Rewards Plan
Welcome Bonus
Credit Rating
0% Intro
Annual Fee
APR
- Exclusive Discounts and Sales
- MVC Status
- Limited Acceptance
- High APR
Rewards Plan
7.5% cash back on Kohl’s purchases
Welcome Bonus
35% off on the first Kohl’s Card purchase you make within 14 days of opening your Kohl’s Card
0% Intro
PROS
- Exclusive Discounts and Sales
- MVC Status
CONS
- Limited Acceptance
- High APR
APR
31.24% variable
Annual Fee
$0
Balance Transfer Fee
N/A
Credit Requirements
Fair - Good
As with most charge cards, the Kohl’s Charge Card is quite limited. While it is backed by Capital One, it isn’t part of the Visa or Mastercard network, which means it can only be used with Kohl’s. Although this may limit the temptation to run up a bill, if you do carry a balance, you will get hit with some hefty interest charges.
The cash back rewards with this card are pretty good, though they’re only slightly higher than what you’d get through Kohl’s regular loyalty program and promotions. So, unless you’re really loyal to Kohl’s and confident you can pay off your balance in full each month, it might be worth looking at other credit cards that offer higher rewards potential.
- Exclusive Discounts and Sales
- Receipt Free Returns
- Mobile App Options
- MVC Status
- Stack with Kohl’s Cash
- High APR
- Limited Acceptance
- Need to Combine
Can I get pre-approved?
Yes, the Kohl’s website does offer the option to check if you’re pre approved for this charge card. This means that you can check if you qualify without any impact to your credit score.
How do I redeem rewards?
The rewards that you earn with the Kohl’s Charge Card are part of the brand’s reward program. They will automatically be converted into Kohl’s Cash that you can use towards your Kohl’s purchases.
The rewards are converted on the first of each month in $5 increments for the rewards you earned in the previous months. You should receive an email containing your Kohl’s Cash rewards, but you can manage your rewards through the Kohl’s app.
How hard is it to get a Kohl’s Charge Card?
You only need fair credit to qualify for the Kohl’s charge card and you can check if you pre qualify via the Kohl’s website. This means that if you are worried that you may have difficulty getting the card, you can check without any impact to your credit.
In this Review
Pros and Cons
Just like any other credit card, the Kohl's credit card has some advantages and disadvantages:
Pros | Cons |
|---|---|
Exclusive Discounts and Sales | High APR |
Receipt Free Returns | Limited Acceptance |
Mobile App Options | |
MVC Status | |
Stack with Kohl’s Cash |
- Exclusive Discounts and Sales
As a cardmember, you can enjoy access to exclusive sales throughout the year and monthly discounts.
You will also receive a special offer each year when you reach your card anniversary.
- Receipt Free Returns
When you use your card to make purchases at Kohl’s, you don’t need to worry about remembering where you put the receipt if you need to make a return. The Kohl’s team can process any returns receipt free.
- Mobile App Options
Kohl’s has a mobile app which allows you to manage your credit card account and pay your bills for additional convenience. You can also connect to the Kohl’s Pay platform, which offers mobile payment options.
- MVC Status
You will gain MVC or Most Valued Customer status when you spend at least $600 per year with your Kohl’s Charge Card. This provides several benefits including a gift each year on your birthday and free shipping.
- Stack with Kohl’s Cash
You can combine the exclusive discounts and offers provided with your Kohl’s Charge Card with Kohl’s Cash. This provides even greater rewards and more ways to save on your Kohl’s purchases for even greater value.
- High APR
As with many store charge cards, the APR for the Kohl’s Charge Card is quite high. The APR is significantly higher than with regular credit cards, so you’ll be hit with bigger interest fees if you carry a balance.
If you don’t tend to pay your bill in full each month, you may be better with a card offering a promotional rate.
- Limited Acceptance
This is a charge card that does not belong to the major credit card networks such as Mastercard or Visa.
This does mean that it is limited to use at Kohl’s or when you’re purchasing items on the Kohl’s website.
Sign Up for
Our Newsletter
and special member-only perks.
Sign Up for
Our Newsletter
and special member-only perks.
Who is the Kohl’s Charge Card Best For?
