Where to Pay Your Kohl's Charge Card
You can pay your Kohl's Charge card online through the Kohl's website, by phone, by mail, or in person at any Kohl's store. The fastest and most convenient method is online through your account on Kohls.com. You can also set up automatic payments so your bill is paid on the same day each month without you having to remember.
If you prefer to speak with someone, you can call the customer service number on the back of your card. Payments by phone are processed when ready, though you may hear a small fee mentioned — Kohl's does not charge a fee for phone payments, but some third-party payment processors do if you use them instead of calling Kohl's directly.
Key Takeaways
- Online payment through Kohls.com is free and takes a few minutes; you can pay from any device with internet access.
- Automatic payments remove the risk of missing a due date and can be set up or changed anytime in your account settings.
- In-store payments at any Kohl's location are processed when ready and require only your card and a payment method.
- Mail payments should be sent at least seven to ten business days before your due date to arrive on time.
- Your minimum payment and full balance are shown on your monthly statement and in your online account.
Paying Online Through Your Kohl's Account
Log in to Kohls.com and select "Pay My Bill" or "Account" from the menu. Enter your card number or use the account login if you have already registered. You will see your current balance, minimum payment due, and due date. Choose the amount you want to pay — you can pay the full balance, the minimum, or any amount in between.
Select your payment method: debit card, bank account, or credit card. Enter the payment details and confirm. The payment is processed when ready, and you will receive a confirmation number. Keep this number for your records. The payment will show in your account within one business day.
Setting Up Automatic Payments
Automatic payments may support you never miss a due date. Log into your Kohl's account, go to "Account Settings" or "Manage Payments," and select "Set Up Auto Pay." Choose the amount — most people choose to pay the full statement balance each month, but you can set it to pay the minimum or a fixed dollar amount instead.
Select the payment method and the day of the month you want the payment to come out. The payment will process automatically on that day each month. You can change or cancel automatic payments anytime in your account settings. If you want to skip a payment in a particular month, you can pause auto pay for that cycle and resume it the following month.
Paying by Phone
Call the number on the back of your Kohl's Charge card. A representative will ask for your card number and the amount you want to pay. Have a debit card, bank account information, or another credit card ready. The payment is processed when ready over the phone, and you will receive a confirmation number.
Phone payments are available seven days a week during customer service hours. The exact hours are printed on the back of your card. There is no fee for paying by phone directly through Kohl's customer service.
Paying by Mail
Your monthly statement includes a payment envelope and instructions. Write a check or money order for the amount you want to pay, include your account number on the check, and mail it to the address shown on your statement. Do not send cash through the mail.
Mail payments take seven to ten business days to arrive and be processed. Send your payment at least ten business days before your due date to make sure it arrives on time. Late payments can result in a late fee and may affect your credit report. Keep a copy of your check or a photo of it for your records.
Paying in Person at a Kohl's Store
Visit any Kohl's store and go to the customer service desk. Bring your Kohl's Charge card and a payment method — cash, debit card, or another credit card. Tell the associate you want to make a payment on your account. They will process the payment when ready and give you a receipt.
In-store payments are useful if you are already shopping or prefer to handle things face-to-face. The payment shows in your account within one business day. You do not need an appointment; just go to customer service during store hours.
What to Do If You Miss a Payment
If your payment is late, contact Kohl's customer service as soon as possible. A late fee will be added to your account, usually between $25 and $40 depending on your account terms. The late payment will also be reported to credit bureaus and may lower your credit score.
If you are having trouble making a payment, call customer service to discuss your options. Kohl's may be able to work with you on a payment plan or temporary adjustment. The sooner you contact them, the more options may be available. Do not ignore the bill — late accounts become harder to resolve the longer they go unpaid.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments are processed when ready, but they may take one business day to appear in your account balance. If you need the payment to post before a specific date, pay at least one day early. For urgent situations, paying in person or by phone is faster.
Can I pay my Kohl's Charge with a different credit card?
Yes. You can pay with any major credit card, debit card, or bank account through the website, by phone, or in store. Some people use rewards cards to earn points on their Kohl's payment, though you should make sure the interest you earn is worth more than any fees charged.
What if I want to pay more than the minimum?
You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and pays off your card faster. There is no penalty for paying early or paying more than required.
Is there a fee for paying online?
No. Kohl's does not charge a fee for online payments made through Kohls.com. If you use a third-party payment processor or bill pay service, that service may charge a fee, but Kohl's does not.
Can I set up automatic payments to a different amount each month?
No. Automatic payments are set to a fixed amount or a fixed type of payment (such as full balance). If you want to pay different amounts each month, you will need to make manual payments. You can change your automatic payment amount anytime in your account settings.