Frequently asked questions

Right now! Activate your new card and start earning rewards on purchases everywhere Visa is accepted—not just Kohl’s®. Just follow the steps to activate and begin taking advantage of your expanded rewards earning power. 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 in to your existing account or create one.
4. Follow the prompts. Once you are signed in, follow the prompts to activate your card.

Or you can activate by phone by calling 844‑207‑1799. Once you activate your new card, be sure to destroy any old cards.

The biggest change is that you are now able to use your card and earn rewards on purchases everywhere Visa is accepted. You will still earn 7.5% in rewards at Kohl’s, but you will also earn 3% in rewards on gas, 2% at grocery stores and 1% on purchases everywhere else Visa is accepted. You will also enjoy Visa Signature benefits, which you can learn more about here: Kohls.capitalone.com/visa-benefits-guide.

There may be other changes to your account as well. Please refer to your Change in Terms, which you received in the mail, for details about changes to your account.

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 Rewards® Visa 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.

If you did not receive a new Kohl’s Rewards® Visa and you were expecting one, please call Customer Service at 844‑207‑1799. If you were deemed no longer eligible for the Kohl’s Rewards Visa as of September 13, 2024, the changes described on this page do not apply. You will receive a communication if this occurs.

This Kohl’s Rewards Visa 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 "CAPITAL ONE" 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 CAPITAL ONE. Please know this is the same account information and open date.

The Kohl’s Rewards® Visa may have an impact on your credit score, and such impact may be either positive or negative. Credit scores take into account a variety of factors, which can include the type of credit card account (such as a co-brand card) but many other factors as well, including your payment history, other credit accounts you may have, your outstanding balances versus total available credit, length of credit history, etc. Moreover, there are several different credit scoring models (such as FICO, VantageScore and others), and they each will evaluate Kohl’s Rewards Visa and other factors differently, resulting in different impacts to your credit scores. To find out more about your credit score, you can contact any of the three major credit bureaus (TransUnion, Equifax and Experian). Please note that Capital One will typically continue to send updates to the credit bureaus based on your ongoing account performance as we have done in the past.

No. Some cardholders will convert to a new Kohl’s Rewards® Visa at a later date, and some may receive a newly branded Kohl’s Credit Card.

Your new Kohl’s Rewards® Visa can be used to make purchases and earn rewards on purchases everywhere Visa is accepted. You will still earn 7.5% in rewards at Kohl’s, but you will also earn 3% in rewards on gas, 2% at grocery stores and 1% on purchases everywhere else Visa is accepted. You will also enjoy Visa Signature benefits, which you can learn more about here: Kohls.capitalone.com/visa-benefits-guide.

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 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.

Yes. After you activate your new Kohl’s Rewards® Visa, you’ll need to update your Apple Pay account with the new card information. Once activated, your new card can also be added to other digital wallets, including Google Pay and Samsung Pay.

If you previously had your Kohl’s Card added to your Kohl’s Wallet, it should have automatically updated with your new Kohl’s Rewards® Visa 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 844‑437‑9089.

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). Spending outside of Kohl’s with the Kohl’s Rewards® Visa will earn rewards, but not contribute toward MVC status.

Yes, your Kohl’s Rewards® Visa 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 Kohl’s Rewards® Visa today. Once activated, you can use your new card to earn rewards on purchases everywhere Visa is accepted—not just Kohl’s. Just follow the steps to activate and begin taking advantage of your expanded rewards earning power.

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 in to your existing account or create one.
4. Follow the prompts. Once you are signed in, follow the prompts to activate your card.

Or you can activate by phone by calling 844‑207‑1799. Once you activate your new card, be sure to destroy any old cards.

Because your new Kohl’s Rewards® Visa is a Visa card, you can use it for automatic or recurring payments, such as utilities and online subscriptions. You can also link your new card to Apple Pay®, Google Pay and/or Samsung Pay. Please note, if you previously had your Kohl’s Card in Apple Pay, you need to set that up again with your new Kohl’s Rewards® Visa.

Yes, a Kohl’s associate can look up your Kohl’s Rewards® Visa 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 September 16, you should activate and begin using your new Kohl’s Rewards® Visa. Once you activate your new card, be sure to destroy any old cards to keep your information safe.

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

You can now use your new Kohl’s Rewards® Visa to earn rewards on purchases everywhere Visa is accepted. You will still earn 7.5% in rewards at Kohl’s, but you will now earn 3% in rewards on gas, 2% at grocery stores and 1% on purchases everywhere else Visa is accepted. You also enjoy Visa Signature benefits, which you can learn more about here: Kohls.capitalone.com/visa-benefits-guide. Other card benefits, such as exclusive savings opportunities and a special anniversary offer every year, remain the same.

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

No, your Kohl’s Rewards balance is still 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 at Kohls.com.

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

Right now! Activate your new Kohl’s Rewards® Visa and begin using it to continue earning 7.5% in rewards at Kohl’s. Once active, you can also use your Kohl’s Rewards® Visa to make purchases everywhere Visa is accepted to earn 3% in rewards on gas, 2% at grocery stores and 1% on purchases everywhere else. Your current rewards balance has transitioned to the new program and will be redeemed as it always has without interruption.

Visa Signature offers a number of additional benefits available for you to enjoy. Benefits include, Visa Signature Concierge, travel and emergency assistance, and roadside dispatch. To learn about your Visa Signature benefits, please visit Kohls.capitalone.com/visa-benefits-guide.

Your Kohl’s Rewards® Visa 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 in to 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 September, 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 September 16, you’ll receive paper statements until you set up your new account. If you don’t set up your online account by January 14, 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 September 16, 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 844‑437‑9089.

Balance transfers are a feature that may be added to your Kohl’s Rewards® Visa in the future. At this time, however, balance transfers are not an option.

Yes, any one-time payments scheduled in the old online servicing system after September 13 were canceled. If you would like to make an online payment in the Capital One online servicing system, you will need to enroll at Kohls.capitalone.com. Once you are 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 pay by a bank bill pay service, you’ll need to update that bill pay service with your new credit card information, including the payment address once your new card arrives. 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. 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 Rewards® Visa and is ready to make online purchases. Authorized Users on the account, however, need to update Kohls.com with all card information.

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 Rewards® Visa 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 September 16, 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 Rewards® Visa 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 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 automatic payments and your payment bank information (if you have made an online payment in the past), should have transferred. However, other settings, such as paperless statements, did not transfer, so you will have to set them up again when you enroll in the Capital One online servicing site.

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 Rewards® Visa. 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.

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 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, Authorized User purchases are eligible to earn rewards with their Kohl’s Rewards® Visa. 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 Kohl’s Rewards® Visa is activated, you’ll be able to add your new card number to your Kohl’s Wallet. You’ll also be able to add your card to other virtual wallets, such as Apple Pay®, Google Pay and Samsung Pay.

Yes. Because your Kohl’s Rewards® Visa is a Visa card, you can use it to earn rewards on purchases everywhere Visa is accepted. The rewards you earn will be added to the primary cardholder’s Kohl’s Rewards account and issued to the primary cardholder as Kohl’s Cash in $5 increments at the end of each month.