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Can you cancel a Capital One credit card without calling?

Here’s how you can cancel your Capital One credit card online.

In the age of online banking, why do banks usually still require a phone call for you to cancel your credit card? The short answer is that credit card companies don’t want to lose you – so they make it difficult to cut ties. When you call, a representative will usually bend over backwards trying to convince you to stay, which means you’ll need to be adamant about closing your credit card account.

Is it possible to cancel your card online?

Yes, it’s possible to cancel your Capital One credit card online.

Log in to your account and select I want to… and choose Close Account. You will then need to follow the steps carefully in order to close your account. This will involve paying off your balance in full and cancelling any pre-authorized payments.

Preparing to close your account

In order to properly close your Capital One credit card account, you’ll need to:

  • Put a stop to any automatic or pre-authorized payments on your credit card account.
  • Pay off your balance in full, or make at least the minimum monthly payment until your account balance reaches zero. If you still have to make payments, you’ll receive monthly statements until your balance reaches zero.

Once you’ve closed your account, your card will no longer be active which means any future transactions will be declined. Closing your account is usually permanent and very few exceptions are made to reopen an account. In addition, you’ll likely lose any unused rewards points once you close your credit card account, so be sure to use them beforehand.

For additional steps to take, read our guide to cancelling your credit card.

What you can expect when calling to cancel your card

To cancel your Capital One credit card via the phone, call 1-800-481-3239.

Calling to cancel your card will likely take some time. A representative may use enticing perks to attempt to persuade you to stay on as a customer. You could even be transferred to the bank’s customer retention division, where yet another representative may try to convince you to keep your credit card account open.

Before you call, have a game plan.

Before picking up the phone, decide whether you definitely want to close your account. Could you be enticed with perks or a lower APR?

  • If you’re cancelling your card to avoid financial trouble, consider sticking to your original decision of closing the account — no matter what perks are thrown your way.
  • If you’re simply looking for a lower interest rate, no annual fee or another perk, consider listening to what the representatives have to offer.

Apply for a new credit card today

Once you’ve cancelled your Capital One credit card, you may be looking for a new card that better fits your needs. Compare credit cards below or head to our credit card page to find out more.

Should I get a credit card from my bank or a different one?

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Get 15,000 bonus Scotia Rewards points with min. spend of $1,000 within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 annual spend on eligible purchases.
Earn up to 5% or $300 cashback in your first six months.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers a 0.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 30 June 2019.
12.99%
12.99%
$29
Save on interest by consolidating your higher-rate balances and enjoy a low 12.99% purchase interest rate.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
N/A
N/A
$499
Receive access to Air Canada priority check-in and over 700 lounges in airports around the world.
Offers a 3.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends June 30, 2019.
16.99%
16.99%
$0
Save on low interest rate and no annual fee.

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Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Balance Transfer Rate Annual Fee
Offers a 0.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 30 June 2019.
12.99%
12.99%
0.99% for the first 6 months (then 12.99%)
$29
Save on interest by consolidating your higher-rate balances and enjoy a low 12.99% purchase interest rate.
Earn up to 5% or $300 cashback in your first six months.
19.99%
22.99%
1.99% for the first 6 months (then 22.99%)
$99
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Earn up to 2.5% or $150 cashback in your first 3 months.
19.99%
22.99%
1.99% for the first 6 months (then 22.99%)
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get 2,500 bonus SCENE points with min. spend of $500 in the first 3 months. Ends 30 June 2019.
19.99%
22.99%
22.99%
$0
Save on $0 annual fee and earn 1 SCENE point for every $1 spent on all purchases.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
1.95% for the first 6 months (then 19.95%)
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.
Offers a 3.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends June 30, 2019.
16.99%
16.99%
3.99% for the first 6 months (then 16.99%)
$0
Save on low interest rate and no annual fee.
No available introductory offer.
17.99%
17.99%
17.99%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
Get 10% cash back on purchases with min. spend of $2,000 in the first three months. Ends 30 June 2019.

19.99%
22.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Enjoy a $0 annual fee for the first year.
Get 30,000 bonus Scotia Rewards points with min. spend of $1,000 in the first 3 months. Ends June 30, 2019.
19.99%
22.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
7.99% introductory interest rate on all spend for the first six months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
22.99%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 30 June 2019.
19.99%
22.99%
2.99% for the first 6 months (then 22.99%)
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
Receive 5,000 bonus Scotia Rewards points upon first eligible purchase within the first 2 months. Ends 30 June 2019.
19.99%
22.99%
22.99%
$110
Get 5% cash back on travel purchases via Scotia Rewards Travel Service and earn 1 Scotia Rewards point for every $1 spent on daily purchases.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first 2 months. Ends 30 June 2019.
19.99%
22.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
Get 5,000 bonus Scotia Rewards points with min. spend of $500 on eligible purchases within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
22.99%
$0 to $0
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
Waived annual fee for the first year of membership. Ends 30 June 2019.
19.99%
22.99%
22.99%
$0 annual fee for the first year ($79 thereafter)
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
Receive 2,000 bonus AIR MILES Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
1.99% for the first 6 months (then 22.99%)
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Receive 2,400 Air Miles Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
1.99% for the first 6 months (then 22.99%)
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get 15,000 bonus Scotia Rewards points with min. spend of $1,000 within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 annual spend on eligible purchases.

