How To Close Kohls Credit Card: An Essential Guide

Last Updated on June 30, 2026 by Amrita Das

To close a Kohl’s Credit Card, call Capital One customer service at the number on the back of your card, or log in to the Capital One website or app and use the “I want to” menu to request closure. Pay off any balance first, redeem unused rewards, and update recurring payments before you cancel. Whatever your reason, closing a Kohl’s Credit Card is straightforward—but a few details can trip you up if you rush.

In this guide, you will learn exactly how to close your Kohl’s Credit Card, step by step. You’ll learn who actually manages the card, the best ways to cancel, what to do before you call, and how closing the account might affect your credit score. Here, you will also discover what happens to your Kohl’s Cash and Rewards, so you don’t lose money on your way out.

Table of Contents

Who manages the Kohl’s Credit Card?

Before you cancel, it helps to know who you’re really dealing with. Capital One issues and services the Kohl’s Credit Card and the Kohl’s Rewards Visa, under a license from Visa. For years, Kohl’s managed the card itself, but it has now handed servicing over to Capital One.

What does this mean for you? When you call to cancel or log in to manage your account, you’ll be working with Capital One—not Kohl’s store customer service. This matters because the phone numbers and login portals differ depending on what you need.

Here are the key contact details:

Kohl’s Card and payment questions: 844-463-7013, available 24/7
Capital One/Kohl’s Credit Card login: capitalone.com

Keep your card handy. The fastest way to reach the right department is to call the number printed on the back of your card.

What should you do before closing your Kohl’s Credit Card?

A little prep work saves you headaches later. Run through this checklist before you cancel anything.

Pay off your full balance

You can’t fully close an account with money still owed, and even if Capital One processes the closure, you’re still responsible for the debt. Any remaining balance must be paid through at least the minimum monthly payment until it reaches zero. Paying off the full balance first makes the process cleaner and stops interest from piling up.

Redeem your Kohl’s Cash and Rewards

This step is easy to forget, and forgetting it costs you. According to Kohl’s Rewards terms and conditions, members who close their Kohl’s Rewards Account forfeit all accumulated Kohl’s Rewards balance and any unused Kohl’s Cash, except where prohibited by law. Spend any Kohl’s Cash and cash in your Rewards before you cancel.

One nuance worth knowing: your Kohl’s Rewards Account can remain separate from your Kohl’s Credit Card or Kohl’s Rewards Visa account. In some cases, you may be able to keep earning Rewards as a shopper even after the credit card is gone. When you call, ask the representative to confirm what happens to your specific Rewards account.

Update your recurring payments

If you’ve linked your Kohl’s Credit Card to any subscriptions, utility bills, or automatic charges, switch those to another payment method now. Once the card is closed, those charges will fail—and a missed bill can hurt your credit or interrupt a service you rely on.

Download your statements

Save copies of recent statements for your records. If a dispute or billing question comes up after closure, you’ll be glad to have them.

How do you close a Kohl’s Credit Card?

There are three main ways to close your Kohl’s Credit Card. Pick the one that fits how you prefer to handle these things.

Option 1: Close by phone

Calling is the most direct method. Here’s how it works:

Call customer service at the number on the back of your card, or use 844-463-7013 for Kohl’s Card and payment matters.
Verify your identity. You’ll need to enter your account number and Social Security number to confirm who you are.
Follow the prompts to reach a live representative.
State clearly that you want to close the account. Be direct—there’s no need to over-explain.
Decline any retention offer. The representative may offer you a bonus or perk to stay. You can politely say no and ask them to proceed with the closure.
Get confirmation. Ask for a confirmation number or written confirmation that the account is closed.

This route is best if you want immediate confirmation and the chance to ask questions about your balance or rewards in real time.

Option 2: Close online

If you’d rather avoid a phone call, you can handle most of this through Capital One.

Log in to the Capital One website or mobile app.
Select your Kohl’s Credit Card account.
Open the “I want to” menu, then look under “Control Your Card” for the “Close Account” option.
Follow the on-screen directions to finish.

If you don’t see a self-service close button, you can start a live chat with a Capital One representative and ask them to cancel the card for you. Save a copy of the chat transcript as proof.

The online route works well if you prefer written records and don’t want to navigate a phone tree.

