How to pay your Kohl's credit card balance
You can pay your Kohl's credit card bill online through the Kohl's website, by phone, by mail, or in person at a Kohl's store. The fastest method is online through your account at Kohls.com — you log in, view your balance, and submit a payment in minutes. If you prefer to speak with someone, you can call the customer service number on the back of your card.
Payments made online or by phone typically post to your account within one business day. Mail payments take longer — usually five to seven business days from the time Kohl's receives them, depending on postal delays. In-store payments at a Kohl's register are processed immediately but only cover your Kohl's card balance, not other debts.
Key Takeaways
- Online payments through Kohls.com are the fastest option and post within one business day.
- You can pay by phone using the number on your card, and the payment posts the next business day.
- Mail payments take five to seven business days to post, so send them well before your due date to avoid late fees.
- In-store payments at a Kohl's register are immediate but do not work for automatic recurring payments.
- Set up automatic payments through your online account to pay the same amount on the same day each month.
Paying online through your Kohl's account
Log into your account at Kohls.com using your email address and password. Click on "Account" or "My Account" in the top menu, then select "Manage Credit Card" or "Credit Card Account." You will see your current balance, minimum payment due, and due date. Click "Make a Payment" and enter the amount you want to pay.
You can pay from a checking or savings account linked to your Kohl's account, or use a debit card. Enter the account or card details, confirm the payment amount and date, and submit. You will receive a confirmation number immediately. The payment posts to your account the next business day, though it may take a few days to show in your available credit.
Paying by phone
Call the customer service number printed on the back of your Kohl's credit card. A representative will verify your identity by asking for your card number, Social Security number, or other account details. Tell them you want to make a payment and provide the amount.
You will need a checking or savings account number, or a debit card ready. The representative will process the payment over the phone and give you a confirmation number. Like online payments, phone payments post within one business day. Keep the confirmation number for your records.
Paying by mail
Write a check or money order payable to Kohl's Department Stores. Include your account number on the check. Mail it to the address printed on your monthly statement — this is the payment processing center, not a store location. Do not mail payments to a Kohl's store.
Mail payments take five to seven business days to arrive and post. To avoid a late fee, mail your payment at least ten days before your due date. If you are close to your due date, use online or phone payment instead. Keep a copy of your check or the tracking number if you use certified mail.
Paying in person at a Kohl's store
Bring your Kohl's credit card and cash or a debit card to any Kohl's store. Go to the customer service desk or a checkout register and tell them you want to make a payment on your credit card. The cashier will process the payment immediately and give you a receipt.
In-store payments are useful if you prefer to pay in cash or want an immediate receipt, but they do not set up recurring payments. You will need to return to a store each time you want to pay. This method works only for your Kohl's credit card balance and does not cover other Kohl's accounts.
Setting up automatic payments
Log into your account at Kohls.com and go to "Manage Credit Card." Look for "Autopay" or "Automatic Payments" and click to set it up. Choose the amount you want to pay each month — you can select a fixed dollar amount, your minimum payment, or your full statement balance. Pick the day of the month you want the payment to come out.
Automatic payments draw from a checking or savings account you link to your account. Once set up, the payment happens on the same day each month without you having to do anything. You can change or cancel automatic payments anytime through your online account. This is the easiest way to avoid missing a due date and paying late fees.
What to do if you cannot pay the full balance
You are not required to pay your full balance each month — you can pay any amount at or above your minimum payment. Your minimum payment is shown on your statement and in your online account. Paying only the minimum means you will pay interest on the remaining balance and take longer to pay off the card.
If you are having trouble making even the minimum payment, contact Kohl's customer service to discuss your options. Some cardholders may be able to work out a payment plan or temporary adjustment. The sooner you call, the more options you may have. Do not ignore the bill — missed payments damage your credit and trigger late fees.
Frequently Asked Questions
How do I know if my payment went through?
Online and phone payments give you a confirmation number immediately. Check your online account the next business day — the payment should show in your transaction history. Mail payments take longer to appear. If you do not see your payment within the expected timeframe, call customer service with your confirmation number.
Can I pay someone else's Kohl's card bill?
You can make a payment on someone else's account if you have their permission and account number. Mail payments work best for this — write the account number on the check. For online or phone payments, you will need access to the account or the cardholder's authorization. Call customer service to ask about your specific situation.
What happens if I pay late?
A late fee is charged if your payment arrives after the due date shown on your statement. Late payments also damage your credit score and may increase your interest rate. If you miss a payment, make it as soon as possible. Contact Kohl's to ask if they can waive a first-time late fee.
Can I set up automatic payments to a different bank account?
Yes. When you set up autopay through your online account, you can link any checking or savings account you own. You can change the linked account anytime by updating your payment method in your account settings.
Is there a fee to pay my Kohl's card online?
No. Kohl's does not charge a fee for online, phone, or in-store payments. Mail payments are free as well. The only cost is interest on any balance you carry month to month.