Kohl’s is a popular department store known for great deals on apparel, home goods, electronics, and more. Many shoppers hold the Kohl’s credit card to save even more money through discounts and rewards.
If you have a Kohl’s credit card, you may wonder if you can use Kohl’s gift cards to pay your bill. After all, gift cards spend just like cash in the store. But can you apply them towards your credit account?
Unfortunately, the answer is no. Kohl’s gift cards cannot be used to make payments on your Kohl’s credit card account. But don’t worry – Kohl’s offers plenty of other convenient ways to pay your bill if you don’t have a gift card handy.
Kohl’s Gift Card Uses and Restrictions
Kohl’s issues gift cards that come in two forms – physical plastic cards and virtual eGift cards sent by email. These prepaid cards carry a cash value that can be spent at any Kohl’s retail location nationwide or on Kohls.com.
According to the Kohl’s gift card terms and conditions balances are redeemable for merchandise only. The cards do not have an associated cash value and cannot be
- Used to make credit card payments
- Exchanged for cash
- Used to withdraw money at an ATM
Kohl’s gift cards can only be applied towards the purchase price of items in-store or online. Any remaining balance stays on the card to use for future shopping trips.
While very useful for buying Kohl’s merchandise, the cards unfortunately cannot go towards paying down your Kohl’s credit card balance.
Why Kohl’s Prohibits Gift Card Bill Payments
Most major retailers do not allow customers to use gift cards to pay credit card bills. Kohl’s is no different. Here are some key reasons why:
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Credit card payments must be made with bank funds – Credit card companies need to source payments from bank accounts, debit cards, or new credit lines. Gift cards are prepaid balances issued by retailers.
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Risk of money laundering – Allowing gift cards for credit card payments could enable money laundering schemes. Criminals could use stolen cards to buy gift cards and pay down their balances.
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Retailers want gift cards used for purchases – Stores want customers to redeem gift cards to buy more items and generate revenue. Letting people pay bills doesn’t benefit the merchant.
For these reasons, most retailers follow the same gift card restrictions as Kohl’s. While inconvenient if you lack other payment means, these policies help prevent financial crimes.
Alternative Ways to Pay Your Kohl’s Credit Card Bill
Just because you can’t directly use Kohl’s gift cards to pay your bill doesn’t mean you’re out of options. Kohl’s offers many easy and convenient ways to pay your credit card or charge account balance.
Pay Your Kohl’s Credit Card Bill Online
Kohl’s encourages customers to take advantage of their online account tools to manage payments. To pay your Kohl’s card bill online, you can:
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Pay by electronic check from your checking account
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Use a debit or credit card number
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Set up a one-time or recurring bank transfer
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Pay via mobile wallet like Apple Pay or Google Pay
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Receive and pay paperless eStatements
These methods allow online payments 24/7 with immediate processing before 10 PM ET daily.
Pay Your Bill In-Person
To pay in cash or by check, you can visit any Kohl’s store and:
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Pay at the checkout/customer service desk
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Drop off your payment in an envelope at the front
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Get a printed receipt for your records
This is a quick and easy option for those who prefer paying bills face-to-face. Just be aware of store hours.
Pay by Phone
Call 1-800-564-5740 anytime to:
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Use the automated system for account info/payments
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Speak to a live agent to process your payment
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Provide your account details and credit/debit card info
Phone payments work well if you’re on the go or don’t have internet access.
Sign Up for Automatic Payments
For maximum convenience, enroll in monthly autopay right from your bank account. Your payments will be seamlessly deducted on the due date each billing cycle.
To enroll, just log into your account online or speak to a Kohl’s agent by phone. Provide your account and routing number to get started.
Use Kohl’s Rewards for Credit
An indirect way to leverage Kohl’s rewards towards your credit card bill is to redeem them for purchases. Just use your built-up Kohl’s Cash to pay for merchandise. This lowers the total amount you owe on your card.
While Kohl’s gift cards cannot go towards credit payments, Kohl’s does provide cardholders with multiple easy options. Pay online, via mobile, in-store, over the phone, or with automatic payments.
Get Kohl’s Card Account Support
If you need help with your Kohl’s credit account and bill payment options, reach out to customer service:
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Call 1-800-564-5740
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Initiate an online chat session at Kohls.com
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Send a Facebook message to @Kohls
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Tweet @Kohls on Twitter
Kohl’s aims to deliver exceptional support via phone, digital platforms, and in-store. Contact them anytime you need payment assistance or have account questions.
Make Bill Paying Easy With Alternate Methods
It can be frustrating when you receive a Kohl’s gift card but can’t use it towards your existing credit card balance. Just remember this restriction aligns with most major retailers’ gift card policies.
Rather than let an unused gift card go to waste, take advantage of it on your next Kohl’s shopping trip to lower the total cost. Kohl’s also offers many convenient options to keep your credit account in good standing like online, mobile, automatic, and in-person payments.
Consistency is key – be sure to check your balance often and make at least the minimum payment by the due date each month. Avoiding late and missed payments will help build your credit history with Kohl’s for future savings and perks.
How to Pay Kohls Credit Card (Kohl’s Card Payment Options)
FAQ
Can I use Kohl’s gift card to pay bill?
Can you use a gift card to pay on a bill?
Where can I use my Kohl’s gift card?
Can you use a $30 off with a Kohl’s gift card?
Can I make a payment using a Kohl’s gift card?
Although you cannot make a payment using a Kohl’s Gift Card or Kohl’s Merchandise Credit, Kohl’s Cares Gift Cards, which are Gift Cards sold by non-profit organizations as part of a fundraising program, can be used for payments at every Kohl’s store. Payments can also be made using a check, cash, or money order.
How can I make a payment at Kohl’s?
Payments can be made at Kohl’s using Kohl’s Cares Gift Cards, which are Gift Cards sold by non-profit organizations as part of a fundraising program. You can also make payments through our automated telephone system or online through My Kohl’s Charge by using your bank routing number and checking account number.
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.
Does Kohl’s have a credit card?
Kohl’s stores are best known for clothing, shoes and accessories, but they also have a robust offering of housewares, gifts and other products. The retailer’s co-branded credit card with Capital One — the Kohl’s Card — can be a decent choice for frequent customers looking to save some money.
How do I pay a Kohl’s charge over the phone?
To pay a Kohl’s charge over the phone, call the Kohl’s customer service number at 855-564-5748. The automated phone system at Kohl’s enables customers to make free payments at any time of the day or night. Can I Buy Gift Cards with Kohl’s Credit Card?
Can you exchange Kohl’s gift cards for cash?
No, you cannot exchange Kohl’s gift cards for cash. However, twelve states (Washington, Oregon, California, Montana, Colorado, New Jersey, Rhode Island, Massachusetts, Vermont, Maine, Connecticut, and Puerto Rico) have gift card policies that require stores to pay out unused balances on cards purchased there.