Tracking and managing your recurring transactions and purchases can help you keep a handle on your financial health. A recurring transaction can be a fixed or variable amount, such as a monthly utility bill, or a subscription, such as a membership to a streaming service.
Subscription manager
Our in-app subscription manager allows you to view recurring transactions on your Capital One credit card with a view of the anticipated charge date and amount. This helps you make decisions about the charges to keep, block or cancel.
The subscription manager is available in the Capital One app—you’ll need to sign up for an online account if you don’t already have one.
Keep in mind that these anticipated charges are based on historical transaction data and may not be current, especially if you took recent action to cancel these payments.
Block a recurring transaction
Our subscription manager can block a recurring transaction when it’s through one of our eligible merchants. If a recurring transaction is blocked, Capital One won’t approve it moving forward for 12 months. However, this does not apply to pending transactions that occurred before the block.
Blocking a recurring transaction could be helpful when you forget about a subscription with a “free trial” and it ends. If you change your mind and want to continue the subscription, you can unblock at any time using the subscription manager. Note that blocking a recurring transaction does not cancel a subscription.
Cancel a recurring transaction
You can also cancel unwanted subscriptions from participating merchants using the subscription manager. Once you identify a subscription you no longer want or need, a cancellation request is sent to the merchant. A cancellation request is typically resolved within 5 calendar days. For some subscriptions, you may have to manage your account directly with the merchant or service provider.
Managing recurring transactions
If you ever need to replace your card, remember to update your recurring transactions with your new card information. Some merchants may automatically update, but not all will.
As an alternative, virtual cards offer a convenient way to help manage recurring charges. You can usually generate a virtual card number specifically for a subscription or membership, which can be easily locked without affecting your physical card. This adds an extra layer of security and control over your recurring transactions.
Can I block a recurring credit card transaction?
Our subscription manager can block a recurring transaction or subscription when it’s through one of our eligible merchants.
If a recurring transaction is blocked, Capital One won’t approve it moving forward for 12 months. However, this does not apply to pending transactions that occurred before the block.
Note that blocking a charge does not cancel your subscription.
To cancel a subscription, you'll have to manage your account with the service provider, or, if available, cancel it through our subscription cancellation service.
Do I have to update recurring transactions when I get a new or replacement card?
When you get a replacement card, make sure to update recurring charges and transactions with your replacement card number.
Even though some merchants may automatically update, review your recurring merchants to prevent charges from being declined.
Virtual cards also offer a convenient way to help keep your recurring charges up to date while adding an extra layer of security and control over your recurring transactions.
How can I review my list of recurring transactions and subscriptions?
You can find your recurring transactions and subscriptions in the Capital One Mobile app. Select your credit card account and navigate to the Expected Transactions page.
Our subscription manager automatically identifies subscriptions and recurring charges on your Capital One credit card, showing anticipated charge dates and the amounts in one place.
Keep in mind that it may take a few billing cycles to identify all your recurring charges. Additionally, anticipated charges are based on historical transaction data and may not be current, especially if you took recent action to cancel these payments.