Where to send your Kohl's credit card payment
You can pay your Kohl's credit card online through your account, by phone, by mail, or in person at a Kohl's store. The fastest and most direct route is online through the Kohl's website or mobile app — you can set up a one-time payment or automatic monthly payments there. If you prefer to call, the customer service number is on the back of your card.
Payments by mail should be sent to the address printed on your monthly statement. In-store payments at a Kohl's register are also accepted, though this method does not give you a receipt from the credit card company itself — you get a store receipt instead. For online and phone payments, you will see confirmation when ready or within one business day.
Key Takeaways
- Online payment through Kohl's website or app is the fastest method and lets you see your payment post to your account within one business day.
- You can set up automatic monthly payments so your bill is paid on the same day each month without you having to log in.
- Phone payments take a few minutes and require your card number and bank account or debit card information.
- Mail payments take seven to ten business days to reach Kohl's, so send them at least two weeks before your due date to avoid a late fee.
- In-store payments are accepted at any Kohl's register but do not generate a credit card receipt, only a store receipt.
How to pay online through your Kohl's account
Go to Kohls.com and sign into your account using your email and password. Click on "Account" or "My Account" in the top menu, then look for "Credit Card" or "Manage My Card." You should see a link for "Make a Payment" or "Pay My Bill." Enter the amount you want to pay and choose your payment method — you can use a bank account (ACH transfer) or a debit card.
Review the payment amount and due date, then confirm. You will see a confirmation number on screen. Kohl's typically posts online payments within one business day, though some may post the same day if submitted before 5 p.m. Eastern Time. Save or print your confirmation number in case you need to reference the payment later.
Setting up automatic monthly payments
Automatic payments remove the need to remember your due date each month. In your Kohl's account under "Credit Card" or "Manage My Card," look for "Autopay," "Auto Pay," or "Automatic Payments." You will choose a day of the month (usually between the 1st and the 28th) when you want the payment to come out of your bank account.
You can set the payment to be your full statement balance, a fixed dollar amount, or just the minimum payment. Most people choose the full balance so they do not carry a balance month to month. You can change or cancel automatic payments anytime through your account, and Kohl's will send you a confirmation email when the payment processes each month.
Paying by phone or mail
To pay by phone, call the number on the back of your Kohl's credit card. Have your card number, bank account number or debit card number, and the amount you want to pay ready. A representative will walk you through the payment and give you a confirmation number. Phone payments typically post within one to two business days.
For mail payments, write a check or money order payable to Kohl's and include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — do not mail it to a store location. Mail takes seven to ten business days to arrive, so send your payment at least two weeks before your due date. Kohl's will send you a receipt by mail once the payment is processed.
What happens if you miss a payment
If your payment does not arrive by the due date on your statement, Kohl's will charge a late fee. The amount of the late fee varies but is typically $25 to $40 for the first late payment. After 30 days past due, the late payment will appear on your credit report and may hurt your credit score.
If you realize you will miss a due date, contact Kohl's customer service right away. They cannot waive a late fee that has already been charged, but they may be able to work with you on timing if you call before the due date passes. Paying at least the minimum amount by the due date prevents the late fee and keeps your account in good standing.
Understanding your statement and due date
Your Kohl's credit card statement shows your opening balance, all purchases and credits from the past month, your new balance, and your due date. The due date is usually 21 to 25 days after your statement closes. You must pay at least the minimum amount shown on your statement by that date to avoid a late fee.
If you pay only the minimum, the remaining balance will carry over to the next month and you will be charged interest on it. The interest rate (APR) is printed on your statement and varies based on your creditworthiness. Paying your full balance each month avoids interest charges entirely.
Frequently Asked Questions
Can I pay my Kohl's credit card with a credit card?
No, Kohl's does not accept credit card payments. You can pay with a bank account (ACH transfer), a debit card, check, or money order. Paying a credit card with another credit card typically counts as a cash advance and charges a higher fee and interest rate anyway.
What if my payment was rejected or did not go through?
If an online or phone payment is rejected, you will see an error message right away explaining why — usually insufficient funds or an incorrect account number. Contact your bank to confirm the account is active, then try again. If the payment still fails, use a different payment method or call Kohl's customer service at the number on your card.
How do I know if my payment was received?
Online and phone payments show a confirmation number when ready. For mail payments, Kohl's will send a receipt by mail once it arrives and is processed, which takes one to two weeks. You can also log into your account anytime to see your payment history and current balance.
Can I pay more than my statement balance?
Yes, you can pay any amount above your minimum. Paying more than you owe creates a credit on your account that will be applied to future purchases or can be refunded to you by request. Paying extra does not hurt you and can lower your interest charges if you carry a balance.
What if I want to dispute a charge on my statement?
Contact Kohl's customer service at the number on your card or through your online account. Explain the charge you believe is wrong, and they will investigate. You do not have to pay the disputed amount while they look into it, but you should still pay the rest of your bill on time to avoid a late fee.