It’s important to pay your credit card bill on time every month if you want to build and keep good credit. Many people pay their credit card bills online these days, but some still like to pay in person with cash. If you have a Capital One credit card, you have a few different ways to pay your bill with cash. Keep reading to find out more.
Pay at a Capital One Branch
Going to a Capital One branch is the easiest way to pay your credit card bill with cash. Just go to any Capital One bank or Capital One Café and tell the teller you want to pay your bill with a credit card. You’ll need to show your card number and photo ID. The teller will take your cash and put the money back in your account right away.
If you want the money to go into your account as soon as possible, this is the best choice. There is no waiting time or processing time because you are giving the cash directly to a Capital One employee. The payment is effective as soon as you make it.
Use a Capital One ATM
Some Capital One ATMs also allow credit card payments. To take advantage of this option, you’ll need your physical credit card to insert into the ATM. Make sure you visit an ATM specifically at a Capital One branch, as other banks’ ATMs won’t work.
When prompted, select the credit card payment option. Then you can put your cash in, and the money will be applied right away to your credit card balance. Paying at a teller or an ATM is the same speed and ease of use.
One downside is that not all Capital One ATMs accept cash payments. You may need to call ahead to your local branch to confirm their ATM offers this capability before stopping by.
Pay at Major Retailers
If getting to a Capital One location is inconvenient, you also have the option to make a cash payment at popular retailers like Walmart, CVS, and 7-Eleven. Here are some of the major stores that allow bill payments for Capital One credit cards:
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Walmart Money Services – Walmart allows customers to pay their Capital One credit card bills at Money Services counters inside stores. There is a small fee for this service, around $4-$5 on average.
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CVS – At any CVS pharmacy, you can make a cash payment through MoneyGram. There is a fee of about $10-$12 on average.
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7-Eleven – 7-Eleven participates in the PayNearMe cash payment network. You’ll be charged a fee based on how much you’re paying, usually around $3-$4 dollars.
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Western Union – Standalone Western Union locations and Western Union desks inside grocery stores like Kroger allow credit card payments. Fees vary by location.
While paying your Capital One bill at a major retailer is convenient, keep in mind it does take 1-2 business days for payments to process and post to your account. Make your payment a few days before the due date to ensure on-time delivery.
Money Transfer Services
There are also more specialized money transfer outlets you can use to pay your Capital One card with cash:
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MoneyGram – In addition to CVS, you can visit any standalone MoneyGram location. There are thousands of MoneyGram agents, so you likely have one nearby.
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Western Union – Aside from grocery stores, you can go to standalone Western Union spots and kiosks in convenience stores, check cashing stores, and more.
To use either MoneyGram or Western Union, you’ll need your Capital One credit card number and name. The agent will collect your cash, initiate the transfer, and provide a receipt. Again, payments take 1-2 days to post, so don’t wait until the last minute.
Tips for In-Person Cash Payments
Paying your credit card bill with cash allows you to avoid paying convenience fees that some issuers charge for electronic payments made with a debit card. However, you do need to factor in potential third-party money transfer fees at retailers. Here are some tips to save money with in-person cash payments:
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Ask about discounts for military members and senior citizens. Some bill pay services offer reduced fees for certain groups.
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Compare fees at multiple locations. Rates can vary greatly, so shop around.
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Pay higher amounts less frequently. The fees are usually tiered based on the payment amount, so you’ll pay less overall if you make one $500 payment vs. five $100 payments.
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Avoid the busiest times if paying at a store. Weekends and evenings tend to have longer lines and busier staff.
While cash payments take a bit more effort, it can be worth it for the convenience and security of paying your Capital One card in person. Just make sure to account for processing times so your payment isn’t late.
A blend of financial and everyday well-being
Capital One Cafésâwhere banking meets living. Everyoneâs welcome to relax and recharge, enjoy beverages and snacks, and connect to free Wi-Fi in our cozy space. Need to bank? We have self-service options and friendly Ambassadors to help. Services include:
- Check balances
- Manage or open accounts
- Enjoy food, drinks and moreâdine in or to go
- At our ATMs, you can do things like get cash or make deposits without using a banker.
- Use our free Wi-Fi and working spaces
- Learn about our Money & Life Program
- And much more
Capital One locationsGet your banking done at Cafés, bank branches, ATMs or local stores.
Relax, refuel and recharge at a Capital One Café.
Get help from a friendly Ambassador at one of our full-service branches.
Get cash from your checking account at our 70,000+ ATMs nationwide.
Add cash to your eligible checking account at your nearest Walgreens or CVS®.
Add Cash to Your Capital One Checking Account at CVS® in a Few Simple Steps | Capital One
FAQ
Where can I pay my Capital One credit card with cash?
You can pay your Capital One credit card bill in person at a Capital One branch, or at the Money Services counters in Kroger brand stores. You can also make a payment at MoneyGram and Western Union locations, which can be found inside Walmart, Rite Aid, Walgreens, and Money Tree stores.
Where can I deposit cash onto my Capital One card?
You can make a cash deposit at any Capital One ATM, branch or Café. You may also Add Cash in Store at CVS®, Walgreens® or Duane Reade by Walgreens® locations. Capital One checking customers can deposit cash at select Allpoint® ATMs, but they can’t at MoneyPass® ATMs.
Where can I pay my credit card bill in cash?
You can do this at your issuer’s local bank branch, an issuer-owned ATM (if applicable) or through a money order. Knowing how to pay your bill in cash may be helpful if you ever find yourself in a situation where you don’t have a bank account or you’re unable to pay your bill online.
