Pay your Capital One card through their online portal, by phone, or by mail
Capital One lets you pay your credit card bill in three ways: through their website or mobile app, by calling their customer service line, or by mailing a check. The online method is fastest and shows your payment when ready. Phone and mail payments take longer to process — typically three to five business days — so plan ahead if your due date is soon.
You'll need your account number and either a bank account for electronic transfer or a check. Capital One does not charge a fee for any of these payment methods, though your bank may charge a fee if you use a third-party payment service.
Key Takeaways
- Online and mobile app payments post to your account the same day and are the fastest way to pay.
- Phone payments take one to two business days to process and require you to have your bank account information ready.
- Mail payments take three to five business days, so send your check at least a week before your due date.
- Capital One charges no fee for any payment method, but your bank may charge a fee if you use a third-party payment processor.
- Your minimum payment and due date appear on your monthly statement and in your online account.
Paying online through Capital One's website or app
Log into your Capital One account at capitalone.com or open the Capital One mobile app. Click "Make a Payment" or the payment icon. Enter the amount you want to pay and select the bank account you want to transfer from. Review the details and confirm the payment.
Your payment posts the same day if you submit it before 8 p.m. Eastern Time on a business day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. You'll see the payment reflected in your available credit when ready, though it may take one to two business days to show as "posted" on your statement.
If you don't have a Capital One online account yet, you can create one at capitalone.com by entering your card number, Social Security number, and date of birth. You'll receive a temporary password by email and can set a permanent one after you log in.
Paying by phone
Call Capital One's customer service line at 1-800-955-9060. Have your account number and the bank account you want to pay from ready. Tell the representative the amount you want to pay and confirm the bank account details.
Phone payments take one to two business days to post to your account. The representative will give you a confirmation number — write it down in case you need to reference the payment later. Capital One records these calls, so you have a record of your authorization.
If you're calling from outside the United States, Capital One's international customer service number is on the back of your card. International calls may incur long-distance charges depending on your phone plan.
Paying by mail
Write a check for the amount you want to pay. Write your account number on the check. Mail it to the address on your statement or on the back of your card — Capital One has different processing centers, and using the correct address speeds up processing.
Mail payments take three to five business days to reach Capital One's processing center and another one to two business days to post to your account. Send your payment at least seven to ten days before your due date to avoid a late payment. If your due date is within a week, use online or phone payment instead.
Do not send cash by mail. If your check is lost or delayed, you won't have proof of payment. Keep a copy of the check or take a photo of it before mailing.
What to do if you miss your due date
If your payment doesn't arrive by your due date, Capital One will report the late payment to credit bureaus after 30 days. A late payment can lower your credit score and may trigger a higher interest rate on your card. Contact Capital One when ready if you know your payment will be late.
You can still make a payment after your due date — it will reduce your balance and stop interest from accruing on that amount going forward. If you're having trouble making your minimum payment, Capital One offers hardship programs that may lower your interest rate or monthly payment temporarily. Call 1-800-955-9060 to discuss your options.
Setting up automatic payments
You can set up automatic payments through your Capital One online account to pay a fixed amount on a date you choose each month. Log in, go to "Manage Automatic Payments," and enter the amount and date. You can change or cancel automatic payments anytime before the payment processes.
Automatic payments are useful if you want to pay the same amount every month, but they don't adjust if your balance changes. If you set an automatic payment for your full statement balance, make sure you update it if you make purchases after setting it up, or you may pay more than you owe.
Frequently Asked Questions
Can I pay my Capital One card with a debit card or another credit card?
Capital One does not accept credit card or debit card payments directly. You must pay from a bank account (checking or savings), by check, or through a third-party payment service. Third-party services may charge a fee, so check before you use them.
What if I want to pay more than my minimum payment?
You can pay any amount up to your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. There is no penalty for paying early or paying more than you owe.
How do I know if my payment went through?
Online and app payments show a confirmation number when ready. Phone payments give you a confirmation number during the call. For mail payments, wait five to seven business days and check your statement or log into your account. If you don't see the payment posted after that time, call Capital One at 1-800-955-9060.
Can I pay my Capital One card at an ATM or branch?
Capital One does not accept payments at ATMs or in branches. You must pay online, by phone, or by mail. Some Capital One locations have customer service desks, but they cannot process payments in person.
What happens if I pay more than my balance?
If you overpay, Capital One will hold the extra amount as a credit on your account. You can use it toward future purchases, or you can request a refund by calling 1-800-955-9060. Refunds typically take five to seven business days to appear in your bank account.