The Capital One Prepaid MasterCard is a convenient and secure alternative to cash or checks—and no credit check or bank account is required to get the card. You deposit money onto the card and then use it to make purchases at retail locations, online, or over the phone—everywhere Debit MasterCard cards are accepted.

You can deposit cash onto your card at thousands of participating Western Union^® Agent locations across the U.S., or you can have your employer deposit your paycheck directly onto your card.

Please note cash reload fees may apply; review the fee schedule for complete details.

The Capital One Prepaid MasterCard is prepaid, which means it is completely powered by your cash. The money you have on your card is the money you have to spend. You'll never pay overdraft fees or interest charges. Plus, there are no credit checks required to get the card.

There is an initial $4.95 card setup fee, but that amount will be refunded to you as long as you make a direct deposit to your card within 60 days after card activation. For the full list of fees, please see the fee schedule.

There is no APR on this card. The Capital One Prepaid MasterCard is prepaid, which means it is completely powered by the cash you deposit onto the card. You'll never pay any interest charges—ever.

Please review the Terms and Conditions for terms governing the Capital One Prepaid MasterCard.

No, you do not. You can load cash onto your card at any of the thousands of participating Western Union Agent locations, or you can set up direct deposit to have funds like your paycheck or government benefits loaded directly onto your card. Either way you choose, there's no need for a separate bank account.

You can activate your card online or by calling the toll-free number listed on the activation sticker on the front of your card. You can begin using your card as soon as it is activated and has funds available.

Direct deposit is an easy way to electronically deposit funds (usually from a paycheck or a pension or Social Security check) onto your Capital One Prepaid MasterCard. With direct deposit, you'll have access to your money the moment you're paid without the high fees of many banks and check cashing services. What's more, direct deposit is completely free.

When you receive your card in the mail, you’ll also receive a direct deposit form that you can fill out and turn in to your employer or government agency. Once you give your employer or government agency the completed form, they will set up direct deposit onto your Capital One Prepaid MasterCard.

If you change jobs, you can continue to use the same Capital One Prepaid MasterCard. You simply have to give your new employer the same direct deposit information. If you need additional direct deposit forms, simply log in and download the form from our Web site, or call us toll-free at 1-866-532-9632.

You may deposit cash onto your Capital One Prepaid MasterCard at thousands of participating Western Union Agent locations across the U.S. Funds are usually available for use within 30 minutes or less.

You can get cash back at no cost when you make a debit purchase using your PIN at U.S. retail locations that accept MasterCard debit cards. You can also make cash withdrawals, for a fee, at any ATM displaying the MasterCard Acceptance Mark. Please be aware that additional fees may be charged by the bank that owns the ATM you use.

A Personal Identification Number (PIN) allows you to access your funds so you can withdraw cash at an ATM. You can also use your PIN for debit card purchases at retail locations. To perform such a transaction, you must select debit card or checking account during checkout.

Yes. You can change your password/PIN by logging into your online account or by calling toll-free 1-866-532-9632 and using either our automated system or speaking with a customer service agent.

Contact customer service toll-free at 1-866-532-9632, and they will assist you in creating a new password/PIN.

Bill Payment with the Capital One Prepaid MasterCard is easy! You can pay bills (utility, phone, etc) electronically through merchant websites using your 16 digit card number. If the merchant cannot accept debit cards, you can use our electronic bill pay with access to thousands of billers for only $0.50 per payment. If they’re not listed in our database, we can still send them a payment on your behalf for only $1.00.

If you do lose your card, report it immediately by calling toll-free 1-866-532-9632.

You can use your card to make purchases at millions of merchants worldwide everywhere Debit MasterCard cards are accepted. With your available balance, you can rent a car, buy airline tickets, and make purchases online or over the phone.

Yes. However, it is important to remember the merchant may place a hold on a portion of the funds on your card to secure the reservation. Only after the transaction settles will the difference between the hold amount and the transaction amount be released back onto your card.

You can check your balance and keep track of your purchases by logging into your online account or by phone by calling toll-free 1-866-532-9632. You can also sign up for wireless alerts and have your balance information sent to you.

You can easily keep track of your balance and purchases by logging into your online account. If a discrepancy exists, please contact customer service toll-free at 1-866-532-9632 for assistance. Our automated phone system is available 24 hours a day, seven days a week. Agents are available from 7 AM - 1 AM ET Monday - Friday and 8 AM - 8 PM ET Saturday & Sunday.

Yes, but you will need an available balance of at least $55. Also, it is important to remember that if you use your prepaid card at a pump that does not require a PIN, the merchant may place a hold, typically as much as $75, on the funds on your card. Only after the transaction settles will the difference between the hold amount and the transaction amount be released back onto your card.

If you notice a fraudulent transaction on your account, call us toll-free immediately at 1-866-532-9632 for assistance. Please have your account information available so that we can assist you as quickly as possible.

You will need at least 15% above the authorized security deposit amount to rent a car.

Report a lost or stolen card immediately by calling toll-free 1-866-532-9632 or logging into your online account. You're protected from fraudulent use of a lost or stolen card with MasterCard Zero Liability*.

You may contact customer service toll-free at 1-866-532-9632. Our automated phone system is available 24 hours a day, seven days a week. Agents are available 7 AM - 1 AM ET Monday - Friday and 8 AM - 8 PM ET Saturday & Sunday.

Let's assume you have $23.67 left on your card. Make a purchase for $23.67 or higher, but ask the sales clerk to charge only $23.67 (the exact amount of the remaining balance) to your Capital One Prepaid MasterCard. Then, pay the balance of the transaction using another payment method (such as cash, check, or credit card).