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How to activate a Capital One credit card

There are three ways you can activate your card.


You can activate your Capital One card by phone, online or by using your Capital One mobile app. No matter which option you choose, the activation process is fast and easy.

How to activate your Capital One card online

If you choose this option, you’ll need a Capital One online account first. If you don’t have one, sign up using your personal details such as Social Security number, bank account number and date of birth. Once you have online access, here’s how to activate:

  1. Go to the Capital One website.
  2. Log in with your username and password.
  3. Find your credit card.
  4. Use the last three-digit security code on the back of your card to activate it.

How to activate your Capital One card by phone

To activate your Capital One card by phone, you need to:

  1. Call 800-227-4825.
  2. Follow the instructions.

How to activate your Capital One card with a mobile app

If you’d rather use your mobile app to activate your card, here’s how you can do it:

  1. Download the Capital One mobile app for iOS or Android.
  2. Log in with the same information as your Capital One online account.
  3. Tap your profile, and then Account settings.
  4. You’ll see your new credit card. Tap Activate credit card.

Compare Capital One credit cards

With your Capital One card active, you can start using it right away. Down the line, you could consider applying for another card to increase your credit line and get perks your current card lacks.

For example, if your card earns flat rewards on all purchases, your next card could earn top rewards on groceries, gas or any other category where you spend most. Check out the cards in the table below to see what perks you could get.

Name Product Filter values Rewards Purchase APR Annual fee
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® VentureOne® Rewards Credit Card
5x miles on Uber Eats and 1.25x miles on all purchases
0% intro for the first 12 months (then 15.49%, 21.49% or 25.49% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Capital One® Secured Mastercard®
26.99% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One® SavorOne® Cash Rewards Credit Card
5% cash back on Uber Eats, 3% on dining and entertainment, 2% at grocery stores and 1% on all other purchases
0% intro for the first 15 months (then 15.49% or 25.49% variable)
A no-annual-fee card with up to 3% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases.
CardMatch™ from
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.

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Bottom line

You can easily activate your Capital One credit card either online, by phone or via the Capital One mobile app. Consider adding a second credit card to your wallet, which can get you additional perks or expand your credit limit.

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