You can get Capital One to activate your credit card online or by calling customer service at (800) 227-4825.
If you prefer to do it online, just go to Capital One’s activation page and log in (create an account, if necessary). Then, enter the 3-digit security code on the back of the card when prompted. Through the mobile app, sign in with the same information as your online account. Tap your profile, then “Account Settings,” then “Activate Credit Card.” Enter the 3-digit security code when prompted to activate the card. The card will be available to use for purchases immediately after.
Calling to activate a Capital One card is probably the better option if you’re in a hurry because activating your card online requires creating an account first. But both aren’t too hard to do and don’t take all that much time. You can also find the instructions in the letter where you got your Capital One credit card or on the sticker attached to your credit card when you first get it.
If you’re trying to activate a Capital One debit card instead of a credit card, the steps are a little different.
For online, you still sign in to your Capital One account. But then you have to click on the account linked to the debit card and find the button to activate your debit card. You may be asked to enter the card’s expiration date and create a PIN.
To activate by phone, you have to call the general Capital One customer service line at 1-(877) 383-4802 and choose “Bank account.” Then, press “2.” Say “Representative.” Put in your Social Security number to get connected with a rep. Ask them to activate your debit card.
In the app, you have to first tap the account connected to the debit card. Then, tap “Activate Debit Card.” Enter the card’s expiration date and create a PIN if prompted. Slide the green bar that says “Slide to Activate.”
It takes about 14 calendar days for a new Capital One credit card to arrive. And it takes 4-6 business days to get a replacement card, unless you pay $16 for delivery in 2-3 business days. There are no options to get new cards faster. But it won’t always take 14 days for a new card to reach you, depending on how far it has to travel. That’s just the timeframe Capital One quotes people. … read full answer
As far as the approval timeline goes, you could be instantly approved for a Capital One credit card if you apply online. On the other hand, Capital One may need longer to verify your information and decide whether you’re creditworthy enough for the card. If you don’t get a decision right away, you can usually expect to hear back within 7-10 business days. That means you should get your Capital One credit card 14-24 (business) days after submitting an application, assuming you’re approved.
Here’s how long it takes for a Capital One credit card to arrive:
New cards take up to 14 calendar days to arrive, following account approval. You can’t pay to speed this up.
Replacement cards take 4-6 business days to arrive. You can cut that timeframe in half by paying $16.
It can take 7-10 business days to get approved for a Capital One credit card, if you’re not approved instantly when you apply.
You can expect to have your Capital One credit card in hand anywhere from 2 weeks to a month after you apply.
You can use your Capital One credit card before it arrives if you download the Capital One app. The app shows you all your card details.
If you’re in the market for a Capital One credit card, there are a ton of good options. You can check out our editors’ latest picks for the best among them and weigh your options.
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