Is Kohls Credit Card Changing To A Visa Card?

Last Updated on March 24, 2025 by Amrita Das

Are you a frequent shopper at Kohl’s department store? If so, you may have heard about the exciting changes coming to their co-branded credit card program. The popular Kohl’s Card is transitioning into the new Kohl’s Rewards® Visa, giving cardholders even more opportunities to earn rewards on their purchases.

In this article, I will discuss what these changes mean for current and future cardholders and how you can start taking advantage of them. So, Is Kohls credit card changing to a Visa card? Let’s find out.

Table of Contents

The Kohl’s Department Store: A Popular Choice for American Shoppers

If you’re a frequent shopper in the United States, chances are that you’ve come across Kohl’s department store at some point. With over 1,100 locations spread out across 49 states, it’s hard to miss this retail giant.

Known primarily for its wide selection of clothing, shoes, and belongings, Kohl’s also offers an extensive range of housewares, gifts, and other services. One way to save money while shopping at Kohl’s is by taking advantage of their co-branded credit card with Capital One – the Kohl’s Card.

However, maximizing the benefits of this card can be tricky as it requires staying updated with various sales, promotions, discounts, etc. Moreover, the rewards earned through the card expire in a short span of one month.

Is Kohls Credit Card Changing To A Visa Card

Kohl’s is making some exciting changes to their credit card program! Your Kohl’s Card will soon be transitioning into the new Kohl’s Rewards® Visa, which will be issued by Capital One. This switch means that your Kohl’s Card will now function as a Visa card, giving you even more opportunities to earn rewards on your purchases.

With the transition to a Visa card, you can now earn rewards at any retailer that accepts Visa. This gives you much greater flexibility in where you can use your card and continue building up your rewards. Plus, with the added earning power of the new Visa card, you’ll be able to rack up rewards even faster.

Important Changes to Your Kohl’s Card

Effective September 16th, you can start using your new Visa-enabled card at all locations that accept Visa.
Keep in mind that your Kohl’s card number will be updated. If it is currently saved as a payment method on your Kohl’s account, the new number will automatically replace the old one.
All online servicing for your Kohl’s card will now be handled by Capital One. This includes AutoPay and Paperless settings, which will transfer automatically.
To access your account online after September 16th, you must enroll in a new online account at Kohls.capitalone.com.

Continuing Perks and Benefits

As a cardholder, you can still take advantage of exclusive discounts and receive a special offer each year on your anniversary with Kohl’s.
Redeem your Kohl’s Rewards just as before! Your balance will be converted to $5 increments of Kohl’s Cash, which will be issued on the first day of the following month and valid for 30 days.
Rest assured, there is no yearly cost associated with your Kohl’s credit card.
You will maintain your MVC status even with these changes in effect.
Spend $600 or more in a year at Kohl’s and you can still become a Most Valued Customer.

The Impact of Switching to a New Visa Product: What Changes Can You Expect?

When switching to a new Visa product, the most significant change is the increased accessibility and earning potential for rewards. With your new card, you can now earn rewards on purchases at any location that accepts Visa.

Along with the existing 7.5% reward rate at Kohl’s, you will also earn 3% on gas purchases, 2% at grocery stores, and 1% on all other transactions made with your card. Additionally, by using this Visa product, you will have access to exclusive benefits as a Visa Signature member.

These perks provide even more value and convenience for your everyday spending habits.

Activating Your Kohls Reward Visa: Start Earning Rewards Now

Have you just received your new Kohls reward visa and are eager to start earning rewards on all your purchases? Well, the good news is that you can activate your card right now! Unlike many other credit cards, the Kohls reward visa allows you to earn rewards not just at Kohl’s stores but also anywhere Visa is accepted.

To activate your card online, simply follow these easy steps:

Get your card ready: Before starting the activation process, make sure you have your new card handy as you will need some information from it.
Visit kohls.capitalone.com: This is where you can activate your card online. Be prepared to provide some personal data, such as your birth date and Social Security number for security aims.
Set up your account: To activate your card online, you will require a Capital One account. You can either enter into your existing account or create a new one if you don’t have one yet.
Follow the simple prompts: Once you are logged in to your account, follow the instructions to activate your new Kolhs card.

Alternatively, you can also activate your Kohls reward visa by phone. Simply call 844-207-1799 and follow the instructions provided.

How can I effectively manage my new Kohls card online?

If you recently received a Kohls card and are wondering how to manage it online, there are a few simple steps you can follow. First, you will have to join in online servicing through Capital One’s website at Kohls.capitalone.com. This process will require you to provide your date of birth and Social Security number for verification purposes.

If you already have an existing account with Capital One, you can simply add your Kohl’s Card to that account using your current username and password. Once logged in, you can take advantage of features such as paperless statements, personalized alerts, and enhanced security measures to ensure the safety of your account information.

Will Kohl’s card transition impact my credit score?

It’s natural to be concerned about your credit score when there is a change in your financial situation. In this case, the update to your account with Capital One may prompt questions such as “Will this change impact my credit score?”

The good news is that as long as you continue to make your payments on time and maintain responsible credit behavior, the impact on your credit score should be minimal. This is because Capital One will continue to report your account activity to the credit bureaus just like they have done in the past.

So, if you have been diligently managing your finances and paying off your balance consistently, this change should not affect your credit score negatively.

FAQs: Is Kohls Credit Card Changing To A Visa Card?

Q: Is it possible to use my Kohl’s card for online purchases?

A: Absolutely! Your Kohl’s card is accepted both in-store and online, allowing you to earn rewards no matter how you choose to shop. So go ahead and treat yourself with confidence knowing that your Kohl’s card has got you covered.

Q. What if I don’t receive a new card?

A: If you have not received a new card in the mail, it could be due to your account being inactive. In such cases, you should have received instructions on how to use your card in store and how to request a new one if needed.

If you were expecting a new card but haven’t received one by early March, don’t hesitate to get in touch with 844-874-8768 for further assistance.

Q. Will all Kohl’s Card holders be automatically upgraded to the new Kohl’s Credit Card?

A: As part of the change to the Capital One account management platform, all active Kohl’s Cardholders will be automatically upgraded to the new Kohl’s Credit Card by March 2025. This upgrade will provide cardholders with easier and more convenient access to their account information and rewards.

Q: Can I create a virtual card number for my Kohl’s Credit Card through the Capital One Mobile app?

A: Yes, you can easily generate a virtual card number by accessing the Capital One Mobile app and tapping on “Get your virtual card.” This feature is available for all users after signing into the app and will appear underneath your card balance.

Q. Will my Kohl’s Wallet automatically update with my new Kohl’s Rewards® Visa or do I need to take action?

A: The good news is that if you have your Kohl’s Card attached to your Kohl’s Wallet, in this case, it will be automatically updated with your current Kohl’s card information.

This means you can start making online purchases right away. However, please remember to activate your new Kohl’s Visa card in order to do any in-store shopping.