How Do I Use My Points to Pay My Bill with Capital One

Using the Capital One mobile app or website to redeem reward points to pay your bill is easy and convenient. Learn how to use PayPal, your computer, or your smartphone to redeem points for cash that can be applied to your Capital One bill. Your points will never expire while the account is open and in good standing and you can redeem them at any time.

Rewards programs are a major selling point for credit card companies. Many companies provide reward points to customers to redeem for cash or gift cards, to apply to bills, or to help with travel expenses. Capital One has credit cards that offer reward points to customers. If you are a Capital One cardholder and want to use your points to pay your bill, you may be wondering what to do next. Below, you can learn how to redeem your points to pay your Capital One bill.

Ways to Redeem Points

Capital One reward points can be redeemed online or via the mobile app. You can also link your PayPal account to your card to redeem points for bill pay. Below are the steps to using your reward points to pay your Capital One bill.


To redeem award points online, follow these steps:

  1. Log in to your account on the Capital One website.
  2. Go to your rewards page.
  3. Select the number of reward points you wish to redeem.
  4. Select the "credit back to your account."
  5. Click "Redeem Points."

Via Mobile App

To redeem points through the Capital One mobile app, follow the steps below:

  1. Open the mobile app on your smart device.
  2. Log into your account.
  3. Go to the rewards page.
  4. Select the number of reward points you wish to redeem.
  5. Select "credit back to your account."
  6. Tap on "Redeem Points."

Using PayPal

When you link your card to PayPal for point redemption, you can use your points to transfer money to your Paypal account. You can then use that money for anything you wish, including paying off your card balance.

Things to Remember

When you are managing your Capital One reward points, here are some things to remember.

  1. All rewards earned are yours for a lifetime. They do not expire as long as the account is open.
  2. You can redeem all your points at one time, or you can choose to only redeem a percentage of your points. The points you don't redeem stay in your reward account.
  3. Your account must be in good standing to redeem points. If it is delinquent, in default or suspended, you cannot redeem reward points.

Paying your bill with your Capital One rewards points is easy and can help you stay on top of your monthly statements. if you need more information, contact Capital One customer support here and put your points to work for you.

Why Did GetHuman Write "How Do I Use My Points to Pay My Bill with Capital One"?

After thousands of Capital One customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Use My Points to Pay My Bill with Capital One to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Capital One if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Use My Points to Pay My Bill with Capital One guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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