<prompt> Human: Im looking into getting a second credit card with no annual fees, and from what I can gather, I probably qualify for the Capital One Quicksilver card. They also offer no foreign transaction fees with the 1.5 cash back, so it would fit my needs. However, I dont want to open any checkingsavings account with them since I currently use Wells Fargo for checking with physical branch location and Im looking to use Ally for a savings account. Im just trying to avoid complicating things too much.There are no physical branches for Capital One where Im at, and most alternative ways of paying in person seems like they cost a fee. It looks like you can add a payment account but I cant get more information about that without an online account. Im just wondering if it acts like an e-checkACH if Im paying from a Wells Fargo checking account or if itll incur fees somehow. Could another option be paying them via Wells Fargo bill pay?  <response>: I have a capital one credit card. You can add any external checking account and pay your CC via ACH, no need to have an account with them. No fee. Wells Fargo bill pay is another option, but theres no way to auto-pay the full statement balance that way, youd have to proactively log in once a month and set the specific payment amount. 