Where to log in to your Kohl's credit card account
You log in to your Kohl's credit card account through Synchrony Bank, which manages the card for Kohl's. Go to www.kohls.com and look for the "Pay Your Bill" link in the top navigation, or go directly to the Synchrony login page at www.mysynchrony.com. Both routes take you to the same login screen.
You will need your account number (the 16-digit number on your Kohl's card) and your password. If you have never logged in before, you will create a password during your first visit. If you have forgotten your password, both websites offer a "Forgot Password" link that will send a reset email to the address on file with your account.
Once you are logged in, your dashboard shows your current balance, minimum payment due, and the due date. You can also see your recent transactions and payment history from this screen.
Key Takeaways
- Log in through either www.kohls.com or www.mysynchrony.com using your 16-digit card number and password.
- Your first login requires you to create a password; use the "Forgot Password" link if you need to reset it.
- Once logged in, you can pay your full balance, your minimum payment, or any amount in between.
- Payments made before 8 p.m. Eastern Time on a business day usually post the same day; weekend and holiday payments post the next business day.
Paying your balance after you log in
After logging in, select "Make a Payment" or "Pay Now" (the exact wording varies slightly depending on which site you used). You will see your current balance and be asked how much you want to pay. You can pay your full balance, your minimum payment, or any amount between the two.
The system will then ask you to confirm the payment method. Most accounts default to the bank account or debit card on file, but you can change this if you have multiple payment methods saved. Review the amount one more time before confirming — once you submit, the payment is sent when ready to Synchrony.
After you confirm, you will see a confirmation number on screen. Write this down or take a screenshot. Synchrony will also send a confirmation email to the address on file within a few minutes.
When your payment posts to your account
Timing depends on when you submit the payment and what day of the week it is. If you pay before 8 p.m. Eastern Time on a Monday through Friday, your payment usually posts the same day. Payments submitted after 8 p.m. Eastern Time or on weekends and holidays post the next business day.
Even though the payment posts quickly, it may take a few days for your available credit to update. This is normal — the payment has reached Synchrony, but the credit card system is still processing it. If your available credit has not updated within three business days, contact Synchrony customer service at the number on the back of your card.
Setting up automatic payments
If you want to stop logging in each month, you can set up an automatic payment through your Synchrony account. Log in, go to "Manage Payments," and select "Set Up Automatic Payments." You choose the payment amount (minimum payment, full balance, or a fixed dollar amount), the day of the month you want it to come out, and which bank account or debit card to use.
Automatic payments begin the month after you set them up. You can change or cancel them at any time by logging back in and going to "Manage Payments." Synchrony sends a reminder email a few days before each automatic payment is scheduled to go out.
What to do if you cannot log in
If you are having trouble accessing your account, start by checking that you are using the correct website. The official Kohl's credit card login is through www.mysynchrony.com or the "Pay Your Bill" link on www.kohls.com. Scams sometimes create fake login pages, so always type the web address yourself rather than clicking a link in an email or text.
If you are on the correct website and still cannot log in, try resetting your password using the "Forgot Password" link. If that does not work, or if you see an error message, call Synchrony customer service at the number on the back of your Kohl's card. A representative can help you regain access or reset your account if it has been locked for security reasons.
Paying without logging in online
If you prefer not to use the website, you have other options. You can mail a check to the address shown on your monthly statement — this takes 7 to 10 business days to arrive and post. You can also call Synchrony at the number on your card and pay over the phone using a bank account or debit card. Phone payments are processed the same day if you call before 8 p.m. Eastern Time on a business day.
Some Kohl's stores also accept credit card payments in person at the customer service desk, though this is less common and you should call your local store first to confirm they offer this option. In-store payments may take a few extra days to post because they have to be sent to Synchrony's processing center.
Frequently Asked Questions
Do I need to create a separate account for Synchrony, or does my Kohl's account work?
Your Kohl's credit card account is managed by Synchrony, so you log in through Synchrony's system using your card number and a password you create. You do not have a separate Kohl's account for payments — the Synchrony login is the only one you need.
What if I pay more than my balance?
If you send more money than you owe, Synchrony holds the overpayment as a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling customer service. Refunds typically take 5 to 7 business days to appear in your bank account.
Can I pay my Kohl's credit card bill through my bank's bill pay system?
Yes. Most banks allow you to set up bill pay to Synchrony Bank for your Kohl's card. You will need the payment address from your statement. Payments sent this way usually take 3 to 5 business days to post, so plan ahead if you are close to your due date.
Is it safe to pay online through Synchrony?
Synchrony uses encryption and security measures standard to the banking industry. However, always make sure you are on the official website (www.mysynchrony.com or the Kohl's site) and never share your password or full card number in an email or text. If you receive an email asking you to log in and confirm your account, do not click the link — call the number on your card instead.