Can I Use My Kohls Gift Card to Pay My Credit Card Bill?

Kohl’s gift cards make great gifts and provide a convenient way to shop at Kohl’s stores and But can you use a Kohl’s gift card to make a payment on your Kohl’s credit card bill? Unfortunately, the answer is no.

Kohl’s gift cards can only be used to purchase merchandise and cannot be applied as payment towards a Kohl’s credit card account However, there are still several easy ways to pay your Kohl’s card bill if you don’t have a gift card

Gift Cards Can Only Be Used for Purchases

Kohl’s issues both physical and electronic gift cards that can be redeemed for merchandise at any Kohl’s retail store nationwide or online at Per Kohl’s gift card terms and conditions, they are not redeemable for cash and cannot be used to make credit card payments.

Gift cards can only be applied to the purchase price of eligible items. Any remaining gift card balance stays on the card to use for future shopping.

You can give Kohl’s gift cards as birthday, holiday, or other gifts, but you can’t use them to pay your Kohl’s charge card bill.

Online Bill Payment Options

Luckily, if you don’t have a gift card, Kohl’s has a lot of other easy ways for you to pay your credit card bill. Here are some of the most popular online payment methods:

  • Electronic check: Pay directly from your bank account by entering your routing and account numbers when logged into your account at

  • Debit card: Use a debit card number from Visa, Mastercard, Discover, or American Express.

  • Credit card: Put your Kohl’s bill on another credit card like Visa or Mastercard. This incurs interest charges unless paid off promptly.

  • Bank transfer: Set up one-time or recurring payments through your bank’s online bill pay service.

  • Mobile payment: Use Apple Pay, Google Pay, Samsung Pay or other mobile wallet to pay your bill through the Kohl’s mobile app.

No matter which choice you make, online payments made before 10 PM ET every day are processed right away.

In-Store Payment Options

Don’t like paying bills online? Kohl’s also accepts a variety of payment types at retail store checkout lanes and customer service counters:

  • Cash: Keep it simple by paying with cash at any register. Get a receipt for your records.

  • Check: Write a personal check payable to Kohl’s for the exact payment amount and present it with your account number.

  • Money order: Fill out a money order with your Kohl’s account number and bring it to the store to pay your bill.

  • Debit card/ATM card: Swipe your card containing a Visa, Mastercard, or Discover logo to transfer funds.

  • Credit card: Put your Kohl’s bill on a different credit card by providing the account number.

In-store payments post to your account immediately. Make sure to track your remaining balance.

Set Up Automatic Payments

For the ultimate bill-paying convenience, enroll in automatic payments from your checking account. This automatically deducts your credit card payment each month on the due date.

To set up:

  1. Log into your account at

  2. Click on Payment Settings

  3. Select Automatic Payments

  4. Enter your bank account information

  5. Choose a payment date

  6. Save your selection

You can update or cancel your auto-pay selection at any time if your circumstances change.

Use Kohl’s Rewards for Payment

While you can’t directly use Kohl’s gift cards to pay your card bill, Kohl’s Rewards certificates function a bit differently. These earned rewards can be applied along with gift cards towards online merchandise purchases.

So if you have $50 in Kohl’s Rewards, you could:

  • Spend $50 on items using rewards only

  • Spend $100 total on items ($50 paid with rewards, $50 paid with gift card)

This essentially makes your rewards work like cash towards merchandise that also pays down your existing Kohl’s credit account balance. Just note rewards cannot pay shipping fees.

Check Balance and Payment History

Be sure to regularly check your Kohl’s card balance and payment history online or via the mobile app. This helps you stay organized and avoid missed payments or interest charges.

You’ll also receive monthly electronic statements detailing your transactions, total balance owed, minimum payment due, and payment due date.

Staying on top of your account activity ensures you know exactly how much and when to pay your bill every month.

Get Support for Payment Issues

Have questions about paying your Kohl’s credit card bill? The customer service team is available 24/7 by phone or online chat to provide support:

  • Call 1-800-564-5740 for automated account info or to speak with a live agent.

  • Initiate an online chat at by clicking on the chat widget.

  • Send a direct message on Facebook @Kohls or tweet @Kohls.

Kohl’s cares about your payment experience. Reach out anytime an issue arises so they can help get it resolved quickly.

While Kohl’s gift cards can’t be used directly for credit card payments, Kohl’s provides plenty of convenient payment options online, in stores, over the phone, or on mobile. Choose the method that works best for you. Consistently paying your bill on time leads to a healthy credit standing with Kohl’s.

Can I Use Kohls Gift Card To Bill Pay

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)


Can I use a gift card to pay a bill?

Can you pay bills with a gift card? If there is enough money loaded on it, you may use a gift card to pay some types of bills, but not credit cards. This is because a generic or prepaid gift card can work like a debit card. The merchant determines the payment methods it will accept.

How do I turn my Kohl’s gift card into cash?

Sell Kohl’s gift cards online at Raise to get cash back for unwanted and unused gift cards. The Raise marketplace offers an easy listing form to sell Kohl’s gift cards. All you have to do is fill out the serial number, PIN, the current balance, and your selling price.

What can I use Kohls gift card for?

Your gift recipient can then use his/her e-Gift Card to buy anything available in our stores and on

Can I use gift cards to pay off my credit card?

Quite simply, gift cards cannot be used to pay off credit card bills. Learn more about why this is and how you can better use your gift card. Continue.

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