The three ways to pay your Kohl's card
You can pay your Kohl's credit card bill online through your account, by phone, or by mail. The online method is fastest — your payment posts the same business day if you submit it before 8 p.m. Eastern time. Phone and mail payments take longer and may carry fees, so online is the route most people use.
Kohl's does not charge a fee to pay online, by phone, or by mail. However, if you pay by phone, a representative may ask you to set up automatic payments, which is optional. If you use a third-party payment service or pay through a bill-pay system at your own bank, check whether that service charges a fee — Kohl's itself does not.
Key Takeaways
- Online payment through your Kohl's account is the fastest method and posts the same business day if submitted before 8 p.m. Eastern time.
- You will need your account number and routing information for your bank account to pay online, by phone, or by mail.
- Payments by mail take 7 to 10 business days to post, so mail your payment at least two weeks before your due date to avoid a late fee.
- You can set up automatic payments from your bank account so your bill is paid on the same date each month without you having to remember.
- If you cannot pay the full balance, you can make a partial payment, but interest will continue to accrue on the remaining balance.
Paying online through your Kohl's account
Log in to your Kohl's account on the Kohl's website or mobile app. Click on "Account" or "My Account," then look for a link labeled "Make a Payment" or "Pay Your Bill." You will be asked to enter the amount you want to pay and confirm your bank account information.
Enter your bank's routing number and your checking or savings account number. Kohl's will debit the payment from that account. If this is your first time paying online, Kohl's may verify your bank account by depositing two small amounts (usually under $1 each) and asking you to confirm those amounts — this takes one to two business days. After that, future payments process when ready.
Once you submit the payment, you will see a confirmation number on your screen. Write this down or take a screenshot. Kohl's will also send you a confirmation email. The payment posts to your account the same business day if submitted before 8 p.m. Eastern time; payments submitted after that time post the next business day.
Paying by phone
Call the Kohl's customer service number on the back of your credit card. A representative will ask for your account number and the amount you want to pay. Have your bank account information ready — you will need to provide your routing number and account number, just as you would online.
The representative will confirm the payment details and give you a confirmation number. Phone payments typically post within one to two business days. Keep the confirmation number in case you need to reference the payment later.
Paying by mail
Write a check or money order payable to Kohl's. Include your account number on the check. Mail it to the address printed on your bill statement — this address is specific to payment processing and differs from the Kohl's corporate office.
Mail payments take 7 to 10 business days to arrive and post. To avoid a late fee, mail your payment at least two weeks before your due date. If you are close to your due date, paying online or by phone is safer because you can confirm the payment posted on time.
Setting up automatic payments
Automatic payments debit your bank account on the same date each month, so you do not have to remember to pay. You can set this up online through your Kohl's account or by calling customer service. You will choose a payment date between the 1st and the 28th of each month.
You can choose to pay your full statement balance, a fixed dollar amount, or the minimum payment. If you choose a fixed amount or minimum payment, interest will continue to accrue on the remaining balance. You can change or cancel automatic payments at any time through your account or by calling customer service.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, Kohl's will charge a late fee. The amount varies but is typically $25 to $40 for the first late payment. A payment is considered on time if it posts to your account by 5 p.m. Eastern time on the due date.
If you are going to miss a payment, contact Kohl's customer service before the due date. They cannot waive the fee, but they can note your account and may be able to discuss options if you are having financial hardship. A single late payment will also be reported to the credit bureaus and may lower your credit score.
Partial payments and paying more than the minimum
You can pay any amount between the minimum payment and your full balance. If you pay less than the full balance, interest will continue to accrue on the remaining balance at your card's APR. Paying more than the minimum reduces the amount of interest you pay over time.
If you want to pay off your balance faster, you can make multiple payments in a single month. There is no penalty for paying early or paying more than required. Each payment posts when ready if submitted online before 8 p.m. Eastern time.
Frequently Asked Questions
How do I know if my payment posted?
Log into your Kohl's account online or through the app and check your account balance and recent transactions. You can also call customer service and ask a representative to confirm. Online payments post the same business day if submitted before 8 p.m. Eastern time; phone and mail payments take one to two business days longer.
Can I pay my Kohl's card at a store?
No, Kohl's does not accept credit card payments in stores. You must pay online, by phone, or by mail. If you have questions about your account while in a store, a cashier can direct you to customer service, but they cannot process a payment.
What if I pay online but the payment does not show up?
Check your confirmation number and the email confirmation Kohl's sent you. Verify that the payment amount and due date are correct. If the payment still does not appear within two business days, call customer service with your confirmation number and they can investigate. Do not assume the payment failed — always check your account before contacting them.
Is there a fee to pay my Kohl's card online?
Kohl's does not charge a fee to pay online, by phone, or by mail. However, if you use your bank's bill-pay service or a third-party payment app, that service may charge a fee. Check with your bank or the payment service before you submit the payment.
Can I change my automatic payment date?
Yes. Log into your account online and look for the automatic payment settings, or call customer service. You can change the date, the amount, or cancel automatic payments entirely. Changes take effect on your next scheduled payment date.