Where Can I Pay My Capital One Bill In Person? A Guide to In-Person Payments

Paying your credit card bill on time each month is crucial to maintaining a good credit score and avoiding late fees. But sometimes mailing a check or paying online isn’t an option. If you have a Capital One credit card, you may be wondering where you can pay your bill in person. The good news is that Capital One offers several convenient options for making in-person payments.

Pay at a Capital One Branch

One of the easiest ways to pay your Capital One credit card bill in person is to visit a Capital One branch location Capital One has over 700 branch locations across the United States

To find a branch near you, use the branch locator on Capital One’s website. Enter your zip code to see the Capital One branches in your area.

When you visit a branch bring your printed statement or credit card. Let the teller know you want to make a payment on your credit card. You can pay with cash, check, or money order. The payment will be credited to your account right away.

All Capital One branches are closed on Sundays and federal holidays. So make sure to go on a weekday when the branch is open. Also try to go before 8 pm on weekdays, which is the daily cut-off time for payments.

Pay at Capital One ATMs

Another option is to use a Capital One ATM to make a cash payment on your credit card. Capital One has over 400 ATM locations that accept cash payments.

To find a fee-free ATM that accepts credit card payments, use the ATM locator on Capital One’s website. Enter your location to see nearby ATMs.

When you visit the ATM, select the credit card payment option and enter your credit card details. You can insert cash to make your payment. The payment will typically post to your account right away.

Pay at Retail Locations

You may also be able to pay your Capital One credit card bill at certain retail stores. Here are some options:

• Kroger: You can make payments at the customer service desk of many Kroger-owned stores, including Fred Meyer, Ralphs, and more.

• Walmart: Payments can be made at Walmart stores using MoneyGram. There is typically a fee of about $5-$10.

• Western Union: You can visit Western Union locations inside Walgreens, CVS Pharmacy, and elsewhere to make cash or debit card payments. Fees apply.

• MoneyTree: This check cashing service allows Capital One credit card payments at its locations in California, Idaho, Nevada, and Washington.

When paying at a retail location, you’ll need your account number and billing statement. Call ahead to make sure the store accepts Capital One credit card payments and confirm what forms of payment (cash, check, etc) are accepted.

Tips for In-Person Payments

• Always bring your credit card or statement so you have the account number handy. Some locations may ask for ID as well.

• Know the business hours. Many retail locations have limited hours and close earlier than bank branches.

• Avoid waiting until the due date, when locations may be busier. Give yourself a few days cushion.

• Ask about fees. Paying at retail stores often incurs extra fees, so be prepared.

• Have the exact payment amount on hand if paying in cash. Getting change can be a hassle.

• Save your receipt as proof of payment. Follow up online to confirm the payment posted.

Alternatives to In-Person Payments

While in-person payments can be convenient, don’t forget about these other fast payment options from Capital One:

• Online through your account at capitalone.com or the Capital One app

• Phone by calling the number on the back of your card

• Mail by sending a check or money order to the payment address on your statement

• Account transfer by moving money from a linked Capital One 360 checking or savings account

• ATM by using a Capital One ATM to withdraw cash and then make a payment