Your Kohl's Card Works at Kohl's Stores and Online, Plus Anywhere Visa Is Accepted
The Kohl's Capital One credit card is actually two cards in one. You get a store card that works only at Kohl's and Kohl's.com, and you also get a Visa card that works anywhere Visa is accepted — which is most places that take credit cards. When you open the account, Capital One sends you both cards, and you can use whichever one fits where you are shopping.
The store card and the Visa card share the same account and credit limit, so charges to either one count against the same balance. Your monthly statement shows all purchases together, and you make one payment that covers both cards. The rewards you earn also combine — you earn Kohl's Cash at Kohl's and on the Visa card when you use it elsewhere.
Key Takeaways
- You receive two physical cards: one for Kohl's stores and Kohl's.com, and one Visa card for use anywhere Visa is accepted.
- Both cards draw from the same credit limit and account, so your total balance is the sum of charges on both cards.
- Rewards earned on either card go into the same Kohl's Cash balance, whether you shop at Kohl's or use the Visa elsewhere.
- The Visa card works at gas stations, restaurants, grocers, online retailers, and any other merchant that displays the Visa logo.
How the Store Card and Visa Card Work Together
When you receive your Kohl's Capital One card in the mail, you will see two separate cards. One is branded as a Kohl's card and works only at Kohl's locations and on Kohl's.com. The other is a Visa card with your name and card number, and it works at any merchant worldwide that accepts Visa.
Both cards are linked to the same account. This means if you charge $200 on the store card and $300 on the Visa card, your total balance is $500. You do not make separate payments — you log into one account, see one balance, and pay one bill each month. The credit limit applies to the combined total of both cards, not to each card separately.
You choose which card to use based on where you are shopping. At Kohl's, use the store card. Everywhere else, use the Visa card. There is no penalty for using one or the other, and both earn rewards on your account.
Where the Visa Card Works
The Visa portion of your Kohl's Capital One card works anywhere that displays the Visa logo. This includes grocery stores, gas stations, restaurants, pharmacies, online retailers, utilities, subscription services, and travel bookings. If a merchant takes credit cards, they almost certainly take Visa.
You can use the Visa card internationally as well, though Capital One may charge a foreign transaction fee. Check your cardholder agreement or call the number on the back of the card to confirm the fee before traveling.
The Visa card does not work at Kohl's — use the store card there instead. If you try to use the Visa card at a Kohl's register, the transaction will be declined. This is by design, to keep the two cards separate for rewards tracking and account management.
Rewards Earn the Same Way on Both Cards
You earn Kohl's Cash when you use either card. The rewards rate and terms are the same whether you swipe the store card at Kohl's or the Visa card at a grocery store. All Kohl's Cash you earn goes into one rewards balance, and you can spend it at Kohl's or on Kohl's.com.
The specific rewards rate depends on which Kohl's card product you hold — some versions earn 1.5% Kohl's Cash on all purchases, while others earn higher rates at Kohl's and lower rates elsewhere. Your cardholder agreement or the Kohl's website will show your exact rate. Regardless of the rate, both cards contribute to the same total.
What Happens If You Lose One Card
If you lose the store card, call the number on the back of your Visa card or contact Kohl's customer service. Capital One will cancel the lost card and send you a replacement. Your Visa card remains active and usable while you wait for the new store card to arrive.
If you lose the Visa card, call Capital One when ready using the number on your statement or the Kohl's website. They will cancel it and send a replacement. Your store card remains active, so you can still shop at Kohl's while you wait for the new Visa card.
You can also request a replacement card through your online account portal. Log in, go to the card management section, and select the option to replace a lost or damaged card. Capital One typically sends replacements within 7 to 10 business days.
Using Your Card Online and Over the Phone
For Kohl's.com purchases, use the store card number. For any other online retailer, use the Visa card number. The same rule applies to phone orders — use the store card for Kohl's phone orders, and the Visa card for other merchants.
Both cards can be added to digital wallets like Apple Pay, Google Pay, and Samsung Pay. When you add the card to your phone, you can choose which card to add — the store card, the Visa card, or both. This makes it straightforward to pay without pulling out the physical card.
Frequently Asked Questions
Can I use the Kohl's store card outside of Kohl's?
No. The store card works only at Kohl's physical locations and on Kohl's.com. If you try to use it elsewhere, the transaction will be declined. Use the Visa card for purchases outside Kohl's.
Do I have two separate credit limits?
No. You have one credit limit that applies to both cards combined. If your limit is $2,000 and you charge $1,200 on the store card, you have $800 left to spend on the Visa card. The limit resets as you pay down the balance.
Will using the Visa card hurt my Kohl's rewards?
No. You earn Kohl's Cash on both cards at the same rate. All rewards go into one account, and you can spend them at Kohl's or on Kohl's.com regardless of which card you used to earn them.
What if a store says they don't take Visa?
This is rare, but if it happens, you cannot use your Kohl's Capital One card there. Some small retailers, certain government offices, and a few other merchants do not accept Visa. In those cases, you would need a different payment method.
Can I request just the Visa card without the store card?
When you open the account, Capital One sends both cards automatically. If you do not want the store card, you can contact Capital One and ask them to cancel it. You will keep the Visa card and the same account and rewards.