Frequently asked questions

Right now! Activate your new card and continue earning rewards on purchases at Kohl’s. Just follow the steps to activate your card online:

1. Grab your card. You will need some card info to activate it.
2. Go to Kohls.capitalone.com to get started. You may need to provide some personal information, including your date of birth and Social Security number for security purposes.
3. Set up your account. You will need a Capital One account to activate your card online. You can sign into your existing account or create one.
4. Follow the prompts. Once you are signed in, follow the prompts to activate your card.

Even if you had previously set up an online account with Kohls.com, you will need to enroll in online servicing with Capital One at Kohls.capitalone.com in order to manage your account online. Please note that your date of birth and Social Security number will be required to sign up. If you are already a Capital One customer, you can use your existing Capital One username and password to sign in and add your Kohl’s Card to your existing account. This will allow you to view all your Capital One accounts at once.

Once signed in, you can enroll in paperless statements, customized alerts and other features. Plus, your online account with Capital One features digital tools and security benefits to help you keep your account safe.

Due to inactivity on your account, you may not receive a new card in the mail. If this is the case, you should have received a communication with instructions on how to spend in store as well as how to request a new card should you want one. If you don't receive a new card by early March and were expecting one, please call 844‑874‑8768.

Follow the steps below to request a replacement Kohl’s Credit Card.

Steps to request a new credit card through the website:

1. Sign in or enroll online at capitalone.com.
2. Select your Kohl’s Credit Card account.
3. Select the I want to... menu, then Replace a Physical Card.
4. Follow the prompts to request a replacement card.

Steps to request a new credit card through the Capital One Mobile app:

1. Sign in or enroll on the Capital One Mobile app.
2. Select your Kohl’s Credit Card account.
3. Scroll down to Protect and replace your card, then Replace a Physical Card.
4. Follow the prompt to request a replacement card.

If you’d like the card to be sent to a different address, call us at 844‑874‑8768 to complete your card replacement.

Yes! You can access your virtual card through the Capital One Mobile app. After signing into the app, simply tap Get your virtual card, which appears beneath your credit card balance.

This Kohl’s Credit Card will not be reported as a new account, and your account open date will appear as the same date currently reported on your credit file. The information previously reported to the credit bureaus will be updated with the name "CAP1/KOHL’S DEPARTMENT STORE" and the credit bureaus will continue to receive updates based on your ongoing account performance. Even though this is not a new account, if you currently use credit monitoring services, they may send you a new account alert due to the name change to CAP1/KOHL’S DEPARTMENT STORE, but please know this is the same account information and open date.

All active Kohl’s Card holders will be transitioning to the Capital One account management platform by March 2025.

No. Your card still gives you access to cardholder discounts, a special anniversary offer every year and earns 7.5% in rewards every time you shop at Kohl’s, just like it always has.

No. Your Kohl’s Rewards ID Number remains the same. You can shop online and in store with your card and earn rewards the same way you always have.

Yes, you can opt out of marketing emails from Capital One. However, opting out of Capital One marketing emails will not affect whether or not you receive marketing emails from Kohl’s and Kohl’s Rewards.

You can add your card to Kohl’s Pay in the Kohl’s App to enjoy contactless pay at Kohl’s stores. At this time, however, you are not able to add your card to other virtual wallets, such as Apple Pay and Google Pay.

Your existing Kohl’s Card will no longer work with Apple Pay. Please note that an alternative contactless payment option is Kohl’s Pay, located in the Kohl’s App. In the Kohl’s App, tap Kohl’s Pay and follow the instructions to verify your Kohl’s Card. Once added, you can access your Kohl’s Cash and coupons, as well as pay with contactless payment.

If you previously had your Kohl’s Card added to your Kohl’s Wallet, it should have automatically updated with your new Kohl’s Credit Card information and is ready to make online purchases. However, please make sure to activate your new card to make any in store purchases.

If your question isn't answered here, there's a feedback link at the bottom of this website where you can submit feedback. If you have account questions that require a direct response, please call us at 888‑647‑1712.

No, if you have unlocked MVC status, you will retain it and its included benefits. Status resets every calendar year. MVC status is earned with $600 in spend on the Kohl’s Card and/or Kohl’s Rewards® Visa at Kohl’s stores and Kohls.com within a calendar year (January 1–December 31).

Yes, your new Kohl’s Credit Card has a new card number, expiration date and security code. New authorized user cards for each authorized user were also mailed to the primary account holder. Each authorized user card has a unique 16-digit card number different from that of the primary account holder. Activate your new card to begin using it. Once you activate your new card, be sure to destroy any old cards.

You can activate and begin using your new card today. Once activated, you can use your new card to earn rewards on purchases at Kohl’s. Just follow the steps to activate and begin using your new card.

