Frequently asked questions

There’s no action you need to take now. Continue managing your account as you always have. Starting February 24, you’ll be able to set up your Capital One online account. When you set up your Capital One online account, some of your settings, such as paperless preferences, automatic payments and your payment bank information (if you’ve made an online payment in the past), should transfer. We’ll notify you if your settings don’t transfer. Once your Capital One online account is set up, you’ll be able to edit any preferences.

In order to transition to the Kohl’s Credit Card, it is necessary to issue a new card with a new card number, expiration date and security code. Starting February 24, you’ll be able to activate your new card and begin using it to earn Kohl’s rewards on purchases at Kohl’s. Note, if you do not receive a new card before February 24, please call 844‑463‑7012 for more information.

Due to inactivity on your account, you may not receive a new card in the mail. If this is the case, you’ll receive 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 after February 24 and were expecting one, please call 844‑463‑7012.

We’re always looking for ways to improve your Kohl’s Card experience. Your new card still offers all the perks and rewards you love, but with security enhancements and convenient features, such as contactless payment capability. There are also updates to how you manage your card and enhanced card management features from Capital One.

Pre-activating your card means that your card will automatically activate and be ready to make purchases on February 24. You can pre-activate your card now by calling 844‑391‑1735. If you choose not to pre-activate your card, no problem. You’ll still be able to activate it anytime starting February 24.

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 will remain the same. You’ll be able to shop online and in store with your card and earn rewards the same way you always have.

Yes. You’ll have the opportunity to opt out of marketing emails from Capital One after the new program begins. Opting out of Capital One marketing emails will not affect your ability to receive marketing emails from Kohl’s.

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 continue to work with Apple Pay through February 24, at which point it will be discontinued. 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.

No. We’ll automatically update your Kohl’s Wallet and Kohl’s Pay to your new Kohl’s Credit Card, if your current Kohl’s Card is added before February 20. In order to use your physical card, however, you will need to activate it starting February 24.

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 844‑391‑1734.

With your new card, any existing password restrictions will be removed. However, your new card comes with advanced security protocols to help identify and mitigate fraud. You’ll also have access to features like fraud alerts, instant purchase notifications and text messaging that can help you protect your account. Starting February 24, you’ll be able to take advantage of these features by setting up your Capital One online account and selecting your security preferences in your Profile.

Yes. This change will not impact your MVC status or the progress you’ve made toward MVC status. MVC status is earned with $600 in spend on your Kohl’s Credit Card at Kohl’s within a calendar year (January 1–December 31) and is effective through December 31 of the following year.

No. You’ll receive a new Kohl’s Credit Card in the mail on or before February 24. On February 24, you’ll be able to enroll in the Capital One account management platform and activate your Kohl’s Credit Card.

Yes. If you’re an active cardholder, you’ll receive a new card with a new card number, expiration date and security code in the mail on or before February 24—but for now, continue using the card you currently have through February 23. New authorized user cards for each authorized user will also be mailed to the primary account holder. Each authorized user card will have a unique 16-digit card number different from that of the primary account holder. On February 24, activate and begin using your new card. Once you activate your new card, be sure to destroy any old cards.

You’ll receive your new Kohl’s Credit Card on or before February 24. Starting February 24, you’ll be able to activate and start using your new card. Once you activate your new card, be sure to destroy any old cards.

You can pre-activate your card as soon as you receive it by calling 844‑391‑1735, and on February 24, it will automatically activate and be ready to use. If you choose not to pre-activate your card, you can activate and begin using it starting February 24. Activate your new card through the Capital One Mobile app, online at Kohls.capitalone.com or by calling 844‑391‑1735. You may need to provide some personal information, including your date of birth and Social Security number for security purposes. Once you activate your new card, be sure to destroy any old cards.

Starting February 24, you can activate and begin using your new Kohl’s Credit Card in store at Kohl’s, online at Kohls.com and in the Kohl’s App.

Yes. A Kohl’s associate will be able to 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, will not be available.

Yes. Keep using your current Kohl’s Card through February 23. On February 24, you should 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.

No. Our customer service representatives will not be able to look up your card number for online purchases.

No. Nothing is changing with how you earn and redeem rewards. Your card will continue 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 in to view your rewards balance anytime or ask a Kohl’s associate to look your balance up in store.

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

Your billing statement will have a new look and will be mailed from Capital One after February 24.

