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

To close a Kohl’s Card or Kohl’s Rewards Visa, sign in at kohls.capitalone.com and choose I want to > Control Your Card > Close Account, or call Kohl’s Card customer service at 844-463-7013, which Kohl’s lists as available 24 hours a day, 7 days a week. Both cards are issued by Capital One, N.A., so the account is managed through Capital One.

The steps are the same for the Kohl’s Credit Card (usable only at Kohl’s) and the Kohl’s Rewards Visa. Closing the card doesn’t close your Kohl’s Rewards account, but your earn rate drops from 7.5% to the standard 5%.

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 choose I want to > Control Your Card > Close Account (not every card can be closed online).
• Balance: You can close with a balance, but you must still pay it down to $0.
• In-Store: Kohl’s doesn’t list an in-store closing option; it sends Kohl’s Card questions to Capital One’s phone line and online account.

How To Cancel Kohl’s Credit Card Online?

If you want to avoid waiting on hold, the easiest way to close your account is through the Capital One online portal.

Note: Capital One says not every card can be closed online. If you don’t see Close Account, call 844-463-7013 or the number on the back of your card.

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: Follow the prompts to identify your account and ask for a representative.
3. Request Cancellation: Tell the representative you want to permanently close your account.
4. Verify Your Identity: Answer the representative’s security questions; have your card and the personal details on the account ready.
5. Request Confirmation: Ask for written confirmation that the account is closed, and confirm any remaining balance and how to pay it.
6. Destroy the Card: Once confirmed, cut up your physical store card or Kohl’s Visa to prevent fraud.

What About Just Not Using the Card?

Some people pay the card off and stop using it instead of closing it.

Neither Kohl’s nor Capital One publishes an inactivity period for the Kohl’s Card, so you can’t count on the account closing by itself or know when it would. If you want the account closed, doing it yourself online or by phone is the predictable route.

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

Capital One lets you close an account that still has a balance, but you’re required to keep paying until it reaches zero. Paying it to $0.00 first is the simplest route. 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

Expect to verify your identity before the account is closed. Have your card, the account holder’s details and access to the phone number and email on the account ready, especially if you call.

Frequently Asked Questions (FAQs)

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