This Kohl’s charge card is a great fit for shoppers who are loyal to the brand and already use the Kohl’s loyalty program. With this card, you can enjoy an immediate 50% boost in rewards and stack it with other promotions to maximize your savings.
The card could also be a good option for those who want to get rewards for shopping at Kohl’s, but don’t want the temptation of a credit card that can be used anywhere. Since this card can only be used at Kohl’s and on Kohl’s website, you can’t run up a bill with other spending. Just be sure to clear the bill each month, as the APR is quite steep.
If you are looking for an alternative co-branded, clothing store card – here are some options:
Card | Rewards | Bonus | Annual Fee | |
|---|---|---|---|---|
| 30X – 40X
15 points Instant for cardmembers. 30 points per dollar spent at American Eagle, 20 points if you spend more than $350 annually | 30% off your first order | $0 | |
| 2X – 5X
spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else
| 30% discount
30% discount on Macy's on the day you are approved and the following day, up to $100
| $0 | |
| 1% – 5%
5% back on Sears + 5% eligible gasoline purchases, 3% back on grocery stores and restaurants (limited to the first $10,000 of qualifying payments, then 1% thereafter), plus 2% back when used at eligible merchants such as Sears or Kmart, and 1% on all other purchases
| None | $0 | |
| 1X – 5X
5 points for every dollar spent at Banana Republic, Gap, Athleta and Old Navy. 1 point per dollar on all other purchases | 20% off your first order
20% off your first order at Banana Republic
| $0 | |
| 5%
1 point for every dollar at JCPenney, 200 points worth $10 -> $10 per $200 spend on JCPenney = 5% back
| Extra 5% – 35% off
Extra 5% – 35% off on selected merchants in the first purchase on the same day the card has been opened
| $0 | |
| 1% – 5%
5% (10 points) back in rewards at Victoria Secret or PINK, 2% (4 points) on dining, travel and streaming services and 1% (2 points) on all other purchases
| $30
$30 when you spend $500+ outside VS & PINK within 90 days of account opening
| $0 | |
| 1x – 2x
2X points per dollar spent at Nordstrom and its brands, including Nordstrom Rack, and 1X points on all other purchases
| $60
$60 bonus note if you make any purchase at Nordstrom or Nordstrom.com on the day your card is approved.
| $0 |
How To Maximize The Kohl’s Charge Card
As a store credit card, there are some ways to make the most of this card:
-
Try To Spend Over $600 Per Year
$600 per year is only an average of $50 per month, but it qualifies you for Most Valued Customer status. This not only provides a gift for your birthday, but you can also enjoy free shipping on your orders.
-
Use Your Card For All Kohl’s Purchases
Even if you’re only popping into Kohl’s for a small item, it is still worth using your card, as you can access receipt free returns. This means that you don’t need to carry all those receipts just in case there is a problem with your purchase.
-
Time Your Purchases
If you’re planning on a larger spending day, try to time your purchases. As a cardholder, you can access monthly discounts and a special offer on your card anniversary. This could represent significant savings on your larger purchase days.
FAQs
What are card income requirements?
There are no official income requirements for this card. While your income will be assessed, it is not the only factor that will be considered when your application is being evaluated for an approval decision.
When it may not be a good idea?
This card is not a good idea if you tend to carry a balance on your card or you don’t regularly shop with Kohl’s. In these circumstances, you would be better suited to a general rewards card that has an introductory low APR for new cardholders.
Does the card provide travel insurance?
Unfortunately, the Kohl’s Charge Card does not offer any types of travel insurance coverage as part of its benefits package.
Top Offers
Top Offers From Our Partners
Top Offers
Compare Kohl’s Charge Card by Capital One
Kohl's card wins on retail brand cashback, offering higher value than Nordstrom. But Nordstrom also offers points on other categories.
Nordstrom Credit Card vs Kohl’s Charge Card by Capital One: Which Shopping Card Is Best?
The Kohl's card cashback rate is higher than JCPenney, and both cards offer extra perks such as gifts, exclusive offers, and special coupons.
Kohl’s Charge Card by Capital One vs. JCPenney Credit Card: How They Compare?
Unlike Kohl's card, the Macy's Credit Card offers points rewards on all categories, making it more attractive for the average consumer.
Macy's Credit Card vs Kohl's Charge Card by Capital One: Which One Wins?
