in mind.

It features rewards bonuses for spending categories such as airlines, hotels, dining and general travel.

And with a $95 annual fee, it is priced to compete with the Capital One Venture Rewards Credit Card and Chase Sapphire Preferred ® Card . Both of those cards make our list of best travel credit cards . Will this card join them?

Wells Fargo Autograph Journey SM Card: 6 Things To Know

Let’s take a look at some key things you need to know about Wells Fargo’s latest card offering to help you decide if it’s worth adding to your wallet.

1. The Rewards Program Is Structured To Benefit Travelers

As mentioned earlier, Wells Fargo is trying to target frequent travelers with this credit card. So, it makes sense that the rewards multipliers are tilted heavily in favor of spending categories that are associated with being on the move.

Here’s a quick breakdown of the rewards multipliers:

There are no spending caps on any of the categories, so your chances to earn points are unlimited.

2. This Is Different Than The Existing Wells Fargo Autograph Card

If the name “Wells Fargo Autograph Journey” sounds familiar to you, it probably is because Wells Fargo already has a credit card that is branded with the Autograph name.

The Wells Fargo Autograph SM Card is a no-annual-fee credit card that offers cardholders 3x points on popular spending categories, including travel. It’s a good card in its own right. Team Clark has it rated as one of the best options for no foreign transaction fees .

The Autograph Journey card also has no foreign transaction fees, which is a must for people who travel internationally.

To help differentiate the two cards, you’ll notice that the branding and color scheme for the new Autograph Journey card is slightly different:

3. The Card Features a Solid Welcome Bonus, But The Spending Requirement Could Get You

Wells Fargo says that Autograph Journey cardholders will be eligible for a welcome bonus worth 60,000 points.

To earn these points, you’ll have to spend at least $4,000 with the card in the first 3 months of card membership. That’s not unreasonable compared to some other travel credit cards, but it’s still an average of more than $1,300 per month.

If you have a large purchase to make for an upcoming trip, you may be able to clear a good portion of the welcome bonus while also earning top multipliers on your airline and hotel bookings.

4. You Can Earn More than Half Your Annual Fee Back Each Year With This Perk

Wells Fargo is offering a $50 annual statement credit for airfare purchases. Simply use the card to make an airfare purchase to qualify.

If you travel enough to consider getting a travel card, there’s a very good chance that you’ll make at least one airline purchase per year that will earn you this statement credit.

Doing so will effectively cut the annual fee to $45.

5. Wells Fargo Allows Points Transfer with This Card

In conjunction with its announcement of this new card, Wells Fargo also unveiled that it will be launching a new online rewards redemption option for its points-based credit cards.

The program, titled Points Transfer, will allow cardholders to transfer their Wells Fargo Rewards points as miles, points, or credits to participating partner loyalty programs.

The Points Transfer program is set to go live on April 4, 2024.

According to the announcement, the partner rewards programs included at launch will be:

• Choice Privileges®
• Air France – KLM Flying Blue
• avianca lifemiles
• British Airways Executive Club
• Iberia Plus

That list is missing some key brands and is a little underwhelming when compared to the travel portal points transfer options offered by competing card issuers like American Express, Chase and Capital One.

But Wells Fargo says that “more partners will continue to be added throughout the year.”

6. The Travel Cancellation Protection Perk Could Be Useful

Points multipliers and statement credits for travel-related purchases are a great start to a travel credit card, but Wells Fargo is also working travel protection into the equation:

“Travel protection benefits, including trip cancellation, which allows you to get reimbursed up to $15,000 for lodging, flights, and activities if the trip is canceled for a covered reason.”

You simply need to book your travel by paying with the credit card to be eligible for the coverage. Of course, a key element to travel cards that offer this type of protection is carefully reading the fine print on which purchases are covered and what a qualifying event could be for your trip.

Do the perks for this new credit card interest you? Would you do business with Wells Fargo in order to receive them? We’d love to hear your thoughts in the Clark.com community .

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Capital One Journey Student Card Review: No Longer Available; Still Great for Current Cardholders

What’s on This Page

The bottom line, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

This card offers simple flat-rate rewards, with a bonus for paying on time. You don’t even have to be a student to apply, so consider it if you have average credit.

Rewards rate

Bonus offer

Ongoing APR

APR: 29.99% Variable APR

Cash Advance APR: 29.99%, Variable

Balance transfer fee

$0 at this Transfer APR

Foreign transaction fee

• Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Enjoy no annual fee, foreign transaction fees, or hidden fees
• Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
• Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
• Pick the monthly due date that works best for you
• Pay for Amazon.com purchases using your Capital One rewards
• Pay for online purchases with virtual card numbers and keep your actual card number to yourself
• Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
• Build your credit with responsible card use

Pros and Cons

No annual fee

Qualify with average credit

Reports to the three major credit bureaus

No foreign transaction fees

Earns rewards

» This page is out of date

The Journey Student Rewards from Capital One is no longer on the market.

With the Journey Student Rewards from Capital One , you can build credit as a college student while earning cash back — no spending acrobatics required. Boasting rewards for paying on time, this card makes it easy to establish good habits early on. Here’s what you should know before applying.

» MORE: A guide to Capital One's credit cards for college students

Journey Student Rewards from Capital One : Basics

Card type: College student .

Annual fee: $0 .

Bonus: None .

Rewards: You’ll earn 1% cash back on all purchases, plus a 0.25% bonus every month you pay on time. That adds up to 1.25% in cash back. Also earn an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

APR: The ongoing APR is 29.99% Variable APR .

Foreign transaction fee: None.

Other perks:

Payments reported to three major credit bureaus (TransUnion, Equifax and Experian), which helps you build credit.

Unlimited access to your credit score through the CreditWise tool.

Virtual card numbers from Eno , Capital One’s assistant, can be used to pay for online purchases to keep your card number secure.

A card-lock feature keeps your card safe if it is misplaced, lost or stolen.

Travel and retail benefits such as travel accident insurance, auto rental collision damage coverage, 24-hour travel assistance and extended warranty protection. (Benefits may change over time.)

» MORE: Capital One credit cards mobile app review

The Journey Student Rewards from Capital One requires you to have at least average credit to qualify. If you can meet that requirement, it's worth considering this card. Here's why it might be a good fit:

A potential credit line increase

If you make your payments on time, you can be automatically considered for a credit limit increase in as little as six months. Gaining more available credit may also give your credit score a boost , assuming you continue to only use a small amount of it.

A rewards boost for on-time payments

The card's baseline rewards rate is 1% cash back on all purchases, but you can earn an additional 0.25% (for a total of 1.25%) cash back in each billing cycle if your account is not past due on the last day of that cycle. That's below the industry-standard flat rate of 1.5% back , but it's still decent for a student card. If you're the type of person who always turns things in on time, from assignments to bills, this deal can help you save even more. On top of that, you can earn 5% cash back on hotels and rental cars booked through Capital One Travel, the issuer's online travel-booking portal.

