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How to Activate a New or Replacement Card

New card activation

To activate your new card, sign in to the mobile app or online banking, or call our automated activation system at 1-888-655-5646. You will need your new card, and the PIN you set up digitally or that arrived in the mail. 

If you have activated your card successfully, it will now be ready to use.

If your card has an annual membership fee, it will be charged once you activate your card or make your first transaction (excluding a balance transfer) on your account.

Replacement card activation

Once you’ve received your replacement card, call our automated activation system at 1-888-655-5646. Be sure to have your new credit card with you when you call. Your PIN will be the same as it was previously. Your card will be ready to use once it’s been activated.

If you still have your old card but it’s being replaced because it’s been damaged, you’ll receive a new card with the same number on it. In this case, no activation is required.

Here are some things to keep in mind when you get a replacement card:

  • Update all recurring payments with your new card number and expiry date.
  • Update your card number if you make payments to your Capital One card through your bank’s online banking service.

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