How to check your Capital One credit card balance

Once upon a time, if you wanted to know what your credit card balance was, you waited until your billing statement arrived in the mail. And while that’s certainly still an option, digital tools have now made it possible to view your card balance whenever it’s convenient for you.

Read on for a rundown of different ways to check your Capital One credit card balance.

Key takeaways

• You can check your credit card balance through your Capital One online account or by using the Capital One Mobile app.

• Other ways to check your card balance include contacting Capital One by phone at 1-800-227-4825 or by texting Capital One’s virtual assistant, Eno.

• Checking your card balance regularly may help you track your spending and keep your credit utilization low.

One of the most convenient ways to check your Capital One credit card balance is through the Capital One Mobile app. Besides providing a real-time look at your account balance, the mobile app provides a number of helpful account management tools, including card lock and credit score monitoring through CreditWise. The app is free to use and available for all Capital One cardholders.

Here’s how to check your card balance using the app.

1. If you haven’t already, download the app and log in using the same login information you use for your Capital One online account.

2. On the home screen, you can see the current balance of your Capital One credit cards, as well as the balances of your other Capital One banking accounts, including savings and checking accounts and auto loans.

3. You can also click into your account to see more details about your card, including your available credit, credit limit, minimum payment, payment due date and interest rate.

If you use the Capital One Mobile app with an iOS device, such as an iPhone or iPad, you can also download a widget that lets you view your credit card balance right on your device’s home screen. You also have the option to download multiple widgets to view the balances of all your Capital One banking or credit accounts at once without logging in to the mobile app.

To view your credit card balance online, simply sign in to your account and select your card to see your balance. Just like on the mobile app, you can also click into your account to see your credit card statement and other information pertaining to your account.

If it’s your first time accessing your credit card account online, you can start by clicking “Sign In” on the Capital One website. From there, click “Set Up Online Access” and follow the prompts to set up, authenticate and activate your account.

You can also check your credit card balance by texting Eno, Capital One’s virtual assistant. To get your balance, text “bal” or “account balance” to 227-898. Just remember that in order to chat with Eno via text, you have to confirm your consent to receive text messages—which you can easily do by signing in to your Capital One account. 

If you’re more comfortable checking your balance via a phone call, you can call the number listed on the back of your Capital One credit card. Or call our customer service line at 1-800-CAPITAL (227-4825).

Regularly reviewing your credit card balance is a good way to keep tabs on your spending and how much of your available credit you’re using. 

Keeping a close eye on your credit card balance also may help you spot any errors or fraudulent charges made to your card. If your balance seems higher than what you were expecting, you can review your statement to make sure all the charges look correct.

When you check your balance, you’ll also have an opportunity to evaluate how you’re spending your money across different spending categories and make adjustments to fit your budget and financial goals, if need be.

There are lots of convenient ways to check your Capital One card balance anytime you need to, including through the Capital One Mobile app. Download the app today and learn more about the digital tools available in the Capital One Mobile app and how they can help make everyday money management tasks easier.