A credit monitoring tool

You can track your credit score with CreditWise, a free app from Capital One available for iPhone and Android devices. You’ll get unlimited access to your credit score, and you'll be notified of changes to your credit report and potential threats to your personal information. The tool alerts you when your Social Security number is used with a new name or address. It also scans the dark web and alerts you if it finds your Social Security number or email address there.

Want to travel abroad for a semester? With the Journey Student Rewards from Capital One on hand, you won't incur expensive fees tacked onto each purchase. You could save a few dollars for each transaction this way — which, over the course of a few months, could add up to hundreds. As a Visa, the card is also widely accepted abroad.

Travel and retail benefits

With 24-hour travel assistance services, you can get your card replaced if it’s lost or stolen. And the travel accident insurance covers a loss when you use your credit card to purchase your fare. You can also stress less about a rental car being stolen or damaged because the auto rental collision coverage may reimburse you if that happens. (Terms apply. Benefits may change over time.)

The Journey Student Rewards from Capital One might not be the best card for all students. If you have better-than-average-credit or if the card isn't a match for your spending, consider other options.

Here are a few reasons why you might consider a different credit card:

Low rewards rates

The Discover it® Student Cash Back , for example, earns 5% cash back in rotating categories on up to $1,500 in quarterly purchases (activation required; all other purchases earn 1% back). The card also comes with free FICO scores, security alerts and no foreign transaction fees. Discover notes that there's no FICO history requirement for this card. It has a $0 annual fee.

The Citi Rewards+℠ Student Card offers an introductory 0% period for purchases — a rare benefit on a student credit card. It earns 2 ThankYou points per $1 spent at supermarkets and gas stations (on up to $6,000 spent annually) and 1 point per $1 spent on all other purchases. Plus, all purchases are automatically rounded up to the nearest 10 points.

Traditional credit requirements

If you lack a U.S. credit history, a Social Security number or both, the Deserve® EDU Mastercard for Students can be an excellent starter card. The issuer uses its own underwriting process to evaluate applications based on alternative criteria. The card earns 1% cash back on all purchases and it even offers some perks, too. It has a $0 annual fee. Terms apply.

For even more card options, take a look at NerdWallet's best-rated credit cards .

If you’re looking for high rewards rates or low interest rates, the Journey Student Rewards from Capital One may not be the best choice for you. But if you’re seeking a simple, $0 -annual-fee card that can help you build your credit and eventually qualify you for better terms, this is a very good starter card.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

If you're building or rebuilding credit, you might be better off getting a secured credit card. These cards require a cash security deposit, which makes them easier to apply for. Capital One's secured card deserves a look because of its flexible deposit requirements.

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions

The Journey Student Rewards from Capital One is a good option for those new to credit. It’s a simple $0 -annual-fee card that can help you build credit and eventually qualify for better terms. If you’re after high rewards, though, other student credit cards may be more generous.

The Journey Student Rewards from Capital One helps you build credit by reporting your payments to all three credit bureaus, TransUnion, Equifax and Experian. It also incentivizes paying on time. You get 1% cash back on all purchases, plus an additional 0.25% in any month when you pay on time. That’s up to 1.25% cash back. It’s also well-equipped to travel abroad with no foreign transaction fees. It has a $0 annual fee.

You do not have to be a student to qualify for the Journey Student Rewards from Capital One .

The Journey Student Rewards from Capital One offers automatic credit line reviews, which allow you to be considered for a higher credit limit in as little as six months after opening your account.

The Journey Student Rewards from Capital One reports payments to TransUnion, Experian and Equifax. These companies record your payment history. With on-time payments, you can have a positive impact on your credit score.

About the author s

Claire Tsosie

Melissa Lambarena

Best Chase credit cards of June 2024

If you’re looking for great cash-back rates and valuable transferable reward points, consider our top picks for the best Chase credit cards. Chase offers a wide selection of credit cards for all customers, whether you’re looking for the easiest cash-back option or a premium travel card. Chase also makes it easy to combine rewards across multiple accounts, so holding more than one Chase card can allow you to maximize your earning strategy — especially if you’re interested in maximizing Chase Ultimate Rewards points.

With so many card options available, you’re sure to find a Chase card that fits your wallet — so check out the list below of offers from our partners compiled by our team of travel experts. 

• Chase Sapphire Preferred® Card : Best for overall mid-tier cards
• Ink Business Preferred® Credit Card : Best for business travelers
• Chase Sapphire Reserve® : Best for dining and travel insurance
• Ink Business Cash® Credit Card : Best for office supplies and technology services
• Chase Freedom Flex℠ : Best for rotating bonus categories
• Southwest Rapid Rewards® Priority Credit Card : Best for frequent Southwest flyers
• Southwest Rapid Rewards® Plus Credit Card : Best for a lower annual fee
• Ink Business Unlimited® Credit Card : Best for no annual fee business card

Browse by card categories

Comparing the best credit cards, more details on the best credit cards, maximizing chase credit cards, how we rate, what is chase, how to choose the best chase credit card, ask our experts, pros + cons of chase credit cards, frequently asked questions, chase sapphire preferred® card.

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card .

• You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 point per dollar on everything else. 

• Annual $50 hotel statement credit when booked through Chase Travel
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
• The card comes with a $95 annual fee
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus, earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card .

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
• Access to the Chase Ultimate Rewards portal for points redemption
• Reasonable $95 annual fee; bonus categories that are most relevant to business owners
• Primary car insurance; and perks including cellphone and purchase protection
• Extended warranty
• Trip cancellation/interruption insurance; trip delay reimbursement
• High spending needed to get 100,000-point sign-up bonus
• No travel perks
• Subject to Chase's 5/24 rule on card applications
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Chase Sapphire Reserve®

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full  review of the Chase Sapphire Reserve .

• Access to Chase Ultimate Rewards hotel and airline travel partners
• 10 points per dollar on hotels and car rentals through Chase Travel, 10 points per dollar on dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Chase Travel portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
• 50% more value when you redeem your points for travel directly through Chase Travel℠
• $300 Annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
• Steep initial $550 annual fee
• May not make sense for people that don't travel frequently
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Ink Business Cash® Credit Card

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. On top of that, the Ink Business Cash card also offers automatic credit limit increase assessments every six months — and sometimes even sooner — to suit the needs of growing businesses. Read our full review of the Chase Ink Business Cash card .

• The current sign-up bonus on this card is an impressive up to $750.
• There is no annual fee which is perfect for small business owners.
• You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.
• 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases

Chase Freedom Flex℠

The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full  review of the Chase Freedom Flex .

• The generous sign-up bonus is impressive for a no annual fee card.
• The card features several categories that earn 5% cash back on travel purchased through Ultimate Rewards and rotating quarterly bonus categories and 3% back on dining and drugstores.
• Your phone is protected against theft or damage for up to $800 per claim (up to $1,000 per year) when you pay that bill with the card.
• You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases.
• This card charges foreign transaction fees so it's best to use it within the U.S.
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Southwest Rapid Rewards® Priority Credit Card

While other airlines’ top credit cards have annual fees toppling over $500 per year, the Southwest Rapid Rewards Priority Card comes with just a $149 annual per year. If Southwest is your airline of choice, you’ll receive a number of perks every year: a $75 Southwest travel credit and 7,500 points on your cardmember anniversary. These benefits alone make up the annual fee for frequent Southwest flyers. For every $10,000 spent on this card, you’ll earn 1,500 Tier Qualifying Points, fast-tracking your way to A-List Status. Read our full review of the  Southwest Rapid Rewards Priority Card .

