Credit Cards » Compare Credit Cards » Kohl’s Charge Card by Capital One vs. JCPenney Credit Card: How They Compare?
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Kohl’s Charge Card by Capital One vs. JCPenney Credit Card: How They Compare?

The Kohl's card cashback rate is higher than JCPenney, and both cards offer extra perks such as gifts, exclusive offers, and special coupons.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.

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Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update: February 6, 2024
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.

See full bio
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update:February 6, 2024

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Kohl's Charge Card by Capital One and the JCPenney Credit Card are both retail credit cards that offer exclusive benefits to loyal shoppers. Let's compare them side by side:

General Comparison

Kohl's offers a co-branded credit card in partnership with Capital One – the Kohl's Card. Kohl's Cardholders can participate in the Kohl's Rewards program, earning 7.5% in Kohl's Cash. Additionally, it grants access to exclusive savings, including introductory discounts and periodic Kohl's coupons.

For spenders reaching $600 in a calendar year, the Most Valued Customer status brings additional perks, including exclusive savings and periodic free shipping.

In contrast, JCPenney, a store known for being budget-friendly, has a credit card that might interest people looking for affordable and stylish choices. The JCPenney credit card, given out by Synchrony Bank, gives discounts and special financing choices, making it good for regular needs and family shopping.

jcpenney credit card

Kohl's Capital One Credit Card
JCPenney Credit Card
Kohl’s Charge Card
Annual Fee
$0
$0
Rewards
1 point for every dollar at JCPenney, 200 points worth $10 -> $10 per $200 spend on JCPenney = 5% back
7.5% cash back on Kohl’s purchases
Welcome bonus
Extra 5% – 35% off on selected merchants in the first purchase on the same day the card has been opened
35% off on the first Kohl’s Card purchase you make within 14 days of opening your Kohl’s Card
Foreign Transaction Fee
3%
N/A
Purchase APR
30.24%
31.24% variable
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold
Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards
Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review
Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Kohl vs. JCPenney Cashback Analysis: Which Card Wins?

Neither of these cards accrues points for purchases made outside of their respective brand stores. Our analysis indicates that the Kohl's card emerges as the superior choice, boasting a more favorable cashback rate compared to the JCPenney card.

jcpenney credit card

Kohl's Capital One Credit Card
Spend Per Category
JCPenney Credit Card
Kohl’s Charge Card
$15,000 – U.S Supermarkets
/
/
$5,000 – JCPenney/Kohl
5,000 points
$375
$5,000 – Restaurants
/
/
$4,000 – Travel
/
/
/
/
Total Points / Cashback
5,000 points
$375
Estimated Redemption Value
1 point ~ 5 cents
/
Estimated Annual Value
$250
$375

Additional Shopping Benefits: Comparison

Both cards provide supplementary shopping advantages, including complimentary shipping and entry to sales events. Below is a breakdown of the specific benefits offered by each card:

JCPenney Credit Card

jcpenney credit card

  • Birthday Gift: JCPenney Credit Card holders receive a special gift to celebrate their birthdays.
  • Special Savings Days: Cardholders enjoy exclusive savings on designated days throughout the year.
  • Special Financing: The credit card offers special financing options for certain purchases.
  • Passbook of Coupons: Members receive a passbook containing coupons for additional discounts.
  • Unique Offers for Top Members: Exclusive offers and benefits are provided to the top-tier members of the JCPenney Credit Card program.
Kohl’s Charge Card by Capital One

Kohl's Capital One Credit Card

  • Monthly Exclusive Savings Offers: Access special discounts and offers available exclusively to Kohl's Credit Card holders on a monthly basis.

  • Annual Anniversary Offer: Celebrate your loyalty with a special anniversary offer provided each year as a token of appreciation.

  • Exclusive Cardholder Discounts: Enjoy discounts that are specifically tailored for Kohl's Credit Card holders, providing additional savings during your shopping experiences.

  • Combine Discounts with Kohl's Cash and Rewards: Maximize your savings by combining Kohl's Card discounts with earned Kohl's Cash and Rewards, enhancing the overall value of your purchases.

  • Pre-Qualification Check Without a Hard Credit Pull: Determine your eligibility for the Kohl's Credit Card without impacting your credit score through a pre-qualification check.

  • Kohl's Card Sales Events: Gain access to exclusive sales events specifically for Kohl's Credit Card holders, offering additional opportunities to save on a variety of products.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold
Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards
Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review
Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare The Alternatives

If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:

Citi-costco-anywhere-visa-credit-card review

Apple card

Sam's Club® Mastercard®
Costco Anywhere Visa® Card by Citi
Apple Credit Card
Sam's Club® Mastercard®
Annual Fee
$0 ($60 Costco membership fee required)
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
1% – 3% 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
None None
N/A
None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
Foreign Transaction Fee
$0
$0
N/A
Purchase APR
20.49% (Variable)
15.99% – 26.99% Variable
20.40% or 28.40% Variable
Read Review
Learn More
Read Review
Learn More
Read Review
Learn More

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?

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?

Compare JCPenney Credit Card

Since JCPenney Credit Card offers rewards only on its brand store, the Nordstrom Credit Card takes the lead with higher annual cashback value.

Nordstrom vs. JCPenney Credit Card: Which Gives You The Most Value?

The Macy's Credit Card is a clear winner with higher points rewards ratio and overall cashback value for the same spend than JCPenney Card.

Macy’s vs. JCPenney Credit Card: Which Gives You The Most Value?

The target RedCard is our clear winner, with a higher cash-back rate and estimated annual value