Kohl’s is a popular department store offering a wide selection of apparel, home goods, beauty products, and more at reasonable prices Many Kohl’s shoppers take advantage of the Kohl’s credit card to finance purchases and earn rewards But when it comes time to pay your bill, you may wonder if you can use Kohl’s gift cards you’ve received to make credit card payments.
Unfortunately, Kohl’s does not allow customers to pay their Kohl’s credit card bills directly with Kohl’s gift cards or Kohl’s merchandise credit However, Kohl’s accepts various other convenient payment methods for credit card bills. Read on to learn why gift cards can’t be used and what recommended bill payment options Kohl’s provides.
Overview of Kohl’s Credit Cards
Kohl’s offers all customers the option to open a proprietary Kohl’s credit card account. The Kohl’s card provides several benefits:
- Generous discounts and exclusive offers for cardholders
- Kohl’s Rewards points earned with each purchase
- Special cardholder savings events
- Deferred interest promotions on purchases
- Convenient monthly payment plans
Customers can also link an existing Visa, Mastercard, American Express, or Discover card to their Kohl’s account to receive similar perks and financing options.
However, just like any credit card, Kohl’s card accounts accrue interest and late fees if the balance isn’t paid in full each month This makes picking a convenient payment method important
Why Kohl’s Gift Cards Can’t Pay Credit Card Bills
Kohl’s gift cards and merchandise credit function as pre-paid store value cards – similar to cash – that can be applied towards new purchases.
Unfortunately, these pre-paid value cards are not configured as payment instruments within Kohl’s systems. So they cannot be used to pay existing Kohl’s credit card balances for a couple reasons:
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Incompatible Payment Systems – Technically, backend payment processing systems are not designed to allow gift card value to pay credit card bills.
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No Cash Value – Kohl’s gift cards and merchandise credits have no cash value and cannot be converted to cash or account payments.
While you can’t directly pay your bill with gift cards, they can still help reduce your balance when used for new purchases. Any limits on combining gift cards with Kohl’s credit use would be disclosed at time of purchase.
Alternative Ways to Pay Your Kohl’s Credit Card Bill
Although gift cards are not an option, Kohl’s provides several alternative methods to quickly and easily pay your credit card bill:
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Online – Pay for free via your Kohl’s online account access using bank account info.
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Mobile App – Download the Kohl’s app to pay using your smartphone or tablet.
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Phone – Call the automated payment line anytime at 855-564-5705.
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Mail – Send paper checks or money orders to Kohl’s payment processing centers.
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In-Store – Make cash, check, or debit card payments at any Kohl’s store location.
Kohl’s offers the flexibility of paying online, over the phone, by mail, or in person based on your needs and preferences each billing cycle.
Tips for Paying Your Kohl’s Credit Card Bill
Follow these tips and best practices when paying your Kohl’s credit card bill:
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Pay at least the minimum due each month before the due date to avoid late fees.
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Monitor account balances and due dates through your online account. Set up alerts.
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Save payment receipts and confirmation numbers for your records.
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Avoid mailing cash payments. Send paper checks or money orders instead.
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Set up automatic recurring payments online for convenience.
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Contact Kohl’s immediately if your card is lost, stolen, or compromised.
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Update account and contact information if anything changes.
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Ask Kohl’s support about financial assistance programs if you cannot make payments.
Staying on top of your account activity and making on-time payments are key to responsibly managing your Kohl’s credit card.
Get Kohl’s Card Account Support
If any questions or issues arise regarding your Kohl’s credit card account, balances, payments, or other card-related matters, Kohl’s customer service team is ready to help.
Contact Kohl’s card support at:
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Phone: 855-564-5705
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Online: Kohls.com/credithelp
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Mail: PO Box 3115, Milwaukee, WI 53201-3115
Reach out for login help, payment troubleshooting, account questions, and payment plan options if required. Their support specialists can also check into alternative bill payment methods.
Consider a Kohl’s Card for Purchase Perks
The Kohl’s credit card can provide valuable discounts and rewards when you shop at Kohl’s frequently. Just be sure to pay your bill promptly each month using one of their various payment methods – but not gift cards.
Responsibly managing your account will help you enjoy the savings and convenience of Kohl’s credit without the hassle of debt. Pay online or via mobile app for quick and easy payments.
When making a return, you may receive your refund in the form of a Kohl’s Merchandise Credit. This Kohl’s Merchandise Credit, or KMC, can be later applied to any purchase of merchandise either in-store or online. Your KMC will apply to your purchase just like a gift card.
Follow these easy steps to add a KMC to your Wallet:
- Find the 16-digit card number, located directly under the barcode on the back of your KMC, and enter it into your Wallet in the “Add a Gift Card” section.
- Enter the 4-digit PIN number exactly as it appears on your KMC. (You may need to scratch off the cover to reveal this.)
- Click “Add to Wallet”.
This saves the Kohls Merchandise Credit into your Wallet for easy access when checking out in-store or online.
How to Pay Kohls Credit Card (Kohl’s Card Payment Options)
FAQ
What forms of payment does Kohl’s accept?
Can I pay bills with gift cards?
Can I use gift cards to pay off my credit card?
Can you turn a Kohl’s gift card into cash?
Can I make a payment toward my Kohl’s card account?
Although you cannot make a payment toward your Kohl’s Card account using a Kohl’s Gift Card or Kohl’s Merchandise Credit, payments can be made at every Kohl’s store using a check, cash, debit card or money order.
Does Kohl’s accept cash or check payments?
Cash or check p ayments made at the register post the same day and are accepted until the close of business. Use the store locator to find a local Kohl’s store. Kohl’s doesn’t accept cash payments by mail, but you can make a payment on your Kohl’s credit card bill by check or money order.
Can I use kohl’s cash on a gift card?
Kohl’s Cash and Kohl’s Rewards are applied prior to any other storewide or department-specific coupons, and can only be used to purchase Kohl’s merchandise. Kohl’s Cash cannot be used to purchase Gift Cards or to cover any online shipping charges that may apply to online orders.
How does a Kohl’s gift card work?
A Gift Card or Kohl’s Merchandise Credit (KMC) must be applied to the full purchase price of an online order, prior to any credit card being applied. If the remaining balance of the Gift Card or KMC does not cover the full purchase amount, the remaining payment will then be applied to your selected credit card.