• Travel and purchase protections through Chase.
• $75 annual Southwest travel credit.
• 7,500 points on each cardmember anniversary.
• 20% inflight discount on food, drinks and WiFi.
• Ability to earn A-List status faster by spending on this card
• $149 annual fee.
• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.

Southwest Rapid Rewards® Plus Credit Card

The Southwest Plus credit card is a great starter card for those who are loyal to the carrier. Read our full review of the Southwest Rapid Rewards Plus Credit Card .

• Earn 3,000 points each year after your cardmember anniversary
• Extended warranty and purchase protection
• Secondary car rental insurance and collision damage waiver.
• Baggage delay insurance
• Up to $3,000 in reimbursement for lost luggage
• Roadside dispatch
• Travel accident insurance via Visa Signature
• $69 annual fee
• 3% foreign transaction fee
• Flight redemption limited to U.S., Caribbean and Central American destinations
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.

Ink Business Unlimited® Credit Card

The Ink Business Unlimited’s sign-up gives you a generous $750 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card and the Ink Business Preferred® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card .

• No annual fee
• Flat 1.5% cash back on all purchases
• Primary insurance for car rentals
• 0% introductory APR for the first 12 months on purchases (then a variable APR of 18.49% - 24.49% applies)
• Higher spend to receive sign-up bonus
• No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
• No travel protections
• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

The Chase Sapphire Preferred is one of the best travel rewards credit cards available. It offers comprehensive travel protection plus elevated rewards on travel and dining purchases while maintaining a reasonable $95 annual fee. 

New travel credit card users who are looking to earn transferable rewards without committing to a high annual fee would be a great fit for the Chase Sapphire Preferred.

“The Chase Sapphire Preferred has been in my wallet for 5-plus years and is the go-to midlevel rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earning rates on dining and travel as well as streaming services makes it a good choice for a millennial like me. Finally, I like using this card when renting cars, as it provides primary rental car insurance and a little more peace of mind.” —  Matt Moffitt , senior credit cards editor

Transferable points are often considered the golden currency in the travel reward world, but if you find that you prefer American Express travel partners, the American Express® Green Card offers a comparatively low annual fee while still allowing you to earn on travel, restaurants and more.

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

You get tons of perks for a $95 annual fee. Instead of having to spend $15,000 to qualify for the 100,000 bonus points offer, new cardholders can qualify for the bonus points by spending $8,000 within the first three months of account opening.

Although this is primarily a business card, it’s also a great travel card as well. Frequent flyers who book trips through Chase’s Ultimate Rewards can maximize the value of their earned points when booking travel through the Ultimate Rewards portal. The best part? The cash back you earn doesn’t expire as long as your account remains open.

“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I’ve found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter , senior writer

The Chase Ink Business Cash® Credit Card is a good option if you want to avoid paying an annual fee and want to earn 5% cash back on the first $25,000 you spend at office supply stores, on internet, cable and your phone bill, 2% cash back on the first $25,000 you spend at gas stations and restaurants plus an unlimited 1% cash back on every other purchase you make.

The Chase Sapphire Reserve is a premium travel card with matching benefits. The card offers an elevated earning rate on many bonus categories, includes premium lounge access and features a  $300 annual travel credit . For just about any traveler, the Chase Sapphire Reserve is a solid pick.

Frequent flyers will find the Chase Sapphire Reserve to be a great addition to their wallet, thanks to its travel perks and benefits. 

“The Chase Sapphire Reserve is a no-brainer for me. My top two spending categories are travel and dining, and this card lets me earn 3 points per dollar in both of these categories. Then, I can transfer these points to one of Chase’s 14 travel partners or redeem them for a generous 1.5 cents apiece through the Chase travel portal or Pay Yourself Back program. The card has a high annual fee, but I don't mind paying it thanks to perks like a $300 travel credit, Priority Pass lounge access and impressive travel protections.” —  Benji Stawski , former senior reporter

If you’re looking for a more luxury-focused travel card, consider The Platinum Card® from American Express instead. The Amex Platinum comes with more benefits, travel credits and lounge access — as well as a higher annual fee of $695 (see rates and fees ). 

The Ink Business Cash offers a great introductory offer, no annual fee and multiple elevated reward rates. In addition, you can increase the value of your rewards by transferring rewards to an eligible Chase card that earns Ultimate Rewards points.

New business owners who are looking to separate their business and personal expenses while earning rewards on a card with no annual fee should consider the Ink Business Cash card. 

The Ink Business Cash card offers elevated cash-back rates on regular business categories and a solid sign-up offer, all with no annual fee. When combined with a higher-end Ultimate Rewards card, the Ink Business Cash is a no-brainer for any small-business owner looking to maximize their rewards earning.

If you’re looking for a no-annual-fee business card but have varied spending habits, consider the Ink Business Unlimited® Credit Card . That card earns an unlimited 1.5% cash back on all spending and features a similar introductory bonus.

The Chase Freedom Flex makes cash-back earning easier than ever. You can earn elevated cash back on dining and travel, but every quarter, the Freedom Flex also earns 5% back on up to $1,500 in combined purchases at a rotating selection of merchants (after activation). 

The Chase Freedom Flex is a great addition to any beginner’s wallet since it has no annual fee and offers a large spectrum of elevated cash-back categories.  

“I love when a cash-back card is more than a cash-back card, and that's definitely the case with the Chase Freedom Flex. I can effectively convert the cash-back rewards on this card into fully transferable Ultimate Rewards points, since I also have the Chase Sapphire Reserve — opening up fantastic redemptions like luxury World of Hyatt properties and top-notch premium airplane cabins.” —  Nick Ewen , director of content 

If you know your spending habits do not align with the quarterly bonus categories offered by the Chase Freedom Flex, consider the Chase Freedom Unlimited® instead. You will still earn the same elevated rate on travel and dining but you get 1.5% cash back on all other purchases instead of 1%. 

The Southwest Priority card is a great card for Southwest loyalists who can maximize the card’s perks and benefits. Some notable features include an annual bonus of 7,500 Rapid Rewards points (valued at $113, according to TPG’s valuations ), a $75 annual Southwest travel credit and four upgraded boardings per year. 

Southwest loyalists can easily justify the Priority’s annual fee with the anniversary point bonus, travel credit and other perks. 

Any Southwest loyalist should add the Priority card to their travel wallet, as the perks and benefits easily pay for the annual fee every year. 

If you still want a Southwest card but find that you don’t need all of the perks on the Priority, consider the Southwest Rapid Rewards® Premier Credit Card , which offers similar perks with a lower fee. 

The information for the Southwest Rapid Rewards Premier has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Southwest Rapid Rewards Plus credit card is a great starter card for Southwest travelers thanks to its low annual fee. In addition to earning bonus points on Southwest purchases, the card comes with two EarlyBird check-ins annually and bonus points for each account anniversary.

