How to pay your Kohl's Capital One card online, by phone, or by mail
You can pay your Kohl's Capital One card through Capital One's website, by phone, or by mailing a check. The fastest route is logging into your Capital One account online and making a one-time payment from there — it takes a few minutes and the payment posts within one business day. If you prefer to speak to someone, you can call the customer service number on the back of your card. Mailed payments take longer to arrive and post, so use that method only if you cannot pay online or by phone.
Your payment due date appears on your monthly statement. Paying by the due date keeps you from incurring a late fee. If you miss the due date, Capital One will report the late payment to the credit bureaus, which can lower your credit score.
Key Takeaways
- Log into your Capital One account at capitalone.com to pay online, which is the fastest method and posts within one business day.
- Call the number on the back of your card to make a payment by phone with a customer service representative.
- Mail a check to the address shown on your statement, but allow at least 7 to 10 business days for it to arrive and post.
- Your payment due date is listed on your monthly statement, and paying by that date avoids late fees and credit reporting.
- You can set up automatic payments from your bank account so you never miss a due date.
Paying online through Capital One's website
Go to capitalone.com and sign in with your username and password. If you do not have an online account yet, you will need to create one using your card number and other identifying information. Once you are logged in, look for the payment option — it is usually labeled "Make a Payment" or "Pay Now" and appears prominently on your account dashboard.
Select the amount you want to pay. You can pay your full statement balance, the minimum payment, or any amount in between. Enter the bank account you want the payment to come from. Capital One will ask for your routing number and account number, which you can find at the bottom of a check or by logging into your bank's website. Confirm the payment date — if you pay today, it will post within one business day. Review the details and submit.
You will receive a confirmation number on screen. Write it down or take a screenshot. Capital One will also send you a confirmation email. Keep this for your records in case you need to dispute the payment later.
Paying by phone
Call the customer service number printed on the back of your Kohl's Capital One card. A representative will answer and ask you to verify your identity by providing your card number, Social Security number, or other personal details. Tell them you want to make a payment.
The representative will ask how much you want to pay and which bank account to take it from. You will need your routing number and account number ready. The payment will post within one business day. Ask the representative for a confirmation number and write it down.
Paying by phone is useful if you have questions about your account or if you are not comfortable entering banking details online. There is no fee for paying by phone.
Paying by mail
Write a check for the amount you want to pay. On the memo line, write your Kohl's Capital One card number so the payment is applied to the correct account. Include a copy of your statement or write your card number clearly on the envelope.
Mail the check to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send payment to the address where you receive your statement — they are different. The payment address is usually a lockbox operated by Capital One or a third-party processor.
Mailed payments typically take 7 to 10 business days to arrive, and another 1 to 2 business days to post to your account. If your due date is coming up soon, do not rely on mailing a check. Use online or phone payment instead.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. Log into your Capital One account online and look for "Autopay," "Automatic Payments," or "Recurring Payments." Select the bank account you want the payment to come from and enter your routing and account numbers.
Choose how much you want to pay automatically each month. You can set it to pay your full statement balance, your minimum payment, or a fixed dollar amount. Select the date you want the payment to occur each month — most people choose a date shortly before their due date to leave room for processing time.
Once autopay is set up, Capital One will withdraw that amount on the date you chose every month. You can change or cancel autopay at any time by logging back into your account. If your balance changes significantly, you may want to adjust your autopay amount so you are not overpaying or underpaying.
What to do if you cannot pay by your due date
If you know you will miss your due date, contact Capital One before the date arrives. Call the number on the back of your card and explain your situation. Capital One may be able to work with you on a payment plan or temporarily adjust your due date, though this is not may provide.
If you miss your due date, Capital One will charge a late fee (the amount varies) and report the late payment to the credit bureaus. The late payment will stay on your credit report for seven years. Paying as soon as possible after you miss the due date will limit the damage, but it will not erase the late payment from your record.
If you are having ongoing trouble making payments, contact Capital One to discuss your options. They may offer hardship programs or payment arrangements depending on your situation.
Payment timing and posting
The date you make a payment and the date it posts to your account are not always the same. Online and phone payments typically post within one business day. Mailed checks take 7 to 10 business days to arrive and then 1 to 2 more days to post. Weekend and holiday delays can extend these timelines.
Your due date is the important date for your payment to post, not the important date for you to send it. If you mail a check on the due date, it will almost certainly arrive late. Plan to mail payments at least 10 business days before your due date, or use online or phone payment instead.
If you are paying off your full balance, make sure the payment posts before your next statement closes. Payments that post after your statement closes will show up on the next month's bill.
Frequently Asked Questions
Can I pay my Kohl's Capital One card at a Kohl's store?
No. Kohl's stores do not accept payments for Capital One cards. You must pay through Capital One directly — online, by phone, or by mail. Some Kohl's locations have a customer service desk, but they cannot process card payments.
Is there a fee to pay my Kohl's Capital One card?
No. Capital One does not charge a fee for making a payment, regardless of whether you pay online, by phone, or by mail. If you pay late, you will be charged a late fee, but the payment method itself is free.
What if I pay more than I owe?
The overpayment will show as a credit on your account. You can use it toward future purchases or request a refund. Log into your Capital One account or call customer service to request a refund check.
How do I know if my payment went through?
You will receive a confirmation number when you pay online or by phone. Capital One will also send you a confirmation email. Log into your account a day or two later to verify the payment posted. Your statement will also show the payment once it posts.
Can I pay someone else's Kohl's Capital One card?
Yes, but you will need their permission and their card number or account number. You can pay online or by phone using their information. If you are mailing a check, write their card number on the check so it posts to the correct account.