Capital One Credit Card Customer Service

Phone Number & Contact Info

Capital One Credit Card's Best Phone Number

800-955-7070
Toll-free·Calls Customer Service·Most popular Capital One Credit Card number
Q:

How do I talk to a live human at Capital One Credit Card?

A:Press 0 at the first menu. Next, say "Representative" (You will have to say it a few times).
Q:

Does Capital One Credit Card offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Monday.
Q:

How long will I wait on hold?

A:The average hold time is 16 minutes. The longest hold times are on Friday, and the shortest are on Monday. How is this calculated?

Capital One Credit Card Customer Phone Numbers

Member Services

800-955-6600
Toll-free · 24 hours, 7 days · Press 0#, 0# then 5 · Say or enter the last 4 digits of your card number.

Application Line

800-548-4593
Toll-free · 24 hours, 7 days · Press 0 (operator) at each prompt · Say or enter the last 4 digits of your card number.

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Capital One Credit Card phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 0 at the first menu. Next, say "Representative" (You will have to say it a few times).
Here is how our research team describes the way the Capital One Credit Card phone system greets you: Say or enter the last 4 digits of your card number.
Below are some clips we've found from Capital One Credit Card's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"Thanks for calling Capital One. What was that? What are the last four digits of your credit card number? You can also That doesn't seem to match what I have on file. Let's try again."
Excerpt from a call with Capital One Credit Card
Wednesday, January 3, 2024 8:22 AM

They may ask your reason for calling (instead of a menu)

"You can also say apply for a new account. I understand that you want to talk to a representative. But I'll be better able to help you once I can find the account you're calling about.
Got it.
To better help you, please tell me what you're calling about today."
Excerpt from a call with Capital One Credit Card
Saturday, March 16, 2024 9:34 PM

They may ask you to enter information with the dial pad

"Thanks for calling Capital One. This call is being recorded.
What was that? What are the last it looks like we're having some trouble.
Let's try another way. Using the keypad on your phone, please enter the last four digits of your card number."
Excerpt from a call with Capital One Credit Card
Thursday, January 25, 2024 4:36 PM

They may ask you to say or enter information

"Thanks for calling Capital One.
This call will be monitored and recorded for quality assurance training, and authentication purposes.
Please say or enter your sixteen digit card number."
Excerpt from a call with Capital One Credit Card
Friday, April 5, 2024 9:16 PM

They may need to look up your account

"I understand that you want to talk to a representative. But I'll be better able to help you once I can find the account you're calling about.
To try entering your card number again, press one.
To use your Social Security number to look up your account, press two."
Excerpt from a call with Capital One Credit Card
Saturday, March 23, 2024 8:38 PM

The first phone menu

"Thanks for calling Capital One. This call is being recorded. Please say or enter your sixteen digit card number. No problem. Which of these are you calling about? Your current account, the status of a new account application, or applying for a new account? You can also say what was that? Say my current account.
Or press one, status of a new account application or press two, apply for a new account, or press three.
You can also say help me with something else or press four."
Excerpt from a call with Capital One Credit Card
Tuesday, March 12, 2024 9:53 PM

What are the hours and when should I call?

Capital One Credit Card operates the call center for this 800-955-7070 phone number 24 hours, 7 days. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 685 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Capital One Credit Card phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Capital One Credit Card staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Capital One Credit Card is Sunday. The most busy day to call is Monday, which averages 82% more phone calls by comparison. Again, this is based on a sample of 685 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Busiest
Tue
Wed
Thu
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Monday. The longest wait in the queue on average occurs on Friday.

The best time to call Capital One Credit Card

In summation, the best day to call Capital One Credit Card is Thursday.

Why Customers Call Capital One Credit Card

If you have time to do a bit of reading before you call Capital One Credit Card, we recommend you read over some of our problem-specific articles.

What are the benefits of having a Capital One credit card?

Having a Capital One credit card comes with a range of benefits. Firstly, there is the opportunity to earn rewards on every purchase made with the card. These rewards can be redeemed for travel, cashback, gift cards, or merchandise. Capital One credit cards also provide fraud coverage, ensuring customers are protected against unauthorized transactions. Moreover, cardholders have access to their credit score for free on the Capital One Credit Wise platform, enabling them to monitor and improve their credit health. Additionally, Capital One offers personalized alerts and mobile app features for convenient account management. Another advantage is the ability to customize payment due dates to suit individual preferences. Furthermore, Capital One credit cards have no foreign transaction fees, making them ideal for international travel. Overall, having a Capital One credit card offers rewards, security, credit monitoring, flexibility, and convenience for customers.

