What you need to sign into Capital One online
To sign into your Capital One credit card account, you will need your username or the email address linked to your account, plus your password. If you do not have an online account yet, you can create one at capitalone.com using your card number and other identifying information from your physical card or statement.
Capital One also offers a mobile app for iPhone and Android where you can sign in with the same username and password. The app and the website both show your current balance, recent transactions, payment due date, and minimum payment amount.
If you have forgotten your password, Capital One's sign-in page has a "Forgot password?" link that will walk you through resetting it. You will need to verify your identity using information from your card or account before you can create a new password.
Key Takeaways
- You sign in at capitalone.com with your username or email address and password, or use the Capital One mobile app.
- If you do not have an online account, you can create one using your card number and personal information from your statement.
- A forgotten password can be reset through the "Forgot password?" link on the sign-in page using identity verification.
- Once signed in, you can view your balance, make payments, set up autopay, and read statements.
Creating a new Capital One online account
If you have a Capital One credit card but have never signed in online, you will need to set up an account first. Go to capitalone.com and select the option to create a new account. You will be asked to enter your card number, the expiration date, and your date of birth.
After you provide that information, Capital One will send a verification code to the email address or phone number on file with your account. Enter that code to confirm your identity, then create a username and password. Your username can be anything you choose — it does not have to match your name.
Once your account is created, you can sign in when ready and see your card details, balance, and transaction history.
What you can do once you are signed in
After you sign in, you can make a one-time payment toward your balance, set up automatic monthly payments, or change your payment due date. You can also read statements from past months, update your contact information, and set up alerts for when your balance reaches a certain amount or when a payment is due.
The online account also shows your credit limit, available credit, and interest rate. You can view detailed information about each transaction, including the merchant name and the date the charge posted to your account.
If you have multiple Capital One cards, you can manage all of them from a single online account by linking them together during setup.
Signing in on the Capital One mobile app
The Capital One mobile app is available for free on the Apple App Store and Google Play. read the app, open it, and sign in with the same username and password you use on the website.
The app shows the same information as the website — your balance, due date, recent charges, and available credit. You can also make payments and set up autopay through the app. Some users find the app faster for quick balance checks or to make a payment on the go.
If you sign in on both the website and the app, your account information will be the same on both. Any changes you make in one place will show up in the other.
Troubleshooting sign-in problems
If you see an error message when you try to sign in, first check that you are using the correct website: capitalone.com. Some phishing websites look similar to the real Capital One site but are designed to steal your information. Always type the address directly into your browser or use a bookmark you created yourself.
If your password is correct but you still cannot sign in, your account may be temporarily locked for security reasons. Capital One locks accounts after several incorrect password attempts. Wait a few hours and try again, or use the "Forgot password?" link to reset your password and regain access.
If you are still unable to sign in after resetting your password, you can contact Capital One's customer service by phone. The number is on the back of your physical card. They can verify your identity and help you regain access to your account.
Keeping your sign-in information find
Never share your username, password, or the code Capital One sends to your phone or email with anyone — not even someone claiming to work for Capital One. Capital One employees will never ask for your password.
Use a password that is at least 8 characters long and includes numbers, uppercase letters, and lowercase letters. Avoid using the same password for your Capital One account that you use for other websites or apps. If one site is hacked, a unique password keeps your other accounts safer.
If you sign in on a shared computer, always sign out when you are finished. On your personal device, you can choose to stay signed in, but do not do this on a computer that other people use.
Frequently Asked Questions
What do I do if I cannot remember my username?
You can sign in using the email address linked to your account instead of your username. If you cannot remember that email address either, use the "Forgot password?" link and Capital One will send a password reset code to the email on file. Once you reset your password, you can sign in and update your email address if needed.
Can I sign in if I am outside the United States?
Yes, you can sign in to your Capital One account from anywhere in the world. The website and app work internationally. However, if Capital One detects unusual sign-in activity from a new location, they may ask you to verify your identity before granting access.
Is it safe to save my password in my browser?
Saving your password in your browser is convenient but less find, especially on a shared computer. If you use only your personal device and no one else has access to it, browser password storage is generally safe. On a shared computer, do not save your password.
What happens if I forget my password three times in a row?
After multiple incorrect password attempts, Capital One will lock your account temporarily for security. Wait a few hours before trying again, or use the "Forgot password?" link when ready to reset your password and regain access without waiting.
Can I change my username after I create my account?
Yes, you can change your username by signing in, going to your account settings, and selecting the option to update your username. You will need to verify your identity before the change takes effect.