Where Can I Pay My Capital One Bill With Cash?

Paying your credit card bill on time each month is crucial for maintaining a good credit score and avoiding unnecessary interest charges. But for some people, paying online or by mail may not be convenient options. If you prefer to pay your Capital One credit card bill with cash, you have several options to do so.

Pay at a Capital One Branch

The easiest way to pay your Capital One credit card bill with cash is to visit a Capital One branch location Just stop by any Capital One bank during regular business hours and let a teller know you want to make a cash payment on your credit card You’ll need to provide your account number and show a photo ID, The teller will process your payment right away,

Capital One has over 700 branch locations across the United States, so there’s likely one near where you live or work. Use the branch locator on their website to find the nearest location.

Pay at a Capital One ATM

Many Capital One ATMs accept cash payments in addition to deposits and withdrawals. To pay your credit card bill this way, insert your Capital One credit card into the ATM and select the payment option from the menu. Enter the amount you want to pay, feed the cash into the machine, and you’re done!

Not all ATMs accept credit card payments so double check your local branch’s ATM capabilities before heading over. You can find ATM locations using the branch locator.

Pay at Money Services

Money Services counters located inside Kroger-owned grocery stores will accept cash payments for Capital One credit cards. Bring your credit card bill and account number to the customer service desk at your local Kroger, Ralph’s, Fry’s Food, or other Kroger brand store. Let the clerk know you need to make a cash payment for your Capital One card. There will be a small service fee, usually around $1-3.

Use MoneyGram

Visit any MoneyGram location, often found inside major retailers like Walmart, CVS, or Kroger, to pay your Capital One bill in cash. You’ll need to provide your credit card account number and the biller name (Capital One). There will be a fee based on the amount being paid.

Use Western Union

Similar to MoneyGram, Western Union also lets you pay bills in cash at one of their agent locations These are typically found inside stores like Walgreens, CVS, Rite Aid, Kroger, and more. Provide the clerk your credit card details and the cash payment Fees vary by location.

PayNearMe Cash Payment Network

PayNearMe allows cash payments for your Capital One card at any participating retail store. Major retailers like 7-Eleven, Family Dollar, CVS, and Walmart all accept PayNearMe payments.

First, you must create an account on the PayNearMe website and link your Capital One card. You’ll get a barcode that stores can scan when you make a cash payment in-person. Take the barcode and cash to the register at a participating store, the clerk will scan it and collect your payment. There is a service fee based on the payment amount.

Pay with Rewards at Capital One

If you’ve accumulated cash back or travel rewards on your Capital One card, you can opt to redeem those rewards as a statement credit to help pay your bill. Simply log into your account and apply your rewards toward your balance. This is an easy way to put rewards you’ve already earned toward your card payment.

Things to Consider When Paying with Cash

• Check branch and ATM hours – Make sure to pay during regular business hours to avoid issues

• Bring your credit card – You’ll need the physical card for ATM and some in-person payments

• Prepare for service fees – Third-party cash payment services charge small transaction fees

• Pay early – Allow 3-5 business days for payments to post to your account

• Get a receipt – Ask for a receipt with date and confirmation number as proof of payment

• Set payment reminders – Mark your calendar so you remember when to pay

Benefits of Paying Your Credit Card Bill on Time

Paying your credit card on time each month provides some major benefits:

• Avoid late fees – Credit card companies charge up to $40 for late payments

• Improve credit score – On-time payments are a major factor in credit scoring

• Lower APRs – Issuers may decrease your interest rate for responsible usage

• Maintain account status – Late payments can trigger account suspension

• Earn rewards – Many cards require good standing to earn and redeem rewards

• Show financial responsibility – Boosts your chances for loan and card approvals in the future

So be sure to pay on time, even if you need to make the trek to pay your Capital One card in cash! Just having a plan for making payments can help you avoid missed due dates and late fees.

Frequently Asked Questions

What are the requirements for paying a Capital One card with cash?

The only requirements are having your credit card account number and a valid photo ID. For ATM payments, you need the physical credit card.

Is there a fee for paying at a Capital One bank branch?

No, Capital One does not charge a fee for cash payments made directly at a branch location or ATM.

When will my cash payment post to my account?

Allow 3-5 business days for a cash payment to process and appear on your Capital One account.

Can I pay by cash through the mail?

No, Capital One does not accept cash payments by mail. You must pay in person.

What if I lost my credit card?

If you don’t have the physical card, you can still make a cash payment using your account number at any in-person location besides Capital One ATMs.

Are there Capital One locations open 24/7?

No, branch locations and ATMs have standard business hours. Check your local branch for details.

What do I need to pay at MoneyGram or Western Union?

You’ll need your credit card account number and the biller name, which is Capital One. Bring your ID as well.

Can I pay my Capital One auto loan in cash?

Yes, Capital One auto loans can be paid in cash using any of the methods mentioned above for credit cards.

Paying your credit card bill doesn’t have to be a hassle. With so many options to pay your Capital One credit card with cash, you can easily choose the method that fits your schedule and location. Just remember that on-time payments are crucial, so set calendar reminders if needed. Your credit score and finance health will thank you!