There are several options for remitting your Capital One credit card payment each month. You can pay online, via your phone, using a mobile app, through the mail and more. You can even set up automatic payments. Choose the option that works best for you.
Account holders can conveniently pay their bill electronically by enrolling in Capital One's online banking feature. To set up your account online, you will need to have the following information handy:
- Capital One credit card number
- Social security number
- Email address
- Three-digit security code on the back of the card
Add Bank Account
Once your profile is set up, you will be able to add the checking account and routing number that should be used to withdraw funds for payment processing.
To avoid being penalized with a late fee, it is important to be aware of the payment processing schedule.
|Date of Submission||Time||Posting Date|
|Monday-Saturday||before 8 p.m. EST||same business day|
|Monday-Saturday||after 5 p.m. EST||next business day|
|Sunday||anytime||next business day|
|Holiday||anytime||next business day|
Cardholders also have the option to pay their Capital One bill using the AutoPay feature. This option can be activated in the Online Banking module, and will process the monthly payment on the date you select by automatically withdrawing funds from the bank account you authorize.
It is important to note that the deletion of account information simultaneously cancels all scheduled payments.
Pay by Phone
Payments can be made by calling 1-800-955-7070. There is no charge to use this service.
Pay by Mail
If you do not mind paying for postage to make a payment, mailing a check or money order with the payment coupon (attached to the statement) is an option. Individuals who do not receive or have misplaced a copy of their statements can use the Credit Card Payment Wizard to obtain the payment remittance address. To use this function, you will need to enter the first six-digits of your credit card number.
When submitting payments by mail, allow at least seven days for processing.
Capital One also offers mobile payment options to customers, allowing them to make payments from their smartphones.
Mobile Phone App
You can download the Capital One iPhone or Android app to your smartphone to make payments on the go. The mobile phone application can be accessed at any time.
Cardholders can also visit Capital One's mobile site from their cellular device without downloading the app to make a payment.
Online Bill Pay
Many financial institutions offer online bill pay solutions to their customers. In most instances, you can select the payment date and amount, and the funds will automatically be transferred from your bank account to Capital One each month.
A monthly fee may be charged for online bill payment through another financial institution. Contact your financial institution to learn more about the options they offer.
Disallowed Payment Forms
Unfortunately, you cannot use any kind of debit or credit card to make your payment, including MoneyCards and gift cards. Capital One does not accept them as a form of payment.
Important Points to Consider
Regardless of the payment option selected, be sure to allow an ample amount of time for processing. Always make the minimum payment each month by the due date to avoid extra fees and penalty APRs that may apply.