1. Grab your card. You will need some card info to activate it.
2. Go to Kohls.capitalone.com to get started. You may need to provide some personal information, including your date of birth and Social Security number for security purposes.
3. Set up your account. You will need a Capital One account to activate your card online. You can sign into your existing account or create one.
4. Follow the prompts. Once you are signed in, follow the prompts to activate your card.

Yes, a Kohl’s associate can look up your Kohl’s Credit Card account to allow a transaction to go through or to make an in store payment, which may be accepted as a courtesy. Any other account information, however, is not available.

Beginning February 24, you should activate and begin using your new Kohl’s Credit Card. Once you activate your new card, be sure to destroy any old cards to keep your information safe.

Cards may arrive in the mail through early March. If you haven't received your card yet, you can still shop in store at Kohl’s with your Kohl’s Credit Card account by presenting an associate with a valid photo ID. If you're the primary account holder and stored your current card information in your Kohl’s Wallet on Kohls.com before February 21, your Kohl’s Wallet was automatically updated on February 24 and is ready to make online purchases.

No, our customer service representatives are not able to look up your card number for online purchases.

No. Nothing has changed with how you earn and redeem rewards. Your card continues to earn 7.5% in rewards at Kohl’s and your Kohl’s Rewards balance will be converted and issued in $5 Kohl’s Cash increments on the first day of the following month, valid for 30 days, without interruption. Any current, valid Kohl’s Cash you have can be redeemed at Kohl’s and Kohls.com.

You can sign into view your rewards balance anytime or ask a Kohl’s associate to look your balance up in store.

Yes. As a loyalty member, you still earn 5% in Kohl’s Rewards on purchases made at Kohl’s and at Kohls.com.

Your Kohl’s Card monthly statements are processed and sent from Capital One, which is why they have a new look. Any paperless settings you may have had will transfer to your new account when you set up your Capital One online account. You can set up your new online account with Capital One at Kohls.capitalone.com.

No. Your card continues to have no annual fee.

The amount of any late fees has not changed.

No, but you can sign into view your rewards balance anytime or ask a Kohl’s associate to look your balance up in store.

You will be able to see 12 months of statements once enrolled in the Capital One digital servicing platform.

Your first Capital One statements will arrive beginning in February or March, depending on your statement schedule. Any authorized user activity is now included on a single statement with the combined balance of the primary account holder and all authorized users on the account.

If you're enrolled in paperless, those settings will automatically transfer when you set up your new online account. However, after February 24, you'll receive paper statements until you set up your new account. If you don't set up your online account by June 23, 2025, you'll have to update your account settings to switch to paperless when you do. If you changed your settings and unenrolled from paperless prior to February 21, your paperless settings will not carry over.

Please see the Change in Terms letter you received in the mail from Capital One for more information regarding your account. Your first Capital One statement will also contain this information. You may also contact Customer Service at 888‑647‑1712.

Yes, any one-time payments scheduled in the old online servicing system after February 21 were canceled. If you would like to make an online payment in the Capital One online servicing system, you'll need to enroll at Kohls.capitalone.com. Once you're enrolled, you can make and schedule payments online. You can also set up your account preferences, such as paperless statements and automatic payments.

There have been a few payment-related changes:
Payment cutoff time: Payments made by mobile, online or over the phone by 8 p.m. ET, Monday–Saturday, will be credited to your account on the same day. Mail payments received by 5 p.m. local time at our processing center will be credited to your account on the same day. Payments made on a Sunday, Thanksgiving, Christmas or New Year’s Day may not be credited on the same day. However, if your payment due date falls on a Sunday or one of these holidays, then payments made on that date will be credited as of that date. Payments in any other form may not be credited as of the day we receive them.
Online: You can make online payments through Capital One’s website or mobile app. If you currently make payments to Kohl’s from your Online Banking account, you can continue to do so by re-entering your credit card number and payment address. Please make sure to use the address on the front of your first new statement, and note your account number is located on the bottom of the remit coupon if you need it.
Mail: Your statements have a new design and a new payment address. Your mailed statement will include a pre-addressed envelope for your payment. Send all payments to Capital One at the address printed on your statement using the enclosed payment coupon with one check only (no cash). Please also avoid staples, tape or other documents.
Phone: The servicing phone number has changed, along with some changes to the menu options. Please use the number on the back of your card.
In store: Payments made at Kohl’s stores may be accepted as a courtesy. Payments may not be credited the same day they are received.

If you had set up automatic monthly payments to pay balances on your card in the old online servicing system, those settings and scheduled payments should have transferred to your new Capital One account. A letter was sent in the mail explaining the specifics. However, if for any reason your automatic payments did not transfer, you will receive a separate email and letter in the mail informing you.

If you are the primary account holder and your Kohl’s Card information was previously stored in your Kohl’s Wallet at Kohls.com, your account has automatically updated to your new Kohl’s Credit Card and is ready to make online purchases. Authorized users on the account, however, need to update Kohls.com with all card information.

