The fastest way to pay your Kohl's bill online
You can pay your Kohl's credit card bill through the Kohl's website, the Kohl's mobile app, or by setting up automatic payments from your bank account. The website and app both let you pay immediately, and you can choose to pay your full balance, a minimum payment, or any amount in between. You will need your Kohl's card number and online account login to get your free guide.
If you do not have an online account yet, you can create one at Kohls.com using your card number and other identifying information. Once you are logged in, your account dashboard shows your current balance, due date, and available credit. From there, you can make a one-time payment in minutes.
Key Takeaways
- Log into your Kohl's account at Kohls.com or use the Kohl's mobile app to pay your bill anytime, and payment posts within one business day.
- You can pay your full balance, minimum payment, or any amount between them, and you choose the payment method each time you pay.
- Setting up automatic payments through your bank account ensures your payment arrives on time and reduces the risk of a late fee.
- If you miss a payment, Kohl's charges a late fee and reports the missed payment to credit bureaus, which can lower your credit score.
Paying through the Kohl's website
Go to Kohls.com and select "Pay My Bill" or "Account" from the top menu. Enter your username and password to log in. If you do not have an account, you can create one by entering your Kohl's card number, date of birth, and Social Security number (last four digits).
Once you are logged in, your account page displays your current balance and due date. Click on "Make a Payment" or the payment option shown on your account. Enter the amount you want to pay, select your payment method (debit card, bank account, or another linked card), and review the details before confirming. Kohl's will show you a confirmation number immediately, and the payment usually posts within one business day.
Paying through the Kohl's mobile app
Download the Kohl's app from the Apple App Store or Google Play Store. Open the app and log in with your username and password, or create an account if you do not have one. Tap the account or menu icon (usually three horizontal lines) and look for "Pay My Bill" or "Manage Account."
Select the payment option and enter the amount you want to pay. Choose your payment method and confirm the transaction. The app works the same way as the website, and your payment will post within one business day. Paying through the app is useful if you want to make a quick payment while you are away from home or on your phone.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Kohl's account online, go to "Account Settings" or "Manage Payments," and look for "Autopay" or "Automatic Payments." You will need to provide your bank account number and routing number, or link a debit card.
Choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month. Select the day of the month when you want the payment to come out of your account. Once it is set up, Kohl's will withdraw the payment automatically on that date each month. You can change or cancel automatic payments anytime by logging back into your account.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your bill, Kohl's charges a late fee. The amount of the fee varies but is typically between $25 and $40, depending on your account history and state law. The late fee is added to your balance and you will owe it along with your regular payment.
A missed payment also gets reported to the three major credit bureaus (Equifax, Experian, and TransUnion) and appears on your credit report. This can lower your credit score, which affects your ability to borrow money in the future and may increase the interest rates you are offered on other credit products. If you are more than 30 days late, Kohl's may also increase your interest rate on future purchases.
Payment methods and timing
Kohl's accepts debit cards, credit cards, and bank account transfers for online payments. When you pay with a debit or credit card, the transaction is processed immediately and the payment posts to your account within one business day. When you pay from a bank account, the payment may take one to three business days to post, depending on your bank.
If your due date is coming up soon, paying with a debit or credit card is faster than a bank transfer. However, if you are paying from a bank account and the due date is more than three days away, a bank transfer will arrive in time. Always check your Kohl's account to confirm that your payment has posted before assuming it is complete.
If you cannot pay your full balance
You do not have to pay your full balance each month. You can pay your minimum payment, which is shown on your bill and in your online account. The minimum payment is usually 1 to 3 percent of your balance, depending on how much you owe and your account terms.
If you pay only the minimum, the rest of your balance carries over to the next month and you are charged interest on it. The interest rate on Kohl's credit cards varies but is typically between 18 and 27 percent annually. This means that paying only the minimum takes much longer to pay off your balance and costs you more in interest. If you are struggling to pay, paying more than the minimum whenever you can will reduce the total amount of interest you pay.
Frequently Asked Questions
What if I do not have an online account yet?
You can create one at Kohls.com by clicking "Create Account" or "Sign Up" and entering your Kohl's card number, date of birth, and last four digits of your Social Security number. Once your account is created, you can log in and pay your bill immediately.
Can I pay my Kohl's bill by phone?
Yes. Call the number on the back of your Kohl's card to speak with a customer service representative who can take your payment over the phone. You will need your card number and a payment method (debit card, credit card, or bank account) ready.
How long does it take for my payment to show up?
Payments made online or by phone usually post within one business day. Bank transfers may take one to three business days. Automatic payments post on the date you selected when you set them up.
What if I pay late by accident?
Contact Kohl's customer service as soon as you realize the payment is late. Explain the situation and ask if they can waive the late fee. Some representatives will remove a single late fee if your account is otherwise in good standing, though this is not may provide.
Can I change my automatic payment amount or date?
Yes. Log into your Kohl's account, go to "Account Settings" or "Manage Payments," and select your automatic payment. You can change the amount, the date, or cancel it entirely. Changes usually take effect within one or two billing cycles.