The three ways to pay your Kohl's card
You can pay your Kohl's card through the Kohl's website, by phone, or by mail. The fastest route is online through your Kohl's account, which processes when ready. Phone payments take the same day if you call before the payment important date. Mail payments take 7 to 10 business days to reach Kohl's, so send them early if your due date is near.
All three methods let you pay your full balance, a minimum payment, or any amount in between. You do not need to be a Kohl's cardholder to make a payment on someone else's account — you just need the account number and the ability to verify the account holder's information.
Key Takeaways
- Online payment through Kohl's.com is the fastest method and shows your updated balance when ready after you submit the payment.
- Phone payments to 1-800-566-5455 process the same day if you call before your due date, and you can pay with a bank account or debit card.
- Mail payments should be sent at least 10 days before your due date because they take a week or more to arrive and post to your account.
- Your minimum payment due and full balance are listed on your monthly statement and in your online account at any time.
Paying online through Kohl's.com
Log into your Kohl's account on Kohl's.com and select "Pay Your Bill" or "Account" from the menu. You will see your current balance, minimum payment due, and due date. Enter the amount you want to pay and choose your payment method — debit card, credit card, or bank account. The payment processes when ready and your balance updates right away.
If you do not have a Kohl's account online, you can create one using your card number and the zip code on file. You will need to set up a password and verify your email address. Once your account is active, you can pay anytime without logging in again.
Online payments have no fee and no processing delay. If you pay before midnight on your due date, the payment counts as on-time. Kohl's does not charge a late fee if your payment arrives by the due date, even if it takes a day to post to your account after you submit it.
Paying by phone
Call Kohl's customer service at 1-800-566-5455 to pay by phone. Have your card number and the amount you want to pay ready. You can pay with a debit card, credit card, or by authorizing a bank account withdrawal. The representative will confirm your payment amount and provide a confirmation number.
Phone payments process the same day if you call before your due date. There is no fee for paying by phone. The payment may take one business day to show in your online account, but Kohl's records it as received on the day you called.
Paying by mail
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 "Make Checks Payable To." Do not send cash through the mail.
Mail payments take 7 to 10 business days to arrive and post to your account. Send your payment at least two weeks before your due date to make sure it arrives on time. If your due date is within 10 days, use online or phone payment instead. Kohl's charges a late fee if your payment does not post by the due date, regardless of when you mailed it.
What happens if you miss your due date
If your payment does not post by your due date, Kohl's charges a late fee. The amount varies but is typically $25 to $40 depending on your account history. A late payment also appears on your credit report and may increase your interest rate on future purchases.
If you miss a payment, contact Kohl's as soon as possible. You can still pay online, by phone, or by mail. Paying when ready after you realize you are late does not remove the late fee, but it stops additional fees from accruing and prevents further damage to your credit.
Automatic payments and payment plans
You can set up automatic payments through your online Kohl's account to pay your full balance, minimum payment, or a fixed amount each month on a date you choose. Automatic payments process from your bank account and reduce the risk of missing a due date.
If you cannot pay your full balance, you can make a partial payment now and pay the rest later. Kohl's charges interest on any balance you carry, so the longer you wait, the more interest you owe. You can also contact Kohl's to discuss a payment plan if you are having trouble paying.
Frequently Asked Questions
Can I pay my Kohl's card with a different payment method than I used to open the account?
Yes. You can pay with any debit card, credit card, or bank account, regardless of what you used to open the account. Online and phone payments accept all three methods. Mail payments must be by check or money order.
What if I pay online but the payment does not show up in my account right away?
Online payments process when ready, but it may take a few hours for your balance to update on the website. If you do not see the payment within 24 hours, contact Kohl's customer service at 1-800-566-5455 with your confirmation number. They can verify the payment was received.
Is there a fee for paying my Kohl's card?
No. Kohl's does not charge a fee for online, phone, or mail payments. You only pay interest on any balance you carry from month to month.
Can I pay someone else's Kohl's card?
Yes. You can pay online, by phone, or by mail using the account number. By phone, you will need to provide the account holder's name and zip code to verify the account. Online, you can pay without logging in by entering the account number and amount.
What is the difference between my minimum payment and my full balance?
Your minimum payment is the smallest amount Kohl's requires you to pay by your due date to stay current on the account. Your full balance is everything you owe. Paying only the minimum means you carry a balance and pay interest. Paying the full balance means you owe nothing and pay no interest.