Where Can I Pay My Capital One Bill With Cash? A Complete Guide

Paying your credit card bill on time each month is crucial for maintaining a good credit score and avoiding late fees. 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 in cash, you have several options to do so.

In this comprehensive guide, we’ll walk through the various ways you can pay your Capital One credit card bill with cash, as well as some tips for staying on top of payments.

Why Paying Your Credit Card Bill On Time Matters

Before we dive into the cash payment options, let’s review why it’s so important to pay your credit card on time in the first place. Here are some key reasons:

  • Avoid late fees: Credit card companies will charge late fees, usually around $30, if you miss your due date. These can add up over time.

  • Maintain good credit Payment history makes up 35% of your FICO credit score. When you pay on time, it shows lenders you’re a responsible borrower

  • Prevent interest charges: If you carry a balance, interest starts accruing on the unpaid amount if you don’t pay your bill in full each month. And high interest rates can make balances swell.

  • Keep account in good standing: Missing payments could lead your card issuer to reduce your credit limit or even close your account altogether.

So clearly, those on-time payments matter. Now let’s look at how you can specifically pay in cash if that’s your preferred method.

Pay at a Capital One Location

One of the most straightforward ways to pay your Capital One card in cash is to visit a Capital One location. Just stop by a branch near you and hand the cash over to a teller along with your credit card.

Capital One has around 700 branches nationwide, primarily on the East Coast, Texas, Louisiana and in the Chicago area. You can find a location on their website.

Branch hours are typically 9am to 6pm local time Monday through Friday, and 9am to 1pm on Saturdays. Be sure to bring a photo ID like a driver’s license as well.

Use a Capital One ATM

Some Capital One ATMs also allow credit card payments. This can be a quick and convenient option if you happen to have a Capital One ATM nearby.

To pay at an ATM, you’ll insert your credit card first and select the credit card payment option. After entering your PIN, you can feed in the cash. Receipts are provided to confirm the transaction.

However, not all Capital One ATMs accept cash payments – so check ahead of time. You can find nearby ATMs that take payments on their website or mobile app.

Visit Money Services at Kroger

If there’s not a Capital One location nearby, another option is to visit the Money Services counter at Kroger or one of its affiliated grocery store chains like Fry’s, Ralphs or Dillons.

Here’s how it works:

  • Bring your credit card bill and account number
  • Hand over the cash payment amount
  • There will be a fee charged by Kroger to make the payment, typically around $3
  • Payments need to be completed by 8pm local time to process the same day

With over 2,700 grocery locations across 35 states, Kroger Money Services gives you a widespread network to pay in cash. Just another convenient way to knock out your Capital One bill.

Use Other Bill Pay Services

You can also pay your Capital One card in cash at standalone locations for services like MoneyGram and Western Union. These spots are typically found inside drug stores, convenience stores, and major retailers.

Here’s a quick rundown of how to pay your bill at these spots:


  • Visit a MoneyGram location inside spots like Walmart, CVS, or Walgreens
  • Provide your Capital One account number and cash payment
  • There will be a fee around $5 on average

Western Union

  • Go to a Western Union at spots like Kroger, Safeway, Rite Aid
  • Give them the biller name ‘Capital One’ and your account number
  • Fees are usually $5-$10 on average


  • Link your Capital One card through their mobile app
  • Visit a participating store like 7-Eleven, CVS, or Walmart
  • The cashier scans your barcode and you give the cash
  • Fees range from $3-$5 based on amount

Between all these choices – Capital One branches, Kroger, MoneyGram, Western Union, and PayNearMe – you should have plenty of options to pay your Capital One credit card bill with cash.

Tips for Staying on Top of Payments

Now that you know the various ways to pay your Capital One card with cash, here are some tips to help stay on track with your payments:

  • Go paperless – Opt-in to paperless statements so you get email alerts when your bill is ready.

  • Pay early – Don’t wait until the due date if you can pay earlier, even by a few days. This gives a buffer.

  • Set reminders – Mark your calendar or set phone alerts leading up to the due date each month.

  • Automate – Set up automatic minimum payments as a safety net to avoid late fees.

  • Stick to a budget – Spend only what you can afford to pay off monthly. Carrying balances leads to interest.

  • Review statements – Carefully check statements each month for any fraudulent or incorrect charges.

Paying Your Capital One Card with Cash – The Bottom Line

Paying your credit card bills in cash takes a little more effort than automated payments. But by using Capital One branches, Kroger Money Services, or bill pay spots like MoneyGram and Western Union, you can easily pay your Capital One credit card with cash.

The most important thing is making those on-time payments each month – regardless of whether you pay online, by mail or in cash. Doing so will help you avoid fees, interest charges and credit score damage.

So be sure to carefully review your monthly statement and pay the minimum by the due date. Set reminders if needed to avoid forgetting. And take advantage of the many cash payment options for Capital One cardholders. Staying on top of your bill helps build responsible credit habits over time.

Where Can I Pay My Capital One Bill With Cash

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When should I pay my Capital One credit card bill?

Capital One credit card payments need to be made by 8:00 PM ET, Monday-Saturday 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. Capital One Bank: You can pay your Capital One credit card bill in person at any branch location.

Where can I pay my Capital One credit card bill?

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.

Does Capital One accept cash payments?

Cardholders can also apply cash back or travel rewards earned on a Capital One credit card toward their account balance through a statement credit. It is worth mentioning that Capital One does not accept cash payments by mail. They will only take checks or money orders for this payment method.

How does Capital One pay bills?

For example, Capital One offers AutoPay, which lets you set up automatic payments for your monthly credit card bills. Rewards. You may be able to earn rewardslike cash back, points or miles when you pay bills with a rewards credit card. Flexibility. However you choose to pay—online, over the phone or in person—you can generally use a card.

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