For those of you in the 1/3 Interest Program, you will be able to avoid interest on new purchases by paying 1/3 or more of your statement balance each month. Any remaining balances will impose interest charges as noted in the Change In Terms document provided to you.

As part of the move to Capital One, payments must now be made in U.S. dollars from a U.S. deposit account. If you have been making payments by mailed check from a Canadian deposit account, which were accepted as a courtesy, going forward, these payments need to come from a U.S. deposit account with a U.S. routing number. Some Canadian Banks offer cross-border accounts that will meet this criteria—allowing you to pay from a Canadian-based U.S. dollar checking account. Otherwise, payments made at Kohl’s stores may be accepted as a courtesy. Payments may not be credited the same day they are received. Also, if you are a Canadian resident and have electronic AutoPay set up with funds taken from a Canadian deposit account, that feature has been canceled as of February 24, 2025. You will need to re-set up an AutoPay series with a U.S. deposit account, or make payments from another payment channel using a U.S. deposit account as noted above.

Please be advised that Kohl’s is in the process of reissuing cards. You may receive a new card even if your account has been recently closed. If your account has been closed, you will be unable to activate or use the newly reissued card. We would like to personally invite you to provide us the opportunity to serve you once again. Should you wish to open an account in the future, you may apply at any Kohl’s store location or apply online.

Right now! Even if you had previously set up an online account with Kohls.com, you will need to enroll in online servicing with Capital One at Kohls.capitalone.com in order to manage your account online. Please note that your date of birth and Social Security number will be required to sign up. If you are already a Capital One customer, you can use your existing Capital One username and password to sign in and add your Kohl’s Card to your existing account. This will allow you to view all your Capital One accounts at once.

Once signed in, you can enroll in paperless statements, customized alerts and other features. Plus, your online account with Capital One features digital tools and security benefits to help you keep your account safe.

No. On February 24, online account management transferred to the Capital One platform at Kohls.capitalone.com. Even if you had previously set up an online account in the old servicing system, you will need to create a Capital One online servicing account. Once signed in, you can view up to 12 months of statements, make payments, enroll in paperless statements and more.

If you already service a Capital One account online, you can use your existing Capital One username and password to add your Kohl’s Card to your existing online servicing account. Once added, you will be able to view all your Capital One accounts at once.

Great news! The conversion to Capital One’s servicing platform comes with helpful features and tools to help you manage your card, monitor purchases and protect your personal information, including:
$0 liability for unauthorized charges: If your card is lost or stolen, you will not be responsible for unauthorized charges.
Proactive account alerts: Receive an alert if Capital One detects a potential mistake or unexpected charge.
24/7 customer service: Helpful customer service representatives are available to assist you 24 hours a day.
Security alerts: Get notified if Capital One notices potential suspicious activity on your account.
The Capital One Mobile app: Manage your account anywhere, anytime. Web access is needed to use the mobile app.

Some of your settings, like automatic payments and your payment bank information (if you have made an online payment in the past), should have already transferred. If you were enrolled in paperless, those settings will automatically transfer when you set up your Capital One online account. Other settings, however, will need to be set up again when you set up your Capital One online account.

Yes, but first you will need to enroll in the Capital One online servicing platform. Once enrolled, you will be able to relink your account to Kohls.com to see your balance and make payments to your Kohl’s Card. If you have authorized users on your account, they will no longer be able to manage the account at Kohls.com. Authorized users will have access to certain account information at Kohls.capitalone.com but do not have full access to account management.

With the new Kohl’s Credit Card, any existing password restrictions will be removed. However, your new card comes with advanced security protocols to help identify and mitigate fraud. You will also have access to features like fraud alerts, instant purchase notifications and text messaging that can help you protect your account. You are now able to take advantage of these features by setting up your Capital One online account and selecting your security preferences in your Profile.

Authorized users remain on the account. When new cards were issued, a new authorized user card was mailed to the primary account holder for each authorized user. Cards issued to each authorized user have a unique 16-digit card number different from that of the primary account holder, which provides for additional security. It is recommended that authorized users update their profile at Kohls.com with their new account number to avoid potential issues at checkout. Also, please note that authorized user activity remains on the primary account holder’s account statement with a combined balance due.

Yes, new authorized user cards for each authorized user were mailed to the primary account holder. Each authorized user card has a unique 16-digit card number different from that of the primary account holder, which provides for additional security.

Yes, authorized user purchases are eligible to earn rewards with their Kohl’s Card. Rewards earned by authorized users will be added to the primary account holder’s rewards balance.

No. Authorized users have access to certain account information at Kohls.capitalone.com but do not have full access to account management.

Yes. Once your new Kohl’s Card is activated, you'll be able to add your new card number to your Kohl’s Wallet.