To activate a credit card online, the cardholder must go to the website of the financial institution that issued the card. For example, Bank of America states that the easiest way for credit card customers to activate a new card is through using an established online banking ID and password.
Customers not yet enrolled in online banking with the credit card provider must do so before activating and using the credit card, after which the process involves verifying the customer's identity and verifying the card itself, explains Bank of America. It is then ready to use. Capital One cardholders follow a similar process, according to the company's website. It also states that all cards issued on an account must be activated by the primary cardholder, and that authorized users cannot activate cards online.