You can pay your Capital One credit card bill in person at Capital One bank branches, any 7-Eleven and the Money Services counters in Kroger brand stores. Payments can also be made at MoneyGram and Western Union locations, which are often found inside Walmart, Rite Aid, Walgreens and Money Tree.
If you have a Capital One checking account, you can use one of 39,000 fee-free Capital One ATMs to deposit cash or checks. You can then make your payment online, by phone or using the mobile app. Popular locations for Capital One ATMs are Target, Walgreens and CVS.
Capital One credit card payments need to be made by 8:00 PM ET, Monday-Friday in order to post the next day. It is a good rule of thumb for any credit card to not wait until the due date to make your payment.
Here’s where you can pay your Capital One credit card bill in person:
Capital One Bank –You can pay your Capital One credit card bill in person at a branch. All Capital One bank branches are closed on Sundays and during federal holidays.
7-Eleven– PayNearMe is a free app that enables you to pay your Capital One credit card bill in person with cash at any 7-Eleven. Download the app, create an account and add your credit card’s account number. Then you will see a barcode on your phone that any 7-Eleven cashier can scan to accept your payment. The fee is $1.99 per bill paid, and you will be notified when the payment is completed, as well as receive a receipt as proof of payment.
Money Services– Money Services is offered at Kroger-owned stores, including Fred Meyer, QFC, Fry’s, Ralphs, Dillon’s, City Market, Baker’s, and Smith’s, to name a few. You can pay your Capital One credit card bill with cash or a debit card when you bring your bill stub and account number. Payments for credit cards will be charged a fee (prices vary by location). Payments can be posted the same day or in up to three business days, depending on what payment options are available.
MoneyGram – Once you find a MoneyGram location near you, all you need is the account number and cash. MoneyGram has their own standalone stores. Walmart and CVS Pharmacy are the next most common locations. Be aware that in-person credit card payments using MoneyGram are cash only. There’s also a fee of $0-$9.99, depending on the location you choose.
Western Union – You will need the biller name and account number. Some participating Western Union locations accept debit cards in addition to cash. The most common locations for Western Union besides their own stores are Walgreens, U.S. Bank, and Kroger-owned stores.
ATM - Capital One has over 39,000 fee-free ATM locations. You can find them at select Target, Walgreens, and CVS Pharmacy locations. Check online or call customer service to find additional locations. You can use the ATM to deposit cash or checks to your Capital One checking account. Then, you can use that money to pay your Capital One credit card bill online, by phone, or mobile app.
Mobile App –You can instantly deposit checks to your Capital One checking account using your mobile phone. You can also transfer money between banks with Capital One’s online banking but this takes a little longer. However, this can be a convenient option in the future once you link your bank accounts.
Where you decide to pay your Capital One credit card bill in person, if anywhere, depends on how strapped you are for time. You might have to pay a fee if you aren’t close to a Capital One bank, or one isn’t open. But that will certainly beat triggering a late payment fee. Make sure to bring the proper information, identification and form of payment needed.