Capital One Credit Cards

The easiest way to pay your Capital One credit card online. You can make Capital One credit card payments from the desktop site or from the Capital One app. Start by signing in to your Capital One account, and head to "Accounts Summary." Select the credit card you want to pay from your list of accounts, if you have more than one Capital One card, and click the "Pay Bill" button. Then, enter your bank account information and choose the date you want the payment to be made, along with the payment amount. Once submitted, your payment should be processed within 24 hours.

You can make Capital One credit card payments in person, too, at any Capital One branch or any 7-Eleven, Kroger, MoneyGram or Western Union location. Some fees may be associated with paying in person at non-Capital One locations. So, it’s usually best to avoid those if possible.

In addition, Capital One accepts credit card payments over the phone, at (800) 227-4825. You’ll have to provide your Capital One account information, as well as the information for the bank account you’re using to pay your bill.  

To ensure your payment is posted by the next day, make Capital One credit card payments Monday-Friday before 8pm Eastern time.

Given its attractive credit card offers and high customer satisfaction, Capital One is not only a good credit card company, but a great one.

For starters, Capital One credit cards can be found on most of WalletHub’s best credit card lists. This includes the:

• Best Travel Rewards Credit Cards: Capital One Venture Rewards Credit Card

• Best Cash Back Credit Cards: Capital One Quicksilver Cash Rewards Credit Card

• Best Credit Cards for Fair Credit: Capital One QuicksilverOne Cash Rewards Credit Card

• Best Credit Cards for No Credit: Capital One Platinum Credit Card

• Best Credit Cards for Bad Credit: Secured Mastercard® from Capital One

• Best Student Credit Cards: Journey Student Rewards from Capital One

• Best Business Credit Cards: Capital One® Spark® Cash for Business

Capital One has also scored highly in a number of WalletHub reports on important credit card benefits. Here are a handful of notable examples:

• Application Transparency: T-1st

• International Travel: T-2nd

• Rental Car Insurance: 6th (Capital One Visa cards)

• Extended Warranty: 8th (Capital One Visa cards)

Finally, Capital One received the fifth highest customer satisfaction score in WalletHub’s latest Credit Card Landscape Report. And it had the third highest reviews among WalletHub users.

That, in a nutshell, is what a good credit card company looks like.​​​​​​​

The best Capital One credit card to build credit with is the Capital One Platinum Card because it is available to people with limited or fair credit and has a $0 annual fee. Capital One Platinum also reports to the three major credit bureaus on a monthly basis, just like all other Capital One credit cards. The only real downside is that Capital One Platinum does not offer rewards.

Other good Capital One credit cards for building credit are the Capital One Secured Card, the Capital One QuicksilverOne Card and the Journey Student Rewards Card. Each has its own advantages.

The Capital One Secured Card is the easiest Capital One credit card to build credit with since it’s even open to people with bad credit. That’s because it requires a security deposit to open the account, which lowers Capital One’s risk in giving you a credit card account. It also has a $0 annual fee but doesn’t offer any rewards.

The Capital One QuicksilverOne Card is the best Capital One credit card for building credit while earning rewards at the same time. It’s open to people with limited or fair credit, and it offers 1.5% cash back on all purchases. The annual fee is $39.

And Journey is the right Capital One credit card for students to build credit with. The card accepts applicants with limited credit history, offers 1 - 1.25% cash back on all purchases, and has a $0 annual fee.

Keep in mind that in order to make sure you build good credit with your card, you will have to use it responsibly. The most important things to do are to always pay the bill on time and to utilize less than 30% of your card’s credit limit.

Capital One issues Visa credit cards and Mastercard credit cards both. Unlike Capital One, which is a bank, Visa and Mastercard are card networks. That means Visa and Mastercard do not issue credit cards but instead help to process their transactions and provide some supplemental benefits.

The best Capital One Mastercard is the Capital One® Savor® Cash Rewards Credit Card. It offers a bonus of $300 for spending $3,000 in the first 3 months. And it gives 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. It has a $95 annual fee.

