Go to website

1. Visit Kohl’s Website. Visit the Kohl’s and Capital One co-joined website and navigate to the credit card section. Look for the Kohl’s Rewards® Visa application page.

2. Complete the Application. Fill out the application form with the gathered information. Ensure all details are accurate and complete to avoid delays in processing.

3. Review Terms and Conditions. Carefully read the terms and conditions of the Kohl’s Rewards® Visa, including the interest rates, fees, and rewards program details. Understand the high APR and the potential interest charges if the balance is not paid in full by the due date.

4. Submit the Application. Submit your application online. You may receive an instant decision. In some cases, additional information may be required, and the decision may take longer.

5. Wait for Approval. If approved, you will receive your new Kohl’s card in the mail. This card will come with a new card number, expiration date, and security code. Ensure you activate your new card as soon as you receive it.

6. Activate Your Card. Activate your Kohl’s Rewards® Visa by calling the provided number, using the Capital One Mobile app, or online at Kohl's website. Once activated, you can start using your card to make purchases and earn rewards.

7. Manage Your Account. Set up your online account with Capital One to manage your Kohl’s Rewards® Visa. This will allow you to track your rewards, make payments, and update settings such as AutoPay and paperless statements.

Go to AppStore

Go to Google Play

1. Log In or Register. Open the Capital One mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.

2. Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.

3. Find Kohl’s Rewards® Visa Card. Look for the Kohl’s Rewards® Visa Credit Card among the available options. Tap on the card to view more details.

4. Start Application. Locate the option to apply for the Kohl’s Rewards® Visa Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.

5. Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.

6. Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.

7. Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.

8. Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your Kohl’s Rewards® Visa Credit Card will be mailed to the address provided during the application process.

1. Visit a Kohl’s Store. Locate the nearest Kohl’s store by using the store locator on the Kohl’s website or mobile app.

2. Speak to a Store Associate. Upon arriving at the store, approach a customer service desk or a cashier and express your interest in applying for the Kohl’s Rewards® Visa card. The store associate will provide you with the necessary application form and assist you throughout the process.

3. Complete the Application Form. Fill out the application form with the required personal, employment, and financial information. Ensure all details are accurate and complete to avoid any delays in processing.

4. Review Terms and Conditions. Carefully read the terms and conditions provided with the application form. Understand the interest rates, fees, and rewards program details, including the high APR and potential interest charges if the balance is not paid in full by the due date.

5. Submit the Application. Once the application form is completed, submit it to the store associate. The associate may be able to provide you with an instant decision on your application. In some cases, additional information may be required, and the decision may take longer.

6. Wait for Approval. If your application is approved, you will receive your new Kohl’s Rewards® Visa card in the mail. The card will come with a new card number, expiration date, and security code. The store associate may provide a temporary shopping pass or code that allows you to make immediate purchases while you wait for your physical card to arrive.

7. Activate Your Card. Once you receive your new card, activate it by calling the provided number, using the Capital One Mobile app, or online at Kohl's credit card website. Follow the prompts to complete the activation process.

1. Age Requirement. Applicants must be at least 18 years old. In Alabama and Nebraska, the minimum age is 19. In Puerto Rico, the minimum age is 21.

2. Residency. Applicants must have a valid permanent home address within the 50 United States, the District of Columbia, Guam, Puerto Rico, or the U.S. Virgin Islands. Military personnel with a U.S. military address are also eligible.

3. Credit Score. A good to excellent credit score (typically 670 or higher) is recommended for approval. Applicants with a lower credit score may have difficulty getting approved.

4. Income. Applicants should have a stable source of income. Proof of income may be required to assess the ability to manage credit responsibly.

5. Existing Debt. Information about existing credit accounts and monthly payments may be required.

6. Military Lending Act Compliance. Active duty military members and their dependents are subject to additional federal protections under the Military Lending Act.

1. Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.

2. Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.

3. High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.

4. Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.

5. Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.

6. Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.

1. Access Your Account. Sign in to your Capital One online banking account or mobile app to access your credit card information.

2. Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.

3. Choose a Payment Method. Determine how you wish to proceed with your payment. Capital One provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.

4. Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.

5. Mobile Payment. Alternatively, you can utilize the Capital One mobile banking app to complete a payment. Choose your Kohl’s Rewards® Visa credit card account and follow the prompts to finalize the payment process.

6. In-Person Payment. For those preferring in-person transactions, visit a Capital One financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.

7. Phone Payment. To make a payment over the phone, dial the Capital One customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.

8. Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your Kohl’s Rewards® Visa credit card account number on the check or money order and allow adequate time for delivery.

9. Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your Kohl’s Rewards® Visa credit card debt.