Kohl's Card SCRA: Capital One Issues It, So the Cap Can Be 4%

Your Kohl’s card is a Capital One card. Both versions, the Kohl’s Credit Card that works only at Kohl’s and the Kohl’s Rewards Visa that works anywhere, are issued by Capital One, N.A., according to the agreements Capital One filed with the CFPB for the second quarter of 2026. That matters because Capital One runs one of the better SCRA programs: its military page, read November 5, 2026, promises “no more than 4% interest” on eligible accounts it owns and services, two points under the 6% the SCRA requires, and “no fees assessed on accounts, except bona-fide insurance.”

People often guess the wrong bank. Many store cards are Synchrony cards (Amazon, Lowe’s, Sam’s Club), and some are Citi or TD cards (Macy’s, Target). A letter to the wrong bank does not count as notice to Capital One, and the clock keeps running.

What the cap is worth at 29.49%

Capital One’s pricing for both Kohl’s cards, offers as of June 30, 2026: a 29.49% purchase APR (prime plus 22.74%), no annual fee, and a late payment fee of up to $40. The Rewards Visa also charges 29.49% on balance transfers and cash advances, with a cash advance fee of $5 or 5%, whichever is greater.

Illustration: simple interest on a balance left unchanged for a year. Capital One uses an average daily balance that includes the prior day’s interest, so actual charges run a little higher. Your own numbers go in the savings calculator.

Your rate on the account you hold may differ from the new-account pricing above, so check your statement. The cap applies whatever the rate is.

Will the Kohl’s card get 4% or 6%?

Capital One’s 4% covers “eligible loans both owned and serviced by Capital One.” Its footnote sends two groups to the statutory 6%: loans owned and serviced by Fannie Mae, Freddie Mac or other private investors, and loans Capital One owns but a third party services. The footnote mainly matters for auto and home loans. The Kohl’s card is issued by Capital One and managed in the Capital One app, and Capital One’s form says it reviews “all of your Capital One and Discover accounts.”

What the page does not do is name partner cards. Nothing we read says a store card is excluded, and nothing says it is included. So put the Kohl’s account in your request by name, and read the decision letter for the rate. If it says 6%, you are still getting what the law guarantees. If it says anything above 6% on a pre-service balance, that is a violation, and the enforcement guide covers your next steps.

How to file with Capital One

Capital One’s Request SCRA Benefits page, read November 5, 2026, lists three routes: the online form, mail, or any Capital One or Discover branch, which forwards the request. Kohl’s stores are not on that list.

Cap your Kohl's card balance through Capital One

1. Confirm the Kohl’s account was opened before your active-duty start date (for a Reserve or Guard member, before your “order to” date). The eligibility checker settles close calls.
2. Update the mailing address on the account first. Capital One says a retroactive adjustment may arrive as a paper check sent to the address on file.
3. File the online form at capitalone.com/military, or mail a signed request to Capital One, Attn: SCRA Request, P.O. Box 30285, Salt Lake City, UT 84130-0285. A spouse or dependent filing for you must use mail or a branch; the online form is for the servicemember.
4. With a mailed request, include your orders or a commanding officer’s letter on official letterhead showing your name and Social Security number, active duty start date and branch. Capital One asks you not to send a military or government ID. The letter generator drafts the cover letter.
5. Watch for the decision letter within two monthly billing cycles. Questions go to the 24/7 military line, 1-855-227-1645.
6. On the next statement, confirm the lower rate and that no late fee posted. Keep paying on time: Capital One says it still reports payment history.

Capital One’s rules that beat the statute

A year to ask. The statute gives you 180 days after leaving service to send notice, under § 3937(b)(1). Capital One’s FAQ says it generally declines a request when “the active duty period ended more than one year before benefits were requested,” so a request made within a year of leaving is inside its policy. Send it within 180 days anyway, so you are covered by the law and not only by policy.

A year of relief after you leave. For a card, the statute’s cap ends when your service ends; only mortgages get the extra year. Capital One says its benefits “will remain on your account until one year after leaving or completing active duty,” and that it sends a letter at least 45 days before they end.

Retroactive to your start date. Capital One makes benefits retroactive to your active-duty start date, or your “order to” date for reservists, which matches § 3937(b)(2). The refund calculator checks the credit against what you paid.

The same FAQ lists the three usual reasons for a decline: the account was opened after your active-duty start date, your service ended more than a year before you asked, or the account was paid off or settled before your service began.

Opened the card while serving, or holding other cards

A Kohl’s account opened during active duty is not a pre-service debt, so the SCRA cap does not reach it; the Military Lending Act and its 36% Military APR limit apply instead. Neither Kohl’s agreement has a military section, and Capital One’s military page does not address the MLA. If you hold other Capital One or Discover cards, the same request covers them; the Capital One SCRA page covers the rest of the program, and the credit card guide walks through every other store card by issuer.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute , or read § 3937 in plain English, with its enforcement record .