The best Capital One Visa is the Capital One Venture Rewards Credit Card. Its initial bonus is 100,000 miles for spending $20,000 within the first 12 months or 50,000 miles for spending $3,000 in the first 3 months. This card also gives 2 miles per $1 spent on all purchases. Its annual fee is $39.

You can get a credit increase with Capital One online or over the phone: (800) 955-7070. To be eligible for a Capital One credit-line increase, you must have an unsecured credit card, your account must be at least 3 months old, and you can’t have had a credit increase or decrease within the last 6 months. The odds of success are best when you pay your bill on time for at least 12 consecutive months prior to asking for a higher limit. It’s also important to note that once your account has been open for 5 months (and you’ve made all your payments on time), you may become eligible for an automatic credit-limit increase. Capital One will start periodically reviewing your account for that purpose once you’re eligible.

To request a Capital One credit line increase online, log into your account, click on the “Card Services” tab, and select “Request Credit Line Increase.” Then fill out the form with your income, employment status and rent or mortgage payment, and click “Submit.” To request an increase over the phone, call (800) 955-7070 and choose “More Options,” then “Credit Increase,” and give your information. You may be asked additional questions when requesting over the phone, so have your information ready.

You should receive a decision in your inbox within 3-5 business days, if you’ve opted-in for paperless statements. Otherwise, you’ll receive a letter in the mail 7-10 business days after submitting your request. You cannot ask for a specific credit amount when requesting an increase. If you’re approved, you’ll receive the highest limit possible based on the information you provided.

If you’re declined for a Capital One credit increase, you can request another at any time. However, it’s recommended that you wait at least 6 months. An exception would be if your financial situation improves, like receiving a raise. Any time your income goes up is an appropriate time to request a credit increase, assuming your debt doesn’t go up too.

When you compare Credit One vs. Capital One, you quickly understand just how different they are. Their similar names and logos lead many people to believe that Credit One is the same as Capital One, especially since both are financial companies that issue credit cards to consumers. But that’s pretty much where the similarities end.

Capital One is one of the largest and most diversified banks in America. They offer a wide range of financial products other than credit cards, including auto loans, checking accounts and savings accounts. Credit One is a relatively small bank that only issues credit cards and doesn’t have deposit accounts.

As credit card issuers, Credit One is the same as Capital One in the sense that it offers cards to people with damaged credit. But Capital One has cards for people of all credit levels, including those you need fair, good or excellent credit to get. Capital One also issues student credit cards and business credit cards, while Credit One does not.

Below, you can find a detailed look at the similarities and differences between these two companies and what they offer to consumers.

Credit One vs. Capital One Compared:

• Branches: Capital One has 755 branches in 8 states (Connecticut, Delaware, Louisiana, Maryland, New Jersey, New York, Texas and Virginia, plus Washington, D.C.). You can only do business with Credit One online.

• Types of products offered: Capital One offers a much wider range of products, with credit cards, auto loans, mortgages, checking accounts, savings accounts, and money market accounts. Credit One offers credit cards only.
• Card networks: Capital One has some credit cards on both the Mastercard and Visa networks. Credit One’s cards are all on the Visa network.
• Terms and conditions: All of Capital One’s credit card terms and conditions can be found online. Credit One only posts “sample” terms, and will give you the actual ones after you’re pre approved for a card.
• Minimum score requirement: There are Capital One credit cards for excellent, good, fair/limited or even bad credit. Credit One only makes cards meant for limited/fair or bad credit.
• Credit card for rebuilding credit: The Capital One Secured card charges no annual fee. It gives you a guaranteed $200 credit line with a $0, $99 or $200 deposit. The Credit One Bank Platinum Visa for Rebuilding Credit gives 1% cash back on purchases but charges a $39 annual fee.
• Starter credit card: Capital One QuicksilverOne offers 1.5% cash back to the Credit One Platinum Visa’s 1%. QuicksilverOne’s annual fee is $39 and Credit One Platinum’s is $0-$99 depending on your creditworthiness.
• Cash back credit card: Capital One Quicksilver gives 1.5% cash back on all purchases and a $150 bonus when you spend $500 in the first 3 months. That definitely beats Credit One Platinum’s 1% on all purchases. And Quicksilver has no annual fee compared to Platinum’s $0-$99.
• Travel rewards credit card: Capital One Venture gives a huge bonus of 50,000 miles when you spend $3,000 in the first 3 months. It gives 2 miles per $1 on all purchases and has a $95 annual fee. Credit One Bank has no travel card.
• 0% APR credit card: Capital One Quicksilver offers 0% for 15 months on both purchases and balance transfers (3% transfer fee). None of Credit One’s cards have 0% intro APRs.
• Student credit card: Journey Student Rewards from Capital One offers 1% cash back on all purchases and 1.25% if you pay on time. It has no annual fee. Credit One lacks a student card.
• Small business credit card: Capital One Spark Cash for Business gives 2% cash back on all purchases. It also has a $500 bonus when you spend $4,500 in the first 3 months. There’s a $95 annual fee which is waived the first year. Credit One has no business credit cards.

