How to manage your Capital One credit card purchases

Your Capital One credit card comes packed with great features to help make both spending and managing your purchases easier. Whether it’s added security at online checkout with virtual cards or automatic notifications from Eno, your Capital One assistant, spending with a Capital One credit card can give you a big advantage.

Keep reading to learn how using a Capital One credit card can make it easier to check out and manage your purchases.

What you’ll learn:

• Virtual cards and the Capital One Mobile app make online shopping more convenient, even when you don’t have your physical card on hand.

• Tools like card lock and fraud alerts can help you shop online with more confidence.

• Eno can help you monitor your spending by sending you notifications when it spots unusual activity on your credit card account.

• You can use the Capital One Mobile app’s built-in subscription management tools to view upcoming subscription payments and cancel or block unwanted charges.

Using your Capital One credit card means enjoying features that can help make online shopping faster, easier and more secure. Here are a few digital tools that help make it easier to pay online with your Capital One card:

If you enjoy the convenience of shopping online but don’t like the idea of sharing your physical card number with stores, give virtual cards a try.

Virtual cards let you make purchases online while keeping your physical card number to yourself and eliminating the need to have your physical card on hand. And for added control, you can lock or unlock virtual cards anytime without affecting your other spending. 

You can access or create new virtual cards through the Capital One Mobile app or when checking out with autofill on Chrome or in Android apps. 

• Capital One Mobile app: Your virtual card is available 24/7 in the Capital One Mobile app. Sign in to your account through the mobile app or online via desktop to access it.

• Virtual cards on Chrome or in Android apps: Customers using an eligible Capital One credit card can use virtual cards with Google Pay™ when shopping on Chrome or in Android apps. Simply choose a virtual card from the drop-down menu at checkout, and your payment information will automatically be filled in. You can also turn on your virtual card in Google Wallet™.

Digital wallets make paying without your physical card a breeze. And you can add your Capital One credit card to most digital wallets—including Apple Pay®, PayPal®, Samsung Pay® and Google Pay—and use it to securely pay in stores and online when you don’t have your card on hand. 

Paze® is a way to check out online; it is offered by Capital One and other participating banks and credit unions. It’s a checkout method that comes with your Capital One credit card—there’s no separate app to download or new username and password to create. 

Just use the email address or phone number associated with your online banking account and select Paze when it’s available at checkout. After verifying your identity, you’ll see your eligible cards automatically listed as payment options.

When you shop with your eligible Capital One rewards card, you’ll have multiple options for redeeming your rewards. For example, if you link your card to your Amazon.com account, you have the option to apply your miles or cash back rewards toward your purchase. You can also link your card to PayPal to apply your rewards toward purchases made with your PayPal account.

Your Capital One credit card not only makes it easier to check out your way—it can also make managing your purchases simpler.

Protecting your money is important, and Capital One can help you keep a closer eye on your account activity through automatic fraud alerts. If Capital One detects a suspicious charge on your credit card account, you’ll be notified immediately so you can resolve any issues.

It’s easy to set up recurring payments with a credit card—keeping up with them, however, can be a challenge. Luckily, Capital One can help make it easier to keep track of your recent transactions and recurring charges, such as monthly bills and subscriptions. You can use Eno or the Capital One Mobile app to see all your recent transactions so you can know exactly where your money is going. 

With the subscription management tools available right in the app, you can easily view your upcoming subscription payments and cancel or block unwanted future charges—all in one place.

Another option is to create a virtual card for a specific store to use for a recurring payment. For some types of virtual cards, you can assign a custom expiration date. This makes them a helpful tool when signing up for a subscription service’s free trial. You can also lock a virtual card once a free trial is over to prevent further charges to that card. Just remember to read the terms of the trial carefully and officially cancel with the merchant before the trial window ends to avoid owing a balance.

You can enable alerts and notifications through the Capital One Mobile app to help ensure your card is being used as you intended. These include:

• Instant purchase notifications: The Capital One Mobile app will alert you when a transaction is completed on your credit card for greater than the amount you defined.

• Generous tip alerts: Eno can let you know if it spots a higher-than-usual tip.

• Card decline alerts: If your card is declined, Eno can reach out to explain why and help you get back on track.

If you’re a Capital One credit cardholder, you can take advantage of multiple digital tools that help you shop smarter and manage your purchases with ease. 

To start managing your Capital One credit card purchases from your fingertips, get the Capital One Mobile app today.