Yes, you can pay your Capital One credit card with a prepaid card. But the issuer changed its payment processes, so the exact way you'll be able to do it depends on your previous relationship with the issuer
To pay with a prepaid card over the phone (by calling (800) 227-4825) or in a Capital One branch, you must be a customer who made debit card payments in the past. As you might already know, a prepaid card is just a type of debit card, so it qualifies.
If you haven’t used debit cards to pay your Capital One credit card before, the only options to pay with a prepaid card are at certain stores and third-party payment processors like:
Just keep in mind that some non-Capital One locations might charge a fee for prepaid card payments.
This answer was first published on 07/08/21. 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
To pay with a prepaid card over the phone (by calling (800) 227-4825) or in a Capital One branch, you must be a customer who made debit card payments in the past. As you might already know, a prepaid card is just a type of debit card, so it qualifies.
Can I make a credit card payment with a prepaid 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.
What is the fastest way to pay Capital One credit card? ›
Capital One Bill Pay will deliver payments as quickly as possible. Making payments electronically is our first priority, posting either the same day or the next business day. Payments that cannot be delivered to a biller electronically will be made by paper check and may take up to seven business days for delivery.
How to pay Capital One credit card without bank account? ›
What are the available payment methods to pay off card balances? 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.
Can you pay Capital One credit card with gift card? ›
Unfortunately, you cannot use any kind of debit or credit card to make your payment, including MoneyCards and gift cards.
Why can't 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.
How do I pay my Capital One card instantly? ›
Ways to Make a Capital One Credit Card Payment
- Online: Log in to your online account and click on “Make a Payment.”
- By phone: Call the number on the back of your card and enter your card information when prompted.
- Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
Electronic transfers between your Capital One bank accounts are instant.
Do Capital One credit card payments post immediately? ›
A Capital One credit card payment made before 8 p.m. ET Monday-Saturday, will post on the account at midnight on the same day it is received. Otherwise, it will post the following business day.
Where can I pay Capital One credit card with cash? ›
You can pay your Capital One 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.
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.
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.
Can I pay my Capital One card with another 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.
Where can I pay my Capital One credit card with cash? ›
You can pay your Capital One credit card with cash at a Capital One branch location or at an ATM. You may also make a payment at Money Services, Western Union, MoneyGram or through the PayNearMe platform.
Can you use a Visa gift card to pay a bill? ›
A reloadable Visa Prepaid card is the quick, easy and secure way to pay online or in person. The all-purpose Visa Prepaid card is a prepaid card that you can use to withdraw cash, pay bills or make purchases anywhere Visa Debit cards are accepted, in-person or online.
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.
