Pay your Kohl's card through the Kohl's website or the Kohl's mobile app
You can pay your Kohl's Credit Card bill online in two places: the Kohl's website (kohls.com) or the Kohl's mobile app. Both routes take you to the same payment system and process your payment the same day if you submit it before the cutoff time, usually around 8 p.m. Central Time on business days. Payments submitted after that time or on weekends and holidays post the next business day.
You do not need to create a separate account for payments — if you already have a Kohl's.com login, you use those same credentials. If you do not have a Kohl's account yet, you can create one during the payment process using your card number and other identifying information.
Key Takeaways
- Log into your Kohl's account on kohls.com or the Kohl's app, then select "Pay Your Bill" or "Credit Card" from the menu to reach the payment screen.
- You can pay your full balance, a minimum payment, or any amount in between, and the payment posts the same business day if submitted before the cutoff time.
- Kohl's accepts payments from a linked bank account (checking or savings) at no charge, and you can set up one-time or recurring automatic payments.
- If you forget your Kohl's password, use the "Forgot Password" link on the login page to reset it by email before you attempt to pay.
- Payments made online do not count toward your Kohl's Cash rewards, but they do reduce your balance and stop interest from accruing on the paid amount.
Step-by-step: paying on the Kohl's website
Go to kohls.com and click "Sign In" in the top right corner. Enter your email address and password, then click "Sign In" again. If you do not see a "Pay Your Bill" or "Credit Card" link on your account dashboard, look for "Account" or "My Account" in the top menu and click it.
Once you are in your account, find and click the link for your Kohl's Credit Card. This will show your current balance, due date, and minimum payment. Click the button labeled "Make a Payment" or "Pay Now" — the exact wording varies depending on whether you have paid before.
Enter the amount you want to pay. You can pay your full balance (shown at the top of the page), your minimum payment, or any dollar amount between zero and your full balance. Select the bank account you want to pay from, or add a new one by entering your routing number and account number. Review the payment details, then click "Confirm" or "Submit Payment."
You will see a confirmation number on the screen. Write it down or take a screenshot — you will need it if you ever need to contact Kohl's about this payment. The confirmation is also sent to your email address on file.
Step-by-step: paying on the Kohl's mobile app
Open the Kohl's app and tap "Sign In" at the bottom of the screen. Enter your email and password, then tap "Sign In." Once you are logged in, tap the menu icon (three horizontal lines) in the top left corner.
Scroll down and tap "Credit Card" or "Pay Your Bill." This shows your balance and due date. Tap "Make a Payment" or "Pay Now" to open the payment screen.
Enter the amount you want to pay and select or add a bank account. The process is the same as on the website — you can pay your full balance, minimum payment, or any amount in between. Tap "Confirm" and then "Submit Payment." You will receive a confirmation number and a confirmation email.
Setting up automatic payments
Both the website and the app allow you to set up recurring automatic payments so you do not have to log in each month. During the payment process, look for a checkbox or toggle that says "Make this a recurring payment" or "Set up automatic payments." If you do not see this option during a one-time payment, you can usually find it in your account settings under "Payment Methods" or "Autopay."
When you set up autopay, you choose the amount (full balance, minimum payment, or a fixed dollar amount), the day of the month it should process, and the bank account it should pull from. You can change or cancel autopay at any time by logging back into your account and updating your payment settings.
Automatic payments are useful if you want to avoid late fees and interest charges, but remember that your balance may change between the time you set up the payment and the day it processes. If your balance drops below the amount you set, Kohl's will only deduct what you owe.
What bank account information you need
To pay online, you will need the routing number and account number for the bank account you want to pay from. This account must be a U.S. checking or savings account in your name. You cannot pay using a credit card, debit card, or account held in someone else's name.
Your routing number is a nine-digit code that identifies your bank. You can find it on the bottom left of any check, or you can call your bank and ask. Your account number is usually printed on the bottom of your checks as well, or you can log into your bank's website or app to find it.
Kohl's does not charge a fee to process payments from your bank account. Your own bank may charge a fee if you make too many transfers in a month, depending on your account type — check your bank's terms if you are unsure.
Timing and when payments post
Payments submitted on business days before 8 p.m. Central Time usually post the same day. Payments submitted after 8 p.m., on weekends, or on holidays post the next business day. "Post" means the payment is recorded on your account and your balance is reduced — this is different from the payment being withdrawn from your bank account, which may take an additional one to three business days.
Your Kohl's Credit Card due date is set by Kohl's and does not change. You can see your due date on your monthly statement or by logging into your account online. Payments must post by your due date to avoid a late fee. If you are cutting it close to your due date, submit your payment early in the day on a business day to make sure it posts in time.
Troubleshooting common payment problems
If you see an error message when you try to pay, the most common causes are a wrong routing number or account number, a mismatch between the name on your bank account and the name on your Kohl's account, or a bank account that is not may be able to access for online transfers. Double-check your routing and account numbers against a recent check or your bank's website. If the names do not match exactly, contact your bank to update your account information or contact Kohl's customer service to update your name on file.
If your payment was rejected and you do not see an error message, your bank may have blocked the transfer. This sometimes happens if Kohl's is a new payee or if the payment amount is unusually large. Log into your bank's website or app and check whether there is a pending transfer you need to approve, or call your bank to ask whether they blocked the payment.
If you submitted a payment but do not see it reflected in your balance within two business days, log back into your Kohl's account and look for the payment in your transaction history. If it is listed as "pending," wait one more business day. If it is listed as "failed" or "declined," you will need to submit the payment again. If you cannot find the payment in your history at all, contact Kohl's customer service with your confirmation number.
Frequently Asked Questions
Can I pay my Kohl's card with a credit card or debit card online?
No. Kohl's only accepts payments from a U.S. bank account (checking or savings). You cannot pay with a credit card, debit card, or prepaid card. If you do not have a bank account, you can pay by phone at the customer service number on the back of your card, and a representative can discuss other payment options with you.
How long does it take for my payment to show up on my account?
Payments submitted before 8 p.m. Central Time on a business day post the same day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. The money may take an additional one to three business days to leave your bank account, but your Kohl's balance is reduced as soon as the payment posts.
What if I need to cancel a payment I just submitted?
If your payment has not yet posted to your account, you may be able to cancel it by logging into your Kohl's account and looking for a "Cancel Payment" or "Pending Payments" option. If the payment has already posted, you cannot cancel it. Contact Kohl's customer service if you need help determining whether a payment can still be cancelled.
Do I earn Kohl's Cash when I pay my bill online?
No. Kohl's Cash is earned only when you make purchases with your Kohl's Credit Card, not when you make payments. Paying your bill online does reduce your balance and stops interest from accruing on the paid amount, but it does not earn rewards.
Can I pay someone else's Kohl's card bill online?
No. You can only pay a Kohl's card bill if you are the cardholder or an authorized user on the account. If you are an authorized user, you can log in with your own credentials and make a payment. If you are not an authorized user, the cardholder will need to add you to the account first, or you can pay by phone and provide the cardholder's information to a representative.