No. Your card will continue to have no annual fee.

The amount of any late fees will not be changing.

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

You’ll be able to see 12 months of statements once enrolled in the Capital One digital account management platform.

Your first Capital One statement will arrive starting in October, depending on your statement schedule. Any authorized user activity will be included on a single statement with the combined balance of the primary account holder and all authorized users on the account.

If you enrolled in paperless before January 2025, your paperless settings will transfer to your new Capital One online account as long as you set up your Capital One account within 120 days of February 24. If you don’t set up a Capital One online account, you’ll receive a paper statement until you do and your settings will reset to paper statements after 120 days. Starting February 24, you can set up your new online account management with Capital One and modify any account settings.

Please see the Change in Terms letter you received in the mail from Capital One for more information regarding your account. You may call 844‑437‑9089 starting February 24 for any questions. Your first Capital One statement will also contain this information.

Yes, any one-time payments scheduled on or after February 21 will be canceled, and from February 21–February 23, digital payment methods will be unavailable. During that time, if you would like to make a payment, you may do so by mail by sending your payment to the address on your statement, or payments may be accepted in store at Kohl’s as a courtesy. Payments made at Kohl’s may not be credited the same day they are received.

Starting February 24, you’ll be able to enroll in the Capital One online account management site at Kohls.capitalone.com. Once you’re enrolled, you’ll be able to make and schedule payments online. You’ll also be able set up your account preferences.

Starting February 24, there will be 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. Mailed 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.
Mail: Your statements will 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.
Phone: The account management phone number will change, 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’ve set up automatic monthly payments to pay balances on your card, those settings and scheduled payments will transfer to your new Capital One account. You’ll receive a letter in the mail, if you haven’t already, explaining the specifics of how your automatic payments will transfer. If for any reason your automatic payments don’t transfer, we will notify you after February 24.

Any one-time payments scheduled on or after February 21 will be canceled, and from February 21–February 23 digital payment methods will be unavailable. During that time, if you would like to make a payment, you may do so by mail by sending your payment to the address on your statement or payments may be accepted in store at Kohl’s as a courtesy. Payments made at Kohl’s may not be credited the same day they are received.

Starting February 24, you’ll be able to enroll in the Capital One online account management site at Kohls.capitalone.com. Once you’re enrolled, you’ll be able to make and schedule payments online. You’ll also be able to set up your account preferences.

If you’re the primary account holder and your card information is currently stored in your Kohl’s Wallet on Kohls.com, your account will be automatically updated to your new Kohl’s Credit Card on February 24 and be ready to make online purchases. Authorized users on the account will need to update Kohls.com with all card information.

For those in the 1/3 Interest Program, after February 24 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 will be 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.

Starting February 24, even if you had already set up an online account with Kohls.com, you’ll have to enroll in online account management 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 new card to your existing account. This will allow you to view all your Capital One accounts at once.

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

On or after February 21, one-time online payments will no longer be processed in the current Kohl’s system, and online account management will be unavailable February 21–February 23. If you would like to make a payment during that time, please pay by mail or as a courtesy, you can pay in store. Online account management will transfer to the Capital One platform on February 24, at which time you can enroll and manage your account in the new experience.

If you already manage a Capital One account online, starting February 24, you can use your existing Capital One username and password to add your Kohl’s Credit Card to your existing online management account. Once added, you’ll be able to view all your Capital One accounts at once.

Great news! The conversion to Capital One’s account management 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 won’t 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.

Some of your settings, like paperless, automatic payments and your payment bank information (if you’ve made an online payment in the past), should transfer. We’ll notify you if your settings don’t transfer. You can view and update all your settings when you enroll in the Capital One online account management site.

Starting February 24, management of your account will shift to Capital One. For your convenience, there will be links to manage your Kohl’s Card on Kohls.com, but they will direct you to the Capital One account management site. Once directed to the Capital One site, you’ll be able to sign in to your account and manage your Kohl’s Card online.

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

Yes. New authorized user cards for each authorized user will be mailed to the primary account holder. Each authorized user card will have a unique 16-digit card number different from that of the primary account holder.

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

No. Authorized users will have access to certain account information in the Capital One online account management system but may not have full access to account management. Additionally, authorized users will no longer be able to view card account information on Kohls.com.

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

No. The Kohl’s Credit Card can only be used to make purchases in store at Kohl’s, online at Kohls.com and in the Kohl’s App.