If you’re a casual Southwest flyer (at least once a year), you’ll likely benefit from the perks on the Southwest Rapid Rewards Plus card. 

For beginner travelers who occasionally fly Southwest, adding the Southwest Plus card can be a great way to expand your travel card collection. 

If you’re looking for more benefits from your Southwest credit card, consider the Southwest Rapid Rewards® Premier Credit Card which features a higher annual bonus upon card renewal and additional benefits when flying the carrier. 

There is no easier cash-back business card than the Ink Business Unlimited, as you’ll earn 1.5% back on all purchases. In addition, it features a generous introductory annual percentage rate period and primary insurance on business-related car rentals — all for no annual fee. 

Small-business owners who want a simple business card will benefit from the Ink Business Unlimited’s flat reward rate.

“I have the Chase Ink Business trilogy — the Ink Business Cash Credit Card, Ink Business Preferred Credit Card and Ink Business Unlimited cards. The first two cards maximize my points-earning on things like office supply, internet and phone purchases, whilst the Ink Unlimited covers everything else, with a flat 1.5% earning rate. The fact that I have the Ink Preferred means I can convert my cash back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come.” — Matt Moffitt , senior credit cards editor

If your business has more specialized purchases that align with the Ink Business Cash® Credit Card , it can be a better fit, as the bonus categories have higher earning rates than the Ink Business Unlimited’s flat 1.5%. 

Decide the type of rewards you want to earn

Chase offers a wide range of credit cards — including ones that earn the issuer’s own Ultimate Rewards points as well as cobranded products with partners like United and Marriott . You could even opt for a top cash-back card if you don’t want to mess with travel rewards. Before you apply for a Chase credit card, consider what type of rewards are most useful for you. Many travelers will benefit from the flexibility of Chase Ultimate Rewards, though everyone’s situation is different.

Earn the welcome bonus

Once you’ve pulled the trigger on applying for a new card, it’s critical to ensure you hit the minimum spending requirements to earn the welcome bonus. Most Chase credit cards give you at least three months to do so, but it’s critical to plan your spending accordingly. In some cases, the bonus can get you over $1,000 worth of rewards, so missing out on it can be a major setback for your travel planning.

Add new cards to maximize your earning potential

Getting a top Chase credit card can unlock valuable rewards, but if you really want to take your card strategy to the next level, consider adding more than one to your wallet. While managing multiple credit cards takes added effort, it can also expand the number of points or miles you can take home. You can use one card to earn bonus points on travel and dining, for example, and then another card can give you extra rewards at drugstores. In fact, Chase cards feature prominently in our guide to the best credit card pairings .

Chase, also known as JPMorgan Chase Bank, is a large American national bank. It offers a large variety of banking and investment products for both consumers and small businesses — including a wide range of credit cards. 

Types of Chase credit cards

Chase offers a large selection of credit card products. Some notable types are defined below.

Travel credit cards are typically tailored to travelers, offering more rewards on travel purchases and providing additional protection and value-added perks. For example, the Chase Sapphire Reserve® offers an annual $300 travel credit, which can help lower the out-of-pocket cost of your trips. In addition, it offers extensive travel protection when things go wrong, along with lounge access — both perks that can make your next trip a simpler process. 

Cash-back credit cards earn a percentage of cash back on each purchase you make. Some — like the Ink Business Unlimited® Credit Card — offer a simple, flat cash-back rate on all purchases. This could be a great fit for someone who is looking for a straightforward earning structure without needing to worry about maximizing bonus categories.

Other cards — like the Chase Freedom Flex℠ — feature bonus categories which help those who have more tailored spending habits get the most return on their spending.

But the best part about Chase is that you can effectively convert your cash-back rewards into fully transferable (and more flexible) Ultimate Rewards points, simply by having a higher-end Chase card.

A “starter” credit card typically refers to a simple product that’s relatively easy to get. Generally these don’t impose an annual fee, and they offer basic cash back so as not to overwhelm a new entrant into the world of credit cards.

One such card would be the Chase Freedom Unlimited®, as it earns an unlimited 1.5% back on all purchases plus an elevated rate on travel and dining, two big expense categories for many people. With no annual fee, even the newest credit card user can find many benefits with the Freedom Unlimited. 

Business credit cards typically offer business-focused perks and elevated earning rates on business spending. These cards are a great way to keep your business expenses separated from your personal expenses and earn on what you are already spending. Chase offers multiple business products under the Ink family of credit cards .

Business owners will have to look over their spending and see which card will help them earn the most on their current expenses.

Finally, cobranded credit cards are issued by a bank in partnership with another organization. The cards typically feature brand-specific rewards and benefits, most frequently with travel companies. For example, Chase issues cobranded cards with United Airlines, Southwest Airlines and the World of Hyatt loyalty program.

However, it can also partner with a lifestyle brand — as it’s done with the Instacart Mastercard®  and DoorDash Rewards Mastercard® .

How to apply for a Chase credit card

You can apply for a Chase credit card online, by mail or in person at a Chase bank. You'll need some basic information like your social security number and gross annual income. Here's what else you should know before you submit an application.

The Chase 5/24 rule is infamous in the credit card world. While Chase has never publicly published this policy, data has proven that it almost always applies.

In short, Chase will not approve new applicants who have opened five or more personal credit cards within the last 24 months. This applies to all bank cards, not just Chase cards. You generally have to be under this number to be approved for a new Chase credit card. You can learn more with our full guide to the Chase 5/24 rule .

Chase's 48-month rule states that you're ineligible to earn a bonus on a Chase card if you're a current cardholder of that specific card or if you have already earned a sign-up bonus on a specific card you've had within the last 48 months.

Chase credit card benefits

Chase credit cards come with many benefits and perks. Some notable benefits are highlighted below.

Many Chase cards fit into the Ultimate Rewards ecosystem . However, only three that are available to new applicants earn Ultimate Rewards points: the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card. These Ultimate Rewards points can be transferred to a number of airline and hotel partners but can also be used to book travel directly, making them incredibly valuable when it comes to redemption.

Luckily, if you have one of these products, you can combine your cash-back rewards with your Ultimate Rewards points in a single account — allowing you to maximize your earning. 

Chase is known for some of the best welcome bonuses in the card industry. You can see the current welcome bonus on the card tiles above — and you can refer to our guide with historical offers to see how the current ones measure up.

Travel and shopping protections can be some of the most underrated perks offered by credit card companies. You hope you won’t need to use them, but they can save the day when things go wrong.

One of Chase’s most notable benefits is primary rental car coverage, available on many popular products like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. When you charge a rental car to an eligible card, you’re covered for theft, loss or damage to the vehicle, without needing to invoke your personal insurance. 

Related: Best credit cards with travel insurance

One of the most notable features of Chase cards is their pairability, thus maximizing the reward potential for your wallet. It is worth considering adding multiple Chase cards to your wallet to get the best return on your spending.

