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How to Pay Your Capital One Credit Card Bill

You can pay your Capital One credit card bill online from your account at another financial institution:

  1. Sign in to your bank’s online banking site.
  2. Add Capital One Mastercard as a new payee using your 16-digit credit card number as your account number.
  3. Make your payment to Capital One Mastercard.

Note that payments can take 2-3 business days to be applied to your account. If you're close to your credit limit, or have exceeded it, you will not be able to make another transaction until your payment is applied, or ‘posted’, to your account.

Your payment will be backdated to the date the transaction was processed by the bank you made your payment from. Banks usually process payments on the same business day if they’re completed before 8:30 p.m. EST. You can contact your bank to check.

How do I find out my payment due date and how much I owe?

Your payment due date and account balance will be the first things you see at the top of the page when you sign in to your Capital One app or online account. You will also find this information on your monthly statement.

How do I set up automatic payments?

Auto Pay allows you to set up automatic monthly payments and helps ensure your credit card is always paid on time. For more information, see How to set up Auto Pay.

I lost my card and now I have a new card. How do I make payments to it?

If you’ve replaced your card after it was lost or stolen, your replacement card will have a new number, so you’ll need to replace your old 16-digit Capital One card number with your new one before making your next payment through your bank’s online banking site or app.

You’ll also need to update your payment information anywhere that you have it saved, such as any subscription-based services (for example, streaming services), or any automatic recurring payments (for example, for your phone bill or gym membership). Reviewing your transactions in your Capital One online banking account can help you identify your recurring payments.

My old card was damaged so I got a new card. How do I make payments to it?

If you’ve replaced your card because your old card was damaged, your replacement card will have the same number as your previous card, and your payments won’t be affected. Continue to make online payments to your card as usual.

How do I make a payment while waiting for my new card to arrive?

When you’re waiting for a new card to arrive, you can make a payment to your old card number and the funds will be transferred over to the new one. We recommend that you update the card number with your bank as soon as you receive your new card to help avoid any delays to your payment processing times.

Can I make payments from a non-Canadian bank account?

All payments must be made from a Canadian bank account. We recommend you make your payments using your bank’s online banking site or app if you need to do so while you’re outside of Canada.

Can I change my payment due date?

Unfortunately, we’re unable to change payment due dates.