Paying your Kohl's bill online through their website or mobile app
You can pay your Kohl's credit card bill online by logging into your account at Kohls.com, going to the "Pay Your Bill" section, and entering the amount you want to pay. The payment posts to your account the same day if you pay before the cutoff time (usually 8 p.m. Central Time on business days). You can also pay through the Kohl's mobile app using the same login credentials.
Kohl's also lets you set up automatic payments so a fixed amount or your full balance withdraws from your bank account on a date you choose each month. This removes the risk of forgetting a payment deadline, though you should still check your statements to make sure the amount is correct.
If you do not have a Kohl's credit card account yet, you can create one during checkout when you shop at Kohl's, or you can open an account online before you make a purchase. The card is a store card, meaning you can use it only at Kohl's and Kohl's.com.
Key Takeaways
- Log into Kohls.com with your account username and password, then select "Pay Your Bill" to make a one-time payment that posts the same day.
- Payments made through the Kohl's mobile app work the same way as payments on the website and post on the same timeline.
- You can set up automatic monthly payments so you never miss a due date, and you can change or cancel automatic payments anytime from your account settings.
- If you miss a payment, late fees and interest charges will be added to your balance, and the missed payment will show on your credit report.
What information you need to pay online
To pay your Kohl's bill online, you need your account login (usually your email address and password) and the payment method you want to use. Kohl's accepts payments from a checking or savings account (using your routing and account number) or from a debit or credit card.
If you are paying from a bank account for the first time, have your bank's routing number and your account number ready. You can find both on the bottom left of a check. If you are paying with a card, you will need the card number, expiration date, and CVV (the three-digit code on the back).
How automatic payments work and how to set them up
Automatic payments let you choose a date each month when a payment withdraws from your bank account or card without you having to log in. You can set the payment to be your full statement balance, a fixed dollar amount, or just the minimum payment due.
To set up automatic payments, log into your Kohl's account, go to "Account Settings" or "Manage Your Account," and look for "Automatic Payments" or "Recurring Payments." You will choose your payment method, the amount, and the date the payment should process each month. Kohl's will send you a confirmation email.
You can change the payment amount or date, or cancel automatic payments entirely, anytime by logging back into your account. If you cancel, you will need to make manual payments going forward. If a payment fails because your bank account or card is closed or has insufficient funds, Kohl's will contact you about the failed payment.
What happens if you miss a payment or pay late
If your payment does not reach Kohl's by the due date shown on your statement, your account is considered late. Kohl's will charge a late fee (the amount depends on your account terms, which you can find in your cardholder agreement). Interest will also start accruing on your balance at the rate listed in your agreement.
A late payment stays on your credit report for seven years and can lower your credit score. If you are more than 30 days late, the missed payment will show on your credit report and may trigger calls or letters from Kohl's or a debt collector. If your account goes unpaid for a long time, Kohl's may close your account and refer it to a collection agency.
If you know you will be late, contact Kohl's customer service before the due date to ask about your options. Some cardholders can negotiate a one-time late fee waiver or a payment plan, though this is not may provide.
Payment timing and when money leaves your account
When you make a payment on Kohls.com or the mobile app, the money leaves your bank account or card within one to three business days, depending on your bank. The payment is recorded on your Kohl's account the same day you submit it (if before the cutoff time), but your bank may take longer to process the withdrawal.
If you are paying close to your due date, keep in mind that your bank's processing time counts toward whether the payment is on time. Kohl's considers a payment on time if it is received by the due date, not if you submit it by the due date. To be safe, pay at least three business days before the due date.
Automatic payments process on the date you choose each month. If that date falls on a weekend or holiday, the payment will process on the next business day.
Other ways to pay your Kohl's bill
Besides paying online, you can pay your Kohl's bill by phone by calling the customer service number on the back of your card. A representative will take your payment information and process the payment over the phone. Phone payments also post the same day if made before the cutoff time.
You can also mail a check or money order to the address listed on your statement under "Payment Address." Mail payments take longer to process — usually five to seven business days from when Kohl's receives the envelope — so plan ahead if you choose this method.
Some Kohl's stores have payment kiosks where you can pay in person with cash or a card, though not all locations offer this option. Call your local store to ask whether they have a kiosk before you visit.
Frequently Asked Questions
Can I pay my Kohl's bill with a different card than the one I used to open the account?
Yes. You can pay with any debit card, credit card, or bank account, regardless of which card you used to open the Kohl's account. You can also switch between payment methods each time you pay, or use a different method for automatic payments than you use for one-time payments.
What if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account. You can use the credit toward future purchases, or you can request a refund by contacting Kohl's customer service. Refunds are usually mailed as a check within two to three weeks.
Does paying online cost extra?
No. Kohl's does not charge a fee for paying your bill online, by phone, or through automatic payments. You only pay interest on the balance you carry month to month, plus any late fees if you miss a due date.
What if I forgot my Kohl's account password?
Go to Kohls.com and click "Forgot Password" on the login page. Enter your email address, and Kohl's will send you a link to reset your password. Follow the link and create a new password. If you do not receive the email, check your spam folder or contact Kohl's customer service for help.
Can I see my payment history online?
Yes. Log into your Kohl's account and go to "Account Settings" or "Statements and Payments." You can view your recent payments, statement history, and due dates. You can also download or print statements from this section.