There are multiple strategies for pairing Chase cards, but one of the most popular is commonly known as the Chase Trifecta — the Chase Sapphire Reserve®, Ink Business Preferred® Credit Card and Chase Freedom Unlimited®. However, the best combination of cards should be tailored to your spending and specific reward needs.

That being said, you’ll almost certainly want to feature the Sapphire Reserve, Sapphire Preferred or Ink Business Preferred in your strategy to ensure you’re earning fully transferable Ultimate Rewards points. Then, select the cash-back Chase cards that best match your spending habits.

Related: How (and why) to combine your Chase Ultimate Rewards points into a single account

Redeeming your Chase Ultimate Rewards

Chase Ultimate Rewards points are among the most valuable transferable rewards currencies out there. TPG values Ultimate Rewards points at 2 cents each, but you have the potential to redeem them at a higher rate for the right travel redemption. 

In many cases, the best way to use your Chase Ultimate Rewards points is by transferring them to Chase’s travel partners . Popular programs that can unlock luxury travel experiences include World of Hyatt, Air Canada Aeroplan and United MileagePlus. However, if you don’t want to mess with another loyalty program, using your Ultimate Rewards points directly with Chase Travel can still offer a solid value .

For an in-depth look at how to maximize your Chase Ultimate Rewards points, check out our complete guide . 

• 1 Sign-up bonus Choose a card that aligns with your financial goals — if you’re saving for a big vacation, applying for a card with a generous sign-up bonus may help cover some of the travel costs for that trip.
• 2 Annual fee Whether your preference is a card with no annual fee or a premium card with a high annual fee, choose the one that best fits your lifestyle.
• 3 Bonus categories Choose the card that earns rewards in your most frequently used bonus categories like groceries, gas and streaming subscriptions.

What's your favorite Chase card — and why?

• Using Chase credit cards responsibly can help you build your credit score.
• Chase credit cards can earn points, miles or cash back on every dollar you spend.
• Some Chase credit cards provide purchase, theft and fraud protection.
• Select Chase credit cards provide perks like travel insurance, lounge access and more.
• Chase credit cards can encourage overspending.
• Carrying a balance and using your Chase card irresponsibly can damage your credit score.
• The cost of borrowing on Chase credit cards is higher than traditional loans.
• Having too many card applications can negatively affect your credit score.
• Chase has some of the most stringent application restrictions of any issuer.

There’s no single Chase credit card that’s best for everyone. Instead, it will depend on your spending habits and what rewards you are looking for. Luckily, Chase cards are easy to pair and maximize, so you can consider adding multiple cards to your wallet.

To apply for any Chase card on this list, you can click on the card’s name, photo or “Apply Now” link to the right of the card. Then, simply follow the on-screen instructions to complete (and submit) your application.

Chase doesn’t have an official limit on the number of Chase cards one person can have. In fact, many TPG staffers have had several Chase credit cards at the same time. However, Chase does limit the amount of total credit it will extend to you. It also has the 5/24 rule (more on that below). Finally, as a general rule of thumb, you can only be approved for one personal card and one business card within 90 days — but even that’s not a hard-and-fast rule.

There are also different application rules for specific Chase cards. You can only hold one Sapphire card at a time. You can only have a single personal Southwest credit card; however, you can hold both a Southwest business card and personal card, which is a great way to earn the Southwest Companion Pass.

For more details on Chase’s application rules, read our guide to credit card application restrictions .

That being said, having a score of at least 700 will give you the best chances of being approved for the top Chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.

To cancel a Chase credit card, you’ll need to call the number on the back of your card. A phone agent can help you complete the cancellation process. However, be sure to use (or transfer) all of your rewards first, since you may forfeit them after canceling (or shortly thereafter). Pay off any outstanding balances, and be sure to update your account with any merchants that automatically bill the card you’re closing.

Just note that canceling a credit card should not be taken lightly, as it can affect your credit score. You can check out our guide to how to cancel a credit card to help you determine if you should go this route.

Chase does not publish an official score for approval, but our data suggests that a score of at least 670 will increase your chances of getting approved. In addition, rewards credit cards generally require a higher credit score for approval, typically 720-plus.

Having a score of at least 700 will give you the best chances of being approved for the top Chase credit cards. Of course, it’s possible to be approved with a slightly lower score; it’s just not as likely.

Related: How to check your credit score for absolutely free

Other credit cards to consider in place of the Journey Student Rewards from Capital One

Building credit with the capital one journey student rewards card, alternative cards, our methodology.

Why You Can Trust CNET Money

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

Journey Student Rewards from Capital One: Students Can Build Credit at Home or Abroad

College students can use this credit card to build credit and earn cash back.

Jaclyn DeJohn

Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.

The Journey Student Rewards from Capital One has been discontinued. Here are some similar credit card options for students.

Discover it® Student Cash Back

Capital One SavorOne Student Cash Rewards Credit Card

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

The Journey Student Rewards from Capital One* is designed for students looking to build credit with responsible use while earning cash back on purchases.

Though it doesn’t offer the best rewards of any  student credit card , the Journey Student card has a few compelling benefits. With  no foreign transaction fees , it’s a good choice for students studying abroad. It also makes a good  first credit card , with extra cash back incentives for making on time payments. That noted, this card has a particularly high APR at 29.99% variable, so you’ll want to make sure you pay off the balance in full every month.

Otherwise, there’s not much else that’s noteworthy about this card: no  introductory APR , no  welcome bonus , no travel perks. But it’s a decent stepping stone for  improving credit  and setting the stage for a  credit card with better rewards  and perks.

The model is simple and straightforward: Earn 1% on all purchases with the Capital One Journey Student Rewards Card -- with no limit. There are no bonus categories, unlike with most rewards credit cards, which means less to manage and track.

There is, however, a secondary reward: When you make your monthly payment on time, you’ll earn an additional 0.25%, for a total of up to 1.25% cash back. Though other student cards offer higher cash back rates, we appreciate the incentive for students getting started with building credit. Ontime payments are a major component of a credit score.

This card is designed to help students build credit. As such, there are some best practices for cardholders to bear in mind. As with any credit card, using 30% or less of your  credit limit  will have the best impact on your credit score. Known as a “credit utilization ratio,” this ratio makes up  a major part of your credit score. 

That noted, if you find that your monthly spending is regularly exceeding the 30% guideline, you could proactively reach out to Capital One to discuss a credit limit increase.

Otherwise, after six months, Capital One will automatically review your account. If you have been making your payments on time and keeping your balance in check, you may automatically earn a higher credit limit. 

By making your payments on time and keeping your balance relatively low, you should be able to increase your credit score over time.

Though we appreciate the simplicity of the Journey Student Rewards card, you can earn more cash back with student credit cards that offer more complicated rewards programs.

The Discover it® Student Cash Back* is the best way to earn the most cash back for most students. You earn the standard 1% on all purchases, and 5% on everyday purchases at select rotating locations each quarter when you activate, on up to $1,500 of spending each quarter, then 1%. Select locations have included grocery stores, gas stations, restaurants, Target, Walmart, Amazon and more. Just as significant is the Unlimited Cashback Match™ welcome bonus, which essentially doubles your cash back earned at the end of your first year.