What is the interest rate on Capital One credit cards?

The interest rates on Capital One credit cards vary depending on the specific card that you have. The rates typically range from around 15% to 25% APR (Annual Percentage Rate) for purchases and balance transfers. It's important to note that these rates are subject to change based on factors such as your creditworthiness and market conditions. To determine the specific interest rate on your Capital One credit card, you can refer to the terms and conditions provided when you applied for the card or contact Capital One customer service. It's essential to understand and manage your interest rate to make informed financial decisions and effectively control your credit card expenses.

Are there any annual fees for Capital One credit cards?

No, there are no annual fees for most Capital One credit cards. Capital One offers a wide range of credit card options that suit different needs and preferences, and the majority of these cards do not have an annual fee attached to them. This means that cardholders can enjoy the benefits and features of their chosen Capital One credit card without any additional charges each year. However, it is important to note that certain specialized cards, such as some premium or business cards, may have an annual fee associated with them. Therefore, it is recommended to review the terms and conditions of each card to determine whether an annual fee applies or not.

Top Capital One Credit Card customer service problems

Click the link above to get answers to just about any Capital One Credit Card customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Capital One Credit Card, and their purpose. Are any of these similar to the reason you are trying to call?
Reporting stolen credit card: "Hello? I wanna report a stolen credit card."
- From a call lasting 5m 21s , Apr 17, 2024 10:56 PM
Credit card application: "I want to apply for a credit card."
- From a call lasting 4m 13s , Apr 5, 2024 9:16 PM
Payment inquiry: "I had scheduled a payment but it came out the same day, which typically never happens."
- From a call lasting 6m 55s , Apr 2, 2024 4:10 PM
Verifying identity: "Benjamin, my name is Kitzy, K I T S Y, Last name, Lauter, L O W T H E R."
- From a call lasting 4m 25s , Mar 26, 2024 8:33 PM
Status of new card: "I was approved for a new card about ten days ago, but I have not received it yet."
- From a call lasting 4m 4s , Mar 16, 2024 9:34 PM
Report possible fraud: "My card is not working, I heard that there's some fraudulent activity on it."
- From a call lasting 17m 39s , Mar 13, 2024 5:47 PM
Questions about account linkage: "How can my account be linked when I only have one account?"
- From a call lasting 29m 3s , Mar 8, 2024 11:21 PM
Concern about fake calls: "I've been getting a lot of calls from people claiming to be Capital One from different numbers every day."
- From a call lasting 26m 17s , Mar 5, 2024 4:47 PM
Billing inquiry: "Does it show you, like, my bill or how much I owe?"
- From a call lasting 5m 13s , Mar 1, 2024 2:42 AM
Disputing a charge: "I want to dispute a charge made to my card by Apple and need help with getting a refund."
- From a call lasting 21m 31s , Feb 15, 2024 9:37 PM

More Capital One Credit Card Customer Service Contacts

There are of course other ways to contact Capital One Credit Card customer service besides the phone. Below we list the best ones, by medium.

Capital One Credit Card Customer Service on X (formerly Twitter)

twitter.com/AskCapitalOne - Customer Service
Use the link to connect with customer service through Twitter
Capital One Credit Card, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.

Capital One Credit Card Customer Help Desk / Web Support

capitalone.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Capital One Credit Card customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Capital One Credit Card's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Capital One Credit Card agent. This phone number is Capital One Credit Card's best phone number because 24,120 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-955-7070 include Technical Support, Refund or Suspicious Charges, Update Account Information, Recover Account, Setup Payment Arrangement and other customer service issues. The Capital One Credit Card call center that you call into has employees from Massachusetts, Louisiana, Utah, Virginia and is open 24 hours, 7 days according to customers. In total, Capital One Credit Card has 3 phone numbers. It's not always clear what is the best way to talk to Capital One Credit Card representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Capital One Credit Card. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Capital One Credit Card. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

Call with our super-powered phone
  • Click to call- even from your desktop
  • We dial and get a human for you
  • AI-powered suggestions of what to say
  • Keep a transcript and other stats
  • Free, unintrusive: no account needed

Compare Capital One Credit Card Customer Service

Was this page helpful?YesNeeds work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!