Capital One Credit Card Rewards

Phone Number & Getting a Rep

Capital One Credit Card Rewards number

800-228-3001
Toll-free·Calls Credit Card Rewards·See main phone number & contact info
Q:

How do I talk to a human at this Capital One number?

A:Dial 0, for Capital One No Hassle Rewards
Q:

Does this phone number work 24/7?

A:Yes! This phone number operates 24 hours a day, 7 days a week. The least busy day is Friday, and the most busy day is Thursday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Capital One Credit Card Rewards?

A:The average hold time is 8 minutes. The longest hold times are on Thursday, and the shortest are on Monday.

All Capital One customer service contact information

This is the #3 most popular Capital One phone number out of 6. Click above to go back to the main customer service number and other contact information, including Capital One email addresses, twitter handles, and live chat options.

More Capital One Customer Phone Numbers

Customer Service

877-383-4802
Main phone number · Toll-free · 24 hours, 7 days · Press 0# then 0# then 0 then 0# then 5 · Which of these can I help you with? Credit cards, press 1. Bank account, press 2. Auto loans, press 3. Credit wise, press 4.

Bank Servicing

800-655-2265
Toll-free · 24 hours, 7 days · Press 1 then 0 · In a few words, tell us how we can assist you today.

Online Banking Assistance

877-442-3764
Toll-free · 24 hours, 7 days · Use this number for Online Banking Assistance · In a few words, tell us how we can assist you today.

Lost or Stolen Cards

800-227-4825
Toll-free · 24 hours, 7 days · Keep saying "Representative" · Say or enter the last 4 digits of your card number.

International Customer Service

804-934-2001
24 hours, 7 days · Calling this Capital One number should go right to a real human being · Please say or enter your 16-digit card number.

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

GetHuman researchers routinely call this Capital One 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: Dial 0, for Capital One No Hassle Rewards
Here is how our research team describes the way the Capital One 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'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:

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
Tuesday, October 22, 2024 2:14 AM

What are the hours and when should I call?

Capital One operates the call center for this 800-228-3001 phone number 24 hours, 7 days. The short answer is that you should call on a Friday. This observation and the following section are based on analysis of a sample set of 21,216 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 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 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 is Friday. The most busy day to call is Thursday. Again, this is based on a sample of 21,216 calls made with our AI-powered, web-based phone in the last 90 days.

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 Thursday.

The best time to call

In summation, the best day to call Capital One is Friday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Capital One staffs the call center well on Friday.

Why call this Capital One number?

Below is a sample of recent calls to Capital One, and their purpose. Are any of these similar to the reason you are trying to call?
: ""
- From a call lasting 4m 21s , Oct 22, 2024 2:14 AM

Calling this Capital One Customer Number

Jeff Whelpley is the editor / author responsible for this content.
Jan 9, 2024

As a longtime Capital One cardholder, I decided to call the company to see if I could get a better interest rate on one of my cards that still carries a balance. Upon calling customer service, an automated system prompts callers to enter in their account number before proceeding. 

After entering in my number on the phone's keypad, the system provided basic information about my account and offered a menu of options, including making payments, checking transactions and accessing account details. The system also offers the option to say 'representative' to be immediately transferred to an agent. 

I chose to speak with a rep and waited less than a minute to be connected. Once she was on the line, I explained my situation of paying off my remaining balance, and asked if there was an option for reducing my current interest rate as I pay down the card. Apparently, she was unable to help with this specific request and needed to transfer me to another department. 

This was a slightly longer hold time than the first wait, but in about 5 minutes another rep was on the line. In another minute, I'd confirmed my personal information. I repeated my request, stating that I was trying to lower my interest rate while paying off the remainder of my card's balance. I also added that having been a longtime Capital One customer and making all my payments on time, I was hopeful that an offer was available.

The rep asked a few more questions about my account and current expenses before taking some time to search for a promotion or offer. I was placed on another quick hold. After about a minute, she returned to share that no offer was currently available to lower my rate, but I could call back in a month to check for possible promotions. This was discouraging, so I asked if there really was nothing they could offer, adding that another credit card company was just recently able to lower a rate for me. However, she explained that her hands were tired and she had no power to make any changes or adjustments.

Without wanting to press further, I thanked her for her time and ended the call. While the outcome was far from positive and not what I had hoped, I was glad to see that customer service agents are readily available and wait times aren't long when contacting Capital One for assistance.

Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.

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