To learn more about the rotating category and other perks, see our full review of the  Discover it Student Cash Back  card. 

The Capital One SavorOne Student Cash Rewards Credit Card* offers the same 1% on all of your purchases, but with a handful of important bonus categories.

You’ll earn 3% cash back on dining at restaurants, grocery stores (excluding superstores like Target and Walmart) and for entertainment. Entertainment includes movie theaters, sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. There’s also  no annual fee .

What’s more is you’ll get a pretty solid welcome bonus as far as student credit cards go. If you spend $100 in the first three months of opening your account, you’ll earn a $50 cash bonus.

Capital One Journey Student Card lists their acceptable credit history as “fair” -- which would be a credit score between 580 and 669. However, it is not unusual for a student to get approved for a student credit card despite not having previous credit accounts.

Once you graduate, you are eligible to upgrade to a non-student credit card. These cards often offer better rewards and perks. You’ll likely need to provide your income and housing payment information to your credit card issuer first.

Capital One considers anyone currently enrolled at an accredited university, community college or other higher education institution to be a student. You may also be admitted and planning to enroll in the next 3 months.

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card.

* All information about the Discover it Student Cash Back, Journey Student Rewards from Capital One and Capital One SavorOne Student Cash Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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Credit cards

American Express Platinum CLEAR® Plus benefit guide 2024

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

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The Platinum Card® from American Express (terms apply, rates & fees ) is widely recognized as a premier luxury card, known for its wide range of travel credits and exclusive benefits. Amex Platinum cardmembers earn Membership Rewards points, arguably the most valuable reward currency, which can be redeemed for flights, hotels and more. One of its most unique perks is the statement credit for a CLEAR ® Plus membership, worth up to $189 each calendar year (subject to auto-renewal). In this guide, we’ll tell you more about this benefit and how it can enhance your travel experience.

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The Platinum Card® from American Express

Welcome bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Over $1,500 in travel and entertainment credits can offset the annual fee.
• Comprehensive lounge access benefit.
• Generous travel and purchase protections.
• High annual fee and spending requirements.
• Amex’s once-per-lifetime rule limits welcome bonus eligibility.
• Annual statement credits have limited use.

Card details

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Amex Platinum Card overview

The Amex Platinum card is a high-end card that offers a substantial welcome bonus, exclusive travel perks and over $1,500 in statement credits, including an annual CLEAR Plus statement credit of up to $189 and Uber Cash. You can also take advantage of various extras such as an airline incidental fee statement credit and Membership Rewards® points .

The Amex Platinum card is perfect for individuals willing to invest in a higher annual fee of $695 in return for a wide range of rewards and exceptional benefits. While there are many travel rewards cards , none provide as many travel benefits as the Amex Platinum card.

What is the Amex Platinum CLEAR Plus credit?

With the American Express Platinum card’s CLEAR Plus credit, you will receive an annual statement credit of $189, which completely covers the cost of a membership for an entire year. 

Since the credit renews annually, you’ll enjoy a complimentary CLEAR ® Plus membership each year, as long as you use the card to pay for the CLEAR membership enrollment fee (subject to auto-renewal).

About CLEAR Plus

CLEAR is a membership program that offers the convenience of expedited screening at airports, event venues, stadiums and other locations.

CLEAR Plus, also known as “CLEAR,” uses biometric information, such as fingerprints and/or iris scans, to verify members’ identity and bypass the security lines at U.S. airports and venues nationwide.

Although TSA security is still required, CLEAR allows passengers to bypass the step of presenting an ID and instead have their identification verified at a convenient kiosk. Once verified, a CLEAR representative will escort you to the front of the security line.

You can pair CLEAR with TSA PreCheck® to get through airport security even faster. If you have PreCheck you’ll go to the PreCheck screening lane instead of the standard screening. This means shorter lines and you don’t have to remove your shoes or take your laptop out of your carry-on bag. The Amex Platinum Card also offers an application fee statement credit of up to $100 for a Global Entry fee application credit or a statement credit of up to $85 every 4.5 years after you apply for a five-year membership for TSA PreCheck®.

Which credit cards offer trusted traveler credits? Here’s a guide to the best credit cards for Global Entry and TSA PreCheck

How does the Amex Platinum CLEAR Plus credit work?

To be eligible for the up to $189 statement credit for a CLEAR Plus membership, you must apply for CLEAR Plus online, pay the $189 membership fee using your qualifying Amex Platinum card and complete your enrollment at an airport kiosk. 

After the payment is processed, you can expect to receive your statement credit within a few days. However, please note that American Express has mentioned it may take up to 6-8 weeks in some cases.

How to use your Amex Platinum CLEAR Plus credit

Using your Amex Platinum CLEAR Plus statement credit is quite simple. 

To get started, you’ll need to apply for CLEAR ® Plus . Applicants must be at least 18 years old and the online application process can be completed in just a few minutes. 

After completing the application, you must use your Amex Platinum card to qualify for the credit. 

After completing enrollment and payment, you can easily finalize enrolling in CLEAR Plus by visiting any CLEAR airport location during your next flight. No appointment is necessary, but remember to bring your government-issued I.D..

During the final enrollment process, a CLEAR representative will kindly assist you by scanning your face, logging your fingerprint and requesting a copy of your boarding pass. The process only takes a few minutes of your time, so there’s no need to arrive excessively early for your flight just to complete your CLEAR enrollment.

Maximizing your CLEAR Plus credit: Get multiple memberships with your CLEAR benefit

The regular cost for a CLEAR Plus membership is $189 per year. Nevertheless, there are strategies to maximize your CLEAR Plus credit and get a reduced rate on a CLEAR Plus membership.

To begin, every person 18 or older must have their own CLEAR Plus membership if they want to enjoy expedited screening through CLEAR. Children under 18 are not required to have their own CLEAR Plus membership. Instead, they are automatically covered under their parent’s CLEAR Plus membership.

Since your Amex Platinum card only gives you one CLEAR Plus credit per year, here are some other ways to get a complimentary or discounted CLEAR Plus membership. 

• Annually, Delta SkyMiles Diamond Medallion® members receive a complimentary CLEAR Plus membership. 
• Annually, United MileagePlus Premier 1K members receive a complimentary CLEAR Plus membership. 
• Delta SkyMiles Platinum, Gold and Silver Medallion members and those who possess a co-branded Delta SkyMiles Credit Card can purchase a discounted CLEAR Plus membership for $149.
• United MileagePlus Platinum, Gold and Silver Premier members and those who have a co-branded United MileagePlus Credit Card can get a discounted CLEAR Plus membership for $149.
• Members of the Delta SkyMiles or United MileagePlus loyalty programs receive a $179 annual discount on CLEAR Plus membership.
• Active duty military personnel and veterans can enjoy a CLEAR Plus membership for $99 annually.

Additional Amex Platinum benefits worth noting for your next trip

Marriott and hilton elite status.

As one of the best travel rewards cards , the Amex Platinum card allows you to obtain mid-tier elite hotel status with two of the biggest hotel chains in the world just for keeping your card. 

