Call Kohl's customer service or go online to close your account

You can cancel your Kohl's Card in two ways: by phone or through your online account. The phone route is faster if you want to speak to someone directly. The online route works if you prefer to handle it yourself without a call. Either way, the card closes within a few business days, and you stop accruing new charges when ready.

Before you cancel, check your account for any pending rewards, store credit, or balance you still owe. If you have a balance, you'll need to pay it off — cancelling doesn't erase what you owe. If you have rewards points, use them before closing the account, because most programs delete unused points when the card closes.

Key Takeaways

  • Call Kohl's customer service at 1-855-564-5705 to cancel by phone, or log into your account at kohls.com and request cancellation online.
  • Pay off any remaining balance on the card before or during the cancellation process, because closing the account does not erase debt.
  • Redeem any Kohl's Cash or rewards points before you close the account, since most rewards disappear once the card is cancelled.
  • Your credit report will show the account as closed, which may temporarily lower your credit score if this is one of your older accounts.
  • The card stops working when ready, but it takes a few business days for the account to fully close in Kohl's system.

Cancel by phone with Kohl's customer service

Call Kohl's customer service at 1-855-564-5705. Have your card number ready. The representative will ask you to confirm your identity — usually your Social Security number, date of birth, or the last four digits of the card. They may also ask why you're cancelling, but you don't have to give a reason.

Tell the representative you want to close your Kohl's Card account. They will confirm your current balance and any rewards on the account. If you have a balance, ask how to pay it — you can usually pay over the phone by debit card or bank account, or you can pay it separately after the call. Once the balance is settled or a payment plan is arranged, the representative will process the cancellation.

Ask for a confirmation number before you hang up. Write it down. The account closes within a few business days, and you'll receive a confirmation letter in the mail.

Cancel online through your Kohl's account

Go to kohls.com and log in with your email and password. Click on "Account" or "My Account" in the top menu. Look for a section called "Account Settings," "Manage Account," or "Card Services." The exact label varies, but it's usually in a menu on the left side of the page.

Find the option to close or cancel your card. Kohl's may ask you to confirm your identity again by entering your Social Security number or answering security questions. Review any balance or rewards on your account. If you have a balance, you'll see a prompt to pay it online before the cancellation goes through. Complete the payment, then confirm the cancellation.

You'll receive an on-screen confirmation and a confirmation email. Keep both for your records. The card stops working right away, though the account may take a few business days to fully close.

What happens to your balance and rewards

If you have a balance on your Kohl's Card when you cancel, you must pay it. Cancelling the account does not forgive the debt. You can pay the full balance before you cancel, or you can arrange a payment plan with the representative. If you pay after cancellation, the account will still appear on your credit report and you'll receive bills in the mail until it's paid off.

Kohl's Cash and rewards points typically expire or disappear when the account closes. Before you cancel, log into your account and check how much Kohl's Cash you have. Use it on a purchase before you close the card. If you have rewards points, check the program terms — some programs let you keep points for a short time after cancellation, but most delete them when ready.

How cancellation affects your credit

Closing a credit card account can temporarily lower your credit score, especially if the Kohl's Card is one of your older accounts or if it has a high credit limit. When you close an account, your total available credit decreases, which can raise your credit utilization ratio — the amount you owe divided by the amount you can borrow. A higher ratio can dip your score by a few points.

The closed account will stay on your credit report for seven to ten years, depending on whether it was in good standing. During that time, it shows as "closed by consumer" or "account closed," which is neutral or slightly positive. If you had a balance or missed payments before closing, those negative marks will also stay on your report for seven years.

If you're worried about your credit score, consider keeping the card open but unused instead of cancelling. An open account with zero balance helps your credit utilization and shows responsible account management.

What to do if you can't reach customer service

If the phone line is busy or you can't get through, try cancelling online instead. The online process is usually faster and doesn't require waiting on hold. If you have trouble logging into your account, use the "Forgot Password" link on kohls.com to reset it.

If you need to cancel urgently — for example, because your card was lost or stolen — call the number on the back of your physical card. That line is staffed for fraud and security issues and usually has shorter wait times. Tell them your card is compromised and ask them to cancel it and issue a replacement or close the account entirely.

After your card is cancelled

Once the account closes, you can no longer use the card in stores or online. If you have automatic payments or subscriptions linked to the Kohl's Card, update those payment methods now so they don't fail. Check your email for a confirmation letter from Kohl's within a few business days.

If you change your mind within a short window — usually 30 days — you may be able to reopen the account by calling customer service. After that, reopening becomes harder. If you want to shop at Kohl's again, you can explore for a new card, but it will be treated as a new account with a new credit inquiry.

Frequently Asked Questions

Will cancelling my Kohl's Card hurt my credit score?

It may lower your score slightly, especially if the card is old or has a high limit. The impact is usually temporary — a few points for a few months. Your score recovers as you continue to pay other accounts on time. If the card had a balance or missed payments, those negative marks stay on your report for seven years regardless of cancellation.

What if I have a balance when I cancel?

You must pay the balance. Cancelling doesn't erase the debt. You can pay it before you cancel, during the cancellation call, or after the account closes. If you pay after, you'll still receive bills in the mail and the account will appear on your credit report until it's paid off.

Can I use my Kohl's Cash after I cancel the card?

No. Kohl's Cash is tied to your card account and expires when the account closes. Use any remaining Kohl's Cash on a purchase before you cancel. Check your account balance online or ask a store associate how much you have.

How long does it take for the card to fully close?

The card stops working when ready, but the account takes a few business days to close completely in Kohl's system. You'll receive a confirmation letter in the mail within one to two weeks. The closed account will appear on your credit report within 30 days.

Can I reopen my Kohl's Card after I cancel it?

You may be able to reopen it within 30 days by calling customer service. After that, reopening becomes difficult or impossible. If you want a Kohl's Card again, you'll need to explore for a new one, which triggers a new credit inquiry and is treated as a separate account.