Option 3: Close by mail

Sending a written cancellation request gives you a paper trail. Mail a signed letter that includes your name, address, and account number, requesting that your account be closed. Send it to:

Kohl’s Credit Card

Attn: Customer Service
N56 W17000 Ridgewood Dr
Menomonee Falls, WI 53051
United States of America

For peace of mind, send it via certified mail so you have tracking and delivery confirmation. Mail is the slowest option, so call to verify the closure went through after you’ve allowed time for delivery and processing.

Does closing a Kohl’s Credit Card hurt your credit score?

Yes, closing a credit card can lower your credit score, at least in the short term. How much depends on a few factors.

Two parts of your credit score are most affected when you close a card:

Credit utilization: Closing a card removes its credit limit from your total available credit. If you carry balances on other cards, your overall utilization ratio rises, which can drag your score down.
Length of credit history: Older accounts help your score. Closing a long-held card can shorten your average account age over time.

That said, the damage isn’t always significant, and it’s often temporary. If the rest of your finances are in good shape, your score can recover within a few months. WalletHub offers a free credit score simulator if you want to estimate the impact before you decide.

Should you keep the card open instead? It depends on your situation:

Keep it open if the card has no annual fee and you can leave it untouched. An open card with a $0 balance keeps reporting positive history and helps your utilization. The Kohl’s Credit Card has no annual fee, so there’s little cost to leaving it open.
Close it if you’re worried about fraud on an unused account, you’re tempted to overspend, or having the card open complicates your financial management. Sometimes peace of mind is worth a small, temporary dip.

There’s no universally right answer. Weigh the small score impact against the benefit of simplifying your finances.

What happens after you close the account?

Once your Kohl’s Credit Card is closed, a few things follow:

The account stays on your credit report. A closed account in good standing can remain on your report for up to 10 years, continuing to reflect your positive payment history.
Any remaining balance is still your responsibility. You’ll keep making payments until it’s paid off.
Recurring charges will be declined. This is why updating your payment methods beforehand matters.
You lose unused Kohl’s Cash and Rewards tied to a closed Rewards account, so confirm you’ve used them.

Cut up or securely destroy the physical card once the closure is confirmed.

Frequently asked questions

Can I cancel my Kohl’s Credit Card online?

Yes. Log in to the Capital One website or app, select your card, then go to “I want to” and “Control Your Card” to find “Close Account.” If you can’t find the option, start a live chat with a representative and ask them to close it for you.

What is the Kohl’s Credit Card customer service number?

For Kohl’s Card and payment questions, call 844-463-7013, available 24 hours a day, 7 days a week. You can also call the number printed on the back of your card to reach the right department directly.

Will I lose my Kohl’s Cash if I close my card?

You may. Members who close their Kohl’s Rewards Account forfeit their accumulated Rewards balance and any unused Kohl’s Cash, except where prohibited by law. Redeem everything before you cancel. Note that your Kohl’s Rewards Account can sometimes stay separate from your credit card, so ask the representative to confirm your specific case.

Do I need to pay off my balance before closing?

You don’t have to clear it before requesting closure, but you’re still required to make at least the minimum monthly payment until the balance hits zero. Paying it off first is the cleaner approach and avoids ongoing interest.

Does Kohl’s report to credit bureaus?

Yes. Kohl’s and Capital One may report account activity to the credit bureaus. Late payments, missed payments, or defaults can appear on your credit report, while on-time payments help your history.

How do I remove my card from the Kohl’s app?

In the app, go to “Billing & Payment Info,” click “Edit,” and update or remove the saved card.

Is there a fee to close a Kohl’s Credit Card?

No. Closing the account is free when you do it directly through Capital One or Kohl’s by phone, online, or mail. Third-party cancellation services may charge a fee, but you don’t need them to close the card yourself.

Ready to close your account? Bottom Line

Closing a Kohl’s Credit Card comes down to a few simple steps: pay off your balance, spend your Kohl’s Cash and Rewards, switch any recurring payments, then call Capital One or use the online portal to request closure. Always get confirmation in writing or note your confirmation number.

Before you commit, take a moment to weigh the trade-off. If the card costs you nothing to keep and you can resist using it, leaving it open may help your credit score. But if closing it brings you peace of mind or keeps your spending in check, that’s a perfectly good reason to move on.

Whatever you decide, you now have everything you need to handle it confidently.