How do i pay my capital one bill

Maria Adams, Credit Cards Moderator

@m_adams • 06/24/22 This answer was first published on 06/22/21 and it was last updated on 06/24/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

You can pay your credit card bill in person at a Capital One branch, or at the Money Services counters in Kroger brand stores. You can also make a payment at MoneyGram and Western Union locations, which can be found inside Walmart, Rite Aid, Walgreens, and Money Tree stores. 

Capital One credit card payments need to be made by 8:00 PM ET, Monday-Saturday in order to post the next day. It is a good rule of thumb for any credit card to not wait until the due date to make your payment.

Here’s where you can pay your Capital One credit card bill in person:

1. Capital One Bank: You can pay your Capital One credit card bill in person at any branch location. All Capital One bank branches are closed on Sundays and during federal holidays.
2. Money Services: Money Services is offered at Kroger-owned stores, including Fred Meyer, QFC, Fry’s, Ralphs, Dillon’s, City Market, Baker’s, and Smith’s, to name a few. You can pay your Capital One credit card bill with cash or a debit card when you bring your bill stub and account number. Payments for credit cards will be charged a fee (prices vary by location). Payments can be posted the same day or in up to three business days, depending on what payment options are available.
3. MoneyGram: Once you find a MoneyGram location near you, all you need is the account number and cash. MoneyGram has their own standalone stores. Walmart and CVS Pharmacy are the next most common locations. Be aware that in-person credit card payments using MoneyGram are cash only. There’s also a fee that varies depending on the amount paid and posting time.
4. Western Union: You will need the biller’s name and account number. Some participating Western Union locations accept debit cards in addition to cash. The most common locations for Western Union besides their own stores are Walgreens, U.S. Bank, and Kroger-owned stores.  

Here are some other payment options:

• ATM: Capital One has over 70,000 fee-free ATM locations. You can find them at select Target, Walgreens, and CVS Pharmacy locations. Check online or call customer service to find additional locations. You can use the ATM to deposit cash or checks to your Capital One checking account. Then, you can use that money to pay your Capital One credit card bill online, by phone, or mobile app.
• Online: You can also make an online credit card payment by signing in to your Capital One account.
• Mobile App: You can instantly deposit checks to your Capital One checking account using your mobile phone. You can also transfer money between banks with Capital One’s online banking, but this takes a little longer. However, this can be a convenient option in the future once you link your bank accounts. 
• Mail: Lastly, you can pay your Capital One credit card bill via mail. The address is:
  Capital One
  Attn: Payment Processing
  PO Box 71083
  Charlotte, NC 28272-1083

Deciding where to pay your Capital One credit card bill in person depends on how strapped you are for time. If you’re not paying your bill at a Capital One Bank location, you might also have to pay a fee. But that will certainly beat triggering a late payment fee. No matter where you choose to pay your bill, make sure to bring the proper information, identification and form of payment needed.

nk09shoppoints, Member

@nk09shoppoints • 10/20/19 This answer was first published on 10/20/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Actually, PayNearMe no longer seems to be an option to pay Capital One Credit Cards, at least as of Oct. 2019. Unfortunately, found this out the hard way after 10 hours on the phone with both PayNearMe & Capital One. Ugh!!!   ;<   Capital One is great with some things, but giving you correct & current info. about payment options is most certainly NOT one of them!!! Also, make sure to triple check any info. you get from them about anything… They gave me massively incorrect info./details/directions for 5 out of the 6 payment options I have looked into with them, not including past problems I have had with adding new debit cards to their online system and making cash deposits at their ATM’s with my Capital checking account. I was utterly gobsmacked because I have never had a company make it sooo hard to give them money!!! But, then I remembered how much $$$ they have been able to swindle me out of in late fees because of it, and guess it makes sense to them… Terribly deceitful & shady business practice in my opinion. It’s a shame because I actually used to think quite highly of them, and really liked the company & service until fairly recently.   ;(

Just trying to pay it forward, information-wise, and hope that others won’t have to go through all the same things I have!

Sheila Gazlay, Member

@sheila_gazlay • 12/28/19 This answer was first published on 12/28/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

I have gone to Fred Meyers to pay and once it worked and the second time they had no idea what I was talking about. I have been to Target and tried to pay via the Cap1 machine- it did not work and no one knew what to do. I have been to a grocery store a Cap1 rep told me to go to, the person I spoke to seemed to not know what a credit card was. Which leaves me with a bar(ain’t gonna happen), a coffee shop that’s only open half a day, and Walmart. Personally, I think Cap1 is probably being scammed by places that say they will take the payments and for some reason are, well, lying. This is probably in some way related to the reason why Cap1 will not take Paypal they just don’t realize every place else is scamming them. I’ve been told now Walmart will take my payment. I’m not holding my breath on that one.