Yes, you can pay yourCapital One credit cardwith a debit card, just not directly. You may use a checking or savings account to pay online or over the phone.
For phone payments, call the number on the back of your card, then verify the name on the account, along with the address and the last four digits of your Social Security number. Next, provide your checking/savings account information. You will also need the routing number for the bank account for verification purposes. Alternatively, you can pay in person at a local Capital One branch with cash.
Alternatives to paying your Capital One credit card with a debit card
Although Capital One does not accept debit cards as a form of payment, you may pay your Capital One credit card bill with a debit card at 7-Eleven and Kroger stores. You can also pay your Capital One credit card with Western Union online, through their mobile app, and at a Western Union locationusing a debit card. Some non-Capital One locations may charge a fee for debit card payments, though.
Capital One credit card payments made through third party services may take longer to process. So, make sure Capital One receives your credit card payment before the due date.
This answer was first published on 10/21/20 and it was last updated on 04/02/24. 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.
FAQs
Although Capital One does not accept debit cards as a form of payment, you may pay your Capital One credit card bill with a debit card at 7-Eleven and Kroger stores. You can also pay your Capital One credit card with Western Union online, through their mobile app, and at a Western Union location using a debit card.
What payment methods does Capital One accept? ›
Capital One offers payment options via AutoPay, mobile app, online portal, calling the telephone number listed on your statement, and mailing a check to the statement address. Payments can also be made at Capital One branches and ATMs. See here for additional information on how to pay your credit card bill.
How to pay credit card bill with debit card? ›
To use your debit card to pay a credit card bill, you must do so via bank transfer payment. In other words, you have to use either a credit card provider's payment portal or a third-party payment portal that includes not only your debit card information, but also your banking information.
Can you pay credit one with a debit card? ›
To pay your Credit One credit card with a debit card, log in to the Credit One mobile app or website and enter your debit card information in the payment section, or call 1 (888) 729-6274 to pay with a rep by phone.
Can I use a Visa gift card to pay my Capital One credit card? ›
Can you use gift cards to pay off a credit card? Unfortunately, you cannot use a gift card to pay a credit card directly. Your credit card company may accept several forms of payment. However, when you try to complete a credit card payment, there probably won't be a place to enter gift card information.
How do I pay my Capital One credit card with a debit card? ›
Although Capital One does not accept debit cards as a form of payment, you may pay your Capital One credit card bill with a debit card at 7-Eleven and Kroger stores. You can also pay your Capital One credit card with Western Union online, through their mobile app, and at a Western Union location using a debit card.
Why can't I pay my credit card with a debit card? ›
The simple answer is that you cannot use a physical debit card to pay your credit card bill. You will have to set up payments using the nine-digit routing number from the checking account your debit card is linked to. At the end of the day, the money is coming from the same place.
What happens if you pay credit with a debit card? ›
Using a debit card to make a credit transaction isn't that different from using it to make a debit transaction. The money still comes out of your bank account. You don't, however, have to enter your PIN, so many people choose credit to safeguard the security of their account.
How to pay credit card bill without credit card number? ›
Visit any nearest ATM of your credit card issuer with your debit card, insert your debit card into the ATM kiosk, select credit card bill payment option and follow the instructions to make credit card payment.
Can I pay credit card bill using ATM? ›
Via an ATM: Go to your card issuer's ATM: To pay your credit card in cash at the ATM, insert your credit card as you would your debit card when making a withdrawal. On the screen, select the payment and follow the instructions to insert your cash payment.
Ways to Make a Credit One Credit Card Payment
- Online. Log in to your online account and click on “Pay Bill.”
- By phone. Call 1-888-729-6274 and enter your card information when prompted.
- Through the mobile app. Log in to your account and select your card, then tap “Pay Bill.”
- By mail.
You can pay your Capital One credit card over the phone by calling customer service at (800) 227-4825 or the number you see on the back of your card.
How do I make a payment to my Credit One credit card? ›
To make a payment on our website or mobile app:
Sign in to your account. Click "Pay Bill." Choose Standard Payment or Express Payment and follow the prompts to complete your payment.
Can I pay my Capital One credit card at Walmart? ›
Yes, you can pay your Capital One credit card bill at Walmart, but only if you have a Walmart® Store Card or a Capital One Walmart Rewards® Mastercard® (see Rates & Fees). If it's any other Capital One credit card, you can only pay the bill by using MoneyGram, which is located inside most Walmart stores.
Why are prepaid cards not accepted? ›
You don't have enough money left on your card. You haven't activated or registered your card. The address you gave to make an online or phone purchase is different from the address you have on file with your prepaid card provider.
Can I use a prepaid Visa to pay a credit card? ›
Prepaid cards cannot be used for credit card payments or car payments. You cannot split payments online so you can only spend the amount that is on your card. You should keep your prepaid cards until they expire in case you receive any refunds to your cards. Virtual cards are meant to be used online or over the phone.
Does Capital One accept PayPal? ›
Just a few clicks at checkout
When you shop online, choose Checkout with PayPal. Select your Capital One card as the payment method and choose Use Capital One Rewards. Easy.
Why does Capital One not allow Afterpay? ›
SYDNEY (Reuters) - Capital One Financial Corp (CapOne) has barred customers using its credit cards to clear buy-now-pay-later (BNPL) debt as the transactions bear unacceptable risk, it told Reuters, making it the first to distance itself from the finance alternative.
Does Capital One allow Apple Pay? ›
Keep reading to learn how to set up your mobile device and link your Capital One card so you can tap and pay with your phone. To pay with your phone, you'll need a digital wallet like Apple Pay®, Google Pay™ or Samsung Pay®. Like contactless cards, phone payments use encryption to help make transactions more secure.
Can I pay Capital One with another credit card? ›
In general, you can't pay your monthly credit card bill using another credit card. If you're set on using a credit card, you might be able to pay with a balance transfer or cash advance, but they can be risky and add to your debt. A balance transfer may offer a promotional period that could save you money in interest.
