How much do Capital One credit card checks cost?

Capital One credit card checks are blank checks sent to you by Capital One. The checks themselves don’t cost you anything. They work like regular checks, but instead of taking money from your bank account, they draw from your Capital One credit line. There are checks for purchases, for balance transfers and for cash advances. If Capital One sends you checks, what type they are will be clearly marked. The purpose of Capital One credit card checks is to encourage you to use your account by making it as easy as possible to do so. They can come in handy if you need to pay someone that doesn’t take credit. They also let you get cash advances at a bank rather than an ATM.

The cost of Capital One credit card checks depends on which kind you get. Normal purchase, cash advance, and balance transfer rates and fees apply.

Here’s what you should know about Capital One credit card checks:

• Capital One credit card checks are officially known as Access Checks.
• Capital One may or may not send you checks, depending on your creditworthiness and account history. 
• You can call customer service at 1-800-227-4825 to request Capital One credit card checks, but there’s no guarantee it will be granted.
• For purchase checks, you’ll have the usual 25-day grace period after the close of a billing cycle to pay your balance and avoid interest, assuming you don’t carry a balance from month to month.
• With transfer and cash advance checks, interest starts accruing as soon as you make the transaction.

Capital One credit card checks can make dealing with places that don’t accept credit cards much more convenient. But depending on what kind of check Capital One sends you, they could also make life much more expensive.

They don't cost you anything, and you can just order them over the phone.