The Platinum Card provides a range of travel perks, including Hilton Honors Gold and Marriott Bonvoy Gold elite status (upon enrollment). This elite status may include perks such as bonus points, upgrades and complimentary breakfast when staying at Hilton and Marriott hotels.

Up to $100 statement credit for enrolling in Global Entry or TSA PreCheck

In addition to CLEAR Plus, most passengers enroll in TSA PreCheck to get the best possible expedited screening at the airport. With this combo, you can quickly go to the front of the TSA line and avoid a long security queue. 

In addition to the annual up to $189 CLEAR Plus statement credit that comes with the Amex Platinum card, cardholders may also get either a credit for Global Entry ($100) every four years or a credit for TSA PreCheck ($85) every 4.5 years (for a 5-year TSA PreCheck plan only). 

Note that you receive TSA PreCheck automatically when enrolling in Global Entry, so for most people it’s best to register for Global Entry and take advantage of a seamless screening process next time you’re at the airport. 

Access to Airport Lounges

Worldwide lounge access is not limited to flying a specific airline or purchasing a business or first-class ticket. With your Amex Platinum card, you can access over 1,400 lounge properties in 140 countries worldwide. This includes the extensive network of Priority Pass lounges (enrollment required) and access to Amex’s swanky Centurion Lounges , along with the Delta Sky Clubs (available when flying Delta on the same day).

Travel protections

If any issues arise during your travels, rest assured that Amex Platinum cardmembers are provided with comprehensive travel protections.

If your trip is delayed for over six hours due to a covered reason, you may be eligible for reimbursement of up to $500 per covered trip, with up to two claims per consecutive 12-month period¹. Even worse, if your trip is canceled or interrupted for a covered reason, you may be able to get up to $10,000 back per covered trip and $20,000 back per card every 12 months².

Frequently asked questions (FAQs)

An up to $189 CLEAR Plus statement credit is available on four American Express cards: The American Express Platinum Card, the American Express Corporate Platinum Card, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) and the American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply).

All information about American Express® Green Card and The Business Platinum Card® from American Express has been collected independently by Blueprint.

The CLEAR Plus airport service costs $189 per year, while the general CLEAR service is available for free at stadiums and arenas across the U.S. after signing up and downloading the app.

If you often travel from participating airports and value efficiency in getting through security, CLEAR Plus is a worthwhile investment — especially when you can get it for free.

While CLEAR is a private company that operates at more than 50 airports, stadiums and other events nationwide, TSA PreCheck is provided by the government at more than 200 airports. 

CLEAR can expedite your access into airports, stadiums and other events, whereas TSA PreCheck just speeds up your experience going through airport security.

You will receive a complimentary CLEAR ® Plus membership each year you hold certain Amex cards, such as the Amex Platinum card, as the credit renews each year (enrollment is required). The American Express CLEAR Plus credit provides a $189 statement credit that completely covers the cost of a one-year CLEAR ® Plus membership.

For rates and fees for The Platinum Card® from American Express please visit this page .

¹Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

²The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

*The information for the American Express® Green Card and The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Juan is a freelance editor and writer who specializes in topics such as credit cards, travel, and loyalty programs. You can find his writing on a variety of websites like CNN, Forbes, The Points Guy, and many more. When Juan isn’t busy creating content, he loves going on exciting travel adventures around the world with his wife and three young daughters. You can connect with Juan on Twitter and Instagram as @doubledutydaddy.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Capital One Main Navigation

Student credit cards, explore student credit cards.

With student credit cards, you can build your credit with responsible use and earn rewards. See what cards you're eligible for with no impact to your credit score.

See if you’re pre-approved for a student credit card

Explore capital one student credit card benefits. 5.

You won’t pay a transaction fee when making a purchase outside of the United States.

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.

Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.

Stay on top of your spending by receiving a push notification each time a new purchase is approved on your account.

Capital One Shopping is an online shopping tool that automatically applies available coupon codes to your order. Learn more about Capital One Shopping.

Now you can pay for Amazon.com purchases using your Capital One rewards.  Learn more about how to use your rewards at Amazon.

Use your Capital One rewards on eligible purchases at millions of online stores. Learn more about using rewards with PayPal.

Some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See your respective Guide to Benefits for details, as terms and exclusions apply. Capital One Shopping is free for everyone whether or not you have a Capital One credit card.

Set up personalized email or text reminders to help you stay on top of your account.

Set up Autopay for your account and your payments will be made automatically every month.

24/7 access to a list of merchants that charge your Capital One card monthly, like subscriptions and bills on your account at www.capitalone.com

Add an authorized user to your account and track spending by user.  Learn more about authorized users.

Transfer your higher-rate balances onto a Capital One card.  Learn more about balance transfers.

Helpful customer service representatives are available to assist you 24 hours a day.  Contact Capital One Customer Service.

Balance transfer offers are subject to availability.

Manage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise.  Download the Capital One Mobile app.

Wherever you are, Eno keeps an eye on your accounts 24/7, sends alerts when something’s up, and is always ready to answer questions—so you can keep moving. Check your card balance or pay a bill with just a text.

Monitor your credit with CreditWise. It’s free for everyone—whether or not you have a Capital One credit card—and it won’t hurt your score.

CreditWise availability will vary depending on ability to obtain your credit history from TransUnion® and is free for everyone whether or not you have a Capital One credit card.

Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account.

If your card is lost or stolen, you will not be responsible for unauthorized charges.

Pay for online purchases with virtual card numbers and keep your actual card number to yourself. Learn more about virtual card numbers.

Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.

Receive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase.  Learn more about Eno.

Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.

$0 fraud liability claims are subject to investigation and verification. With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions. CreditWise availability will vary depending on ability to obtain your credit history from TransUnion® and is free for everyone whether or not you have a Capital One credit card.

Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. In some cases, you will not be able to access your virtual card until approximately 30 days after account opening, and you may not have access to your full credit line until your physical card is activated. Web access is needed to manage your virtual card number online or in the Mobile app. Virtual cards may not be accepted by all stores. Virtual cards are not available for debit cards and some credit cards.

Student Credit Card FAQs

How do student credit cards work.

Capital One student credit cards offer students the chance to build credit by using their card responsibly to make purchases, making timely payments on their balances and maintaining a healthy credit utilization ratio . Capital One student cards also come with student-friendly perks, like cash back.

Wondering what happens to your account after graduation? No need to get a new card—you can still enjoy all the rewards and benefits your Capital One student credit card has to offer.

Before applying for a credit card, consider getting pre-approved to see which cards you qualify for. It’s quick, easy, and won’t hurt your credit score. And remember: You don’t need a credit score to apply, though we may use credit scores where available.

Are student credit cards only for college students?

You must be at least 18 years of age and a student to qualify for student credit cards. 

You may be eligible for a Capital One student card if you’re enrolled—or admitted and planning to enroll in the next three months—at an accredited university, community college or other higher education institution.

Want to find the best student credit card for you? Getting pre-approved could help you find the right card before you apply.

Which student credit card is right for me?

Choosing the best student credit card for you depends on what you want out of a card. Capital One student credit cards are designed for applicants with little or no credit history—plus they offer no annual fee, hidden fees, or foreign transaction fees. These student credit cards also offer bonuses and let you earn rewards on everyday purchases: 

• SavorOne Rewards for Students features student-friendly perks, like unlimited 3% cash back on dining and at grocery stores—excluding superstores like Walmart® and Target®—and entertainment, including popular streaming services, plus 1% cash back on all other purchases.
• Quicksilver Rewards for Students allows qualifying students to earn unlimited 1.5% cash back on all purchases and a one-time $50 cash bonus after spending $100 on purchases within the first 3 months from account opening.

Consider getting pre-approved to see which cards you qualify for.

How do I know if I’ll be approved for a student credit card?

Several factors—like an applicant’s  credit score , payment history , and income—may influence whether or not someone will be approved for a credit card. 

But if you’re just starting your financial journey, don’t worry. Capital One student cards are designed for students with little or no credit history.

Getting pre-approved could help you see which cards you may qualify for before you apply. And if you’re not a student but want to build credit, check out these other alternatives . 

Will getting pre-approved hurt my credit score?

No, checking to see if you’re pre-approved for a Capital One credit card won’t cause any damage to your credit score. That’s because our pre-approval tool won’t result in a hard inquiry on your credit report, which can temporarily lower your credit score.

Our pre-approval tool will show you the student credit cards you’re more likely to qualify for, too. That way, you can apply with more confidence.

What can I do to help improve my credit score?

There are a few steps you can take to use your card responsibly and help build a better credit score over time: 

1. Use CreditWise by Capital One to monitor your credit score and TransUnion credit report . 2. Make timely payments on your bills each month. 3. Stay below your credit limit—and keep an eye on your credit utilization . 4. Limit new credit applications to prevent hard inquiries on your credit report.

And after implementing these tactics to raise your score, you may consider getting pre-approved for a Capital One credit card to find one that works best for you and your lifestyle.

Cardholder reviews are submitted by validated Capital One cardholders. Some product ratings and reviews may be obtained from customers with different versions of the product displayed above.

With Savor and SavorOne, the 3% earn rate excludes superstores like Walmart® and Target®. You’ll earn the usual SavorOne rewards, but won’t be eligible for bonus cash or 0% intro APR.

The 8% cash back on Capital One Entertainment purchases includes tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor or SavorOne card. The 8% excludes:  tickets purchased through the Capital One cardholder exclusive pre-sales page (www.capitalone.com/pre-sales); (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and (iii) dining reservations or purchases through Capital One Dining. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions. Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.

Now through November 14, 2024, eligible Capital One Savor, SavorOne, SavorOne Student and Quicksilver Student cardholders will earn 10% cash back on qualifying purchases made through the Uber and Uber Eats apps (or dedicated websites) with their eligible card. Additionally, these cardholders will receive a monthly statement credit for each Uber One monthly membership fee fully paid for with their eligible card through November 14, 2024. Qualifying purchases and Uber One monthly membership fees must post to an eligible Capital One account between 12:00 a.m. ET, November 15, 2022, and 11:59 p.m. ET, November 14, 2024. Offer valid in the U.S. only; Uber One monthly membership and purchases through Uber and Uber Eats within the U.S. territories may be excluded. Purchases that post outside of this offer period, purchases made outside of the U.S., Uber gift cards, and Uber One membership fees are not qualifying purchases and are not eligible for the enhanced cash back rewards under this offer; however, these purchases will earn the base rewards earn rate previously disclosed under the terms and conditions of your rewards program. Rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments.  Your account must be open and in good standing to be eligible for these offers. Rewards and each Uber One monthly membership credit, as applicable, will be applied to your account within 1-2 billing cycles. Your eligible card must be open and in good standing at the time of statement credit fulfillment. If you upgrade or change your account to another card, you will not be eligible for this offer. One Uber One membership offer per cardholder. Offer valid for consumer, non-commercial use only; not eligible for Uber Freight or Uber for Business. We reserve the right to disqualify any cardholder from participation in this offer in the event of fraud, abuse, or a violation of the terms as determined at our discretion. Such termination may result in the forfeiture of any benefits or accumulated rewards. Once the credited membership period expires, your Uber One membership will auto-renew every month and your card on file will be charged, unless you cancel your membership prior to November 15, 2024. Uber Terms of Use and Uber Terms and Conditions for Renewable Membership apply.

This one-time bonus is available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders.

Some cardholder benefits are only available to the primary cardholder and not authorized users.

• Investor Relations
• Governance & Leadership

Capital One and Walmart Announce End of Consumer Card Partnership Agreement

Cardholders can continue to use their card and earn and redeem rewards as they do today

MCLEAN, Va. and BENTONVILLE, Ark. , May 24, 2024 /PRNewswire/ -- Capital One Financial Corporation (NYSE: COF) and Walmart Inc. (NYSE: WMT) announced that they have ended the agreement that made Capital One the exclusive issuer of Walmart Consumer Credit Cards. In 2019, Capital One and Walmart introduced the Capital One Walmart Rewards Credit Card Program.

While Capital One and Walmart have ended their card partnership, nothing changes today for cardholders – cardholders can continue to earn and redeem rewards, and previously accrued rewards will retain their value. Until informed otherwise, cardholders can also continue to use their Capital One Walmart Rewards® Card wherever Mastercard is accepted and the Walmart Rewards® Card for purchases at Walmart .

Capital One will retain ownership and servicing of the credit card accounts. Additional information will be provided in the coming months to Walmart credit card holders.

About Capital One Capital One Financial Corporation ( www.capitalone.com ) is a financial holding company which, along with its subsidiaries, had $351.0 billion in deposits and $481.7 billion in total assets as of March 31, 2024 . Headquartered in McLean, Virginia , Capital One offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. Capital One, N.A. has branches and Cafés located primarily in New York , Louisiana , Texas , Maryland , Virginia and the District of Columbia . A Fortune 500 company, Capital One trades on the New York Stock Exchange under the symbol "COF" and is included in the S&P 100 index.

Additional information about Capital One can be found at Capital One About , or on LinkedIn at linkedin.com/company/capital-one/ .

About Walmart Walmart Inc. (NYSE: WMT) is a people-led, tech-powered omnichannel retailer helping people save money and live better - anytime and anywhere - in stores, online, and through their mobile devices. Each week, approximately 255 million customers and members visit more than 10,500 stores and numerous eCommerce websites in 19 countries. With fiscal year 2024 revenue of $648 billion , Walmart employs approximately 2.1 million associates worldwide. Walmart continues to be a leader in sustainability, corporate philanthropy, and employment opportunity. Additional information about Walmart can be found by visiting corporate.walmart.com , on Facebook at facebook.com/walmart , on X (formerly known as Twitter) at twitter.com/walmart , and on LinkedIn at linkedin.com/company/walmart .

SOURCE Capital One Financial Corporation

Investor Relations, Danielle Dietz, [email protected]; Media Relations, Sie Soheili, [email protected], Molly Blakeman, [email protected]