Both Capital One and Credit One allow you to prequalify for their credit cards. Pre-approval generates a soft inquiry on your credit report and does not impact your credit score. This also provides you an opportunity to compare offers between the two issuers and determine which is a better fit for you based on your creditworthiness.

There are a few Capital One store cards available right now, representing retailers ranging from Kohl’s to Saks Fifth Avenue (Capital One is a WalletHub advertising partner). Capital One store credit cards can only be used at the retailers they’re affiliated with, so they’re not designed for everyday spending. But they offer plenty of perks, including special sales, discount coupons and a bit of store credit with every purchase. Capital One store cards are good for credit improvement, too. They all require just fair credit or better for approval, and none of them charge an annual fee.

To help you find the right offer for your needs, WalletHub compared all of the Capital One store cards in our database of 1,000+ credit card offers and picked the most rewarding options for different types of people.
 

Here are the best Capital One store cards:

• Overall: Walmart® Store Card
• Discount: Kohl's Credit Card
• Big Spenders: Saks Fifth Avenue Store Card
• Home Improvement: Menards Credit Card
• Department Stores: Neiman Marcus Store Card

You can compare these and other Capital One store credit cards below. It’s also worth noting that Capital One issues a number of co-branded credit cards, which are affiliated with retailers and other notable organizations but can be used anywhere Visa or Mastercard is accepted. They include the GM BuyPower Card from Capital One® and Union Plus Credit Card. Such cards require good or excellent credit for approval, though. So you can check your latest credit score for free on WalletHub before seriously considering one.

View entire answer

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.

After comparing the Capital One Venture Rewards Credit Card vs. the Capital One Quicksilver Cash Rewards Credit Card, Capital One Venture is the winner. Capital One Venture is a better credit card than Capital One Quicksilver because it offers uniquely valuable travel rewards at a worthwhile price.

Even though Capital One Venture is the better credit card overall, it’s a close call because both cards are among the market’s best credit cards for rewards. If you’re not a frequent traveler and you want a credit card for everyday use, Capital One Quicksilver will likely be the better choice because of its $0 annual fee and cash back rewards. 

View entire answer

Yes. Capital One does help build credit, as long as customers manage their Capital One credit cards, personal loans, and auto loans responsibly. Capital One credit cards are especially good for building credit because they can be free to use, and Capital One reports account information to the three major credit bureaus monthly. Capital One also has credit cards for people with limited credit history or bad credit, and both the primary cardholder and any authorized users they add will build credit if the account is kept in good standing with on-time bill payments.

That said, Capital One credit cards can also hurt the credit scores of primary cardholders. If you miss due dates or max out a Capital One card, for example, this will negatively affect your credit score. When used responsibly, though, Capital One credit cards can help you achieve a good or excellent credit score.

You can reach the Capital One credit card customer service by calling 1-800-227-4825.

You could also contact Capital One by signing in to your account online or through Capital One's mobile app for iOS and Android.

They are also very responsive on Facebook and Twitter.

Ultimately, you could contact them via mail at:

Capital One
Attn: General Correspondence
P.O. Box 30285
Salt Lake City, UT 84130-0287

If you have a specific problem, like a dispute or investigation, you can directly reach the department you need by finding their contact info here.