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Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Get 15,000 bonus Scotia Rewards points with min. spend of $1,000 within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 annual spend on eligible purchases.
Earn up to 2,500 points when you spend $500 within each billing period. Up to 30,000 bonus points in your first year.
19.99%
22.99%
$120
Earn up to 5 points for every dollar you spend at eligible restaurants, cafés, bars and food delivery.
Get 30,000 bonus Scotia Rewards points with min. spend of $1,000 in the first 3 months. Ends June 30, 2019.
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
N/A
N/A
$499
Receive access to Air Canada priority check-in and over 700 lounges in airports around the world.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Get 5,000 bonus Scotia Rewards points with min. spend of $500 on eligible purchases within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$0 to $0
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
Earn up to 5% or $300 cashback in your first six months.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get 10% cash back on purchases with min. spend of $2,000 in the first three months. Ends 30 June 2019.

19.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Enjoy a $0 annual fee for the first year.
Receive 2,000 bonus AIR MILES Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 60,000 bonus Marriott Bonvoy points when you charge $1,500 in the first 3 months (valid for new cardmembers only).
19.99%
22.99%
$120
Receive 5 Marriott Bonvoy points per dollar spent on eligible purchases at participating Marriott Bonvoy properties/stores, plus 2 points per dollar spent on other card purchases.
Offers 2,000 bonus AIR MILES Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 60,000 Marriott Bonvoy points when you charge $1,500 in the first 3 months.
19.99%
22.99%
$150
Receive 5 Marriott Bonvoy points per dollar spent on eligible purchases at participating Marriott Bonvoy properties/stores, plus 3 points for every dollar spent on eligible gas, dining and travel.
Receive 25,000 bonus Membership Rewards points when you spend $1,500 within the first three months of membership.
N/A
N/A
$150
Earn 2 points for every dollar you spend on eligible travel and purchases and 1 point for every dollar you spend elsewhere.
Receive 50,000 bonus Membership Rewards points when you spend $3,000 within the first three months of membership.
N/A
N/A
$699
Get up to $200 bonus travel credit every year.
Receive 2,400 Air Miles Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
N/A
$499
Earn 1.25 points for dollar you spend with no limit to the number of points you can accumulate.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Earn up to 2.5% or $150 cashback in your first 3 months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Waived annual fee for the first year of membership. Ends 30 June 2019.
19.99%
22.99%
$0 annual fee for the first year ($79 thereafter)
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
Offers 150 AIR MILES Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn one mile for every $15 you spend at official sponsors and one mile for every $20 you spend anywhere else.
Get 2,500 bonus SCENE points with min. spend of $500 in the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$0
Save on $0 annual fee and earn 1 SCENE point for every $1 spent on all purchases.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first 2 months. Ends 30 June 2019.
19.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
Receive 5,000 bonus Scotia Rewards points upon first eligible purchase within the first 2 months. Ends 30 June 2019.
19.99%
22.99%
$110
Get 5% cash back on travel purchases via Scotia Rewards Travel Service and earn 1 Scotia Rewards point for every $1 spent on daily purchases.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 30 June 2019.
19.99%
22.99%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
7.99% introductory interest rate on all spend for the first six months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
No available introductory offer.
17.99%
17.99%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.
Offers 30,000 bonus points when you spend $5,000 within the first three months of membership.
N/A
N/A
$250
Earn one point for every dollar spent and one additional point for every dollar spent at three eligible merchants of your choosing.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.

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Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Earn up to 5% or $300 cashback in your first six months.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Earn up to 2.5% or $150 cashback in your first 3 months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get 10% cash back on purchases with min. spend of $2,000 in the first three months. Ends 30 June 2019.

19.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Enjoy a $0 annual fee for the first year.
7.99% introductory interest rate on all spend for the first six months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 30 June 2019.
19.99%
22.99%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.
Waived annual fee for the first year of membership. Ends 30 June 2019.
19.99%
22.99%
$0 annual fee for the first year ($79 thereafter)
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
No available introductory offer.
17.99%
17.99%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.

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Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Get 2,500 bonus SCENE points with min. spend of $500 in the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$0
Save on $0 annual fee and earn 1 SCENE point for every $1 spent on all purchases.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Offers a 3.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends June 30, 2019.
16.99%
16.99%
$0
Save on low interest rate and no annual fee.
Get 5,000 bonus Scotia Rewards points with min. spend of $500 on eligible purchases within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$0 to $0
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
Earn up to 2.5% or $150 cashback in your first 3 months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 150 AIR MILES Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn one mile for every $15 you spend at official sponsors and one mile for every $20 you spend anywhere else.
7.99% introductory interest rate on all spend for the first six months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
No available introductory offer.
17.99%
17.99%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.

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Name Product Required Deposit Purchase Interest Rate Cash Advance Rate Annual Fee
$200 - $10,000
17.99%
N/A
$12.95
Take advantage of a low annual fee, with guaranteed approval and no credit check.

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Frequently asked questions

Image: Capital One Canada

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