How to Cancel Your Kohl’s Capital One Credit Card: Step-by-Step Guide

Canceling your Kohl’s credit card at any time is free and relatively straightforward, but recent changes have left many cardholders confused. Because Kohl’s recently transitioned their credit card portfolio to Capital One, the process, customer service portals, and security requirements have changed.

Whether you are frustrated by poor customer service, trying to consolidate your finances, or simply not shopping at Kohl’s as much, this guide will show you exactly how to close your Kohl’s store card or co-branded Kohl’s Visa card without the headache.

Here is exactly how to cancel your Kohl’s credit card online, over the phone, and what you need to know about your credit score and Kohl’s Cash before you do it.

Quick Summary (TL;DR)

• Phone Cancellation: Call Kohl’s Capital One Customer Support at 844-463-7013.
• Online Cancellation: Log in to kohls.capitalone.com and navigate to the “Close Account” settings.
• Balance Requirement: You must have a $0.00 balance to fully close the account.
• In-Store: You cannot cancel your credit card at a physical Kohl’s store. Cashiers do not have access to Capital One’s credit systems.

Note: If your account has been flagged for a security review or has a pending balance, the “Close Account” button may be hidden. If you do not see it, you are required to call customer service.

How to Cancel Your Kohl’s Credit Card by Phone

If you prefer to speak to a representative or the online option is not working, a quick phone call will get the job done. Support is available 24/7.

1. Call Customer Service: Dial 844-463-7013.
2. Navigate the Automated Menu: Enter your card number or Social Security Number when prompted by the automated system.
3. Request Cancellation: Tell the representative you want to permanently close your account.
4. Verify Your Identity: Be prepared to provide your full name, date of birth, billing address, and potentially complete a mobile ID verification check.
5. Request Confirmation: Ask the representative to email or mail you a written confirmation that the account has been closed with a $0 balance.
6. Destroy the Card: Once confirmed, cut up your physical store card or Kohl’s Visa to prevent fraud.

The “Passive Cancellation” Alternative (Inactivity)

If you don’t want to deal with customer service, there is a third option: letting the card close itself.

If you pay your balance down to $0.00, cut up the card, and simply stop using it, Capital One will eventually flag the account as inactive. Kohl’s credit cards are typically automatically closed due to inactivity after 12 to 24 months of no purchases. This achieves the exact same result without requiring a phone call.

4 Things to Do Before You Cancel

Before you click “close” or pick up the phone, make sure you have checked these four boxes to protect your finances and rewards.

1. Pay Off Your Remaining Balance

You cannot close a Kohl’s credit card if it has an outstanding balance. If you try, the account will just be suspended from new purchases, but interest will continue to accrue. Ensure your balance is exactly $0.00. Don’t forget to cancel any scheduled automatic payments from your bank account to avoid overpaying.

2. Understand the Credit Score Impact

Closing any credit card will temporarily impact your credit score. When you cancel your Kohl’s card, you reduce your total available credit, which can spike your Credit Utilization Ratio.

Additionally, closing an old account can eventually lower your Average Age of Accounts (AAoA). If you are applying for a mortgage or auto loan soon, you may want to wait to cancel. (To keep an eye on these changes, many users rely on credit monitoring apps.

If you are cleaning up your finances and want to drop paid monitoring tiers, check out our guides on how to [cancel your Experian membership] or [close your Credit Karma account]).

3. Secure Your Kohl’s Cash & Rewards

Many shoppers panic that canceling their credit card means losing their Kohl’s Cash. You will not lose your standard Kohl’s Cash. Your Kohl’s Rewards account is tied to your phone number and email, not your credit line. However, you will drop from the 7.5% cardholder rewards rate down to the standard 5% rewards rate.

4. Prepare for Identity Verification

Because Capital One now manages the Kohl’s card, security is much tighter. If you call to cancel, the representative may send a secure link to your smartphone requiring you to upload a photo of your Driver’s License or Passport to verify your identity before they close the account.

Frequently Asked Questions (FAQs)

If this helped you, feel free to share it with someone who might be struggling with the same thing. Have tips or stories to add? We’d love to hear them.