If you are looking for a first-time credit card specifically for students, then you may want to consider the Journey Student Rewards from Capital One with its low fees and high rewards. This card does not have any introductory offer, which means there isn’t an introductory APR. The penalty APR for the Journey Student Rewards from Capital One is also quite high. It has a single APR rate for purchases, balance transfers and cash advances, instead of a range APR. The APR differs depending on the Prime Rate market and your overall creditworthiness.

The Journey Student Rewards from Capital One does not have an annual fee. There also aren’t balance transfer or international purchase fees. This is a good fee structure for a college student credit card. There is a late payment and returned payment fee per occurrence, as well as a cash advance fee. The grace period for this card is 25 days.

The card is a cash back rewards credit card. You receive 1 percent cash back on all purchases. There is also a reward bonus for on-time payment, which means you get a bonus on the 1 percent cash back earned in each billing cycle. There are no caps, and the rewards do not expire. Additionally, while the Journey Student Rewards from Capital One is not a point rewards card, you can redeem the cash back in the form of gift cards, similar to a point-based card.

The services offered by a credit card for college students are just as important as the rewards. As a Journey Student Rewards from Capital One holder, you receive auto-rental insurance when you use the card to rent a vehicle. You also receive extended warranties on select purchases made with your student credit card, which extend the original manufacturer's warranty. In addition, you have $0 liability, which means that if your card is stolen and fraudulent purchases are made with it, you aren't responsible for repayment.

Capital One offers a variety of support options, whether you have questions while you are applying for the credit card or about billing. Capital One offers 24/7 email, chat and phone support. There is a FAQs section on its website, along with additional resources specifically designed for students and those using a credit card for the first time. Capital One also offers emergency credit card replacement.

Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "GO" button, you can review the credit card terms and conditions on the issuer's website. The Annual Percentage Rate or APR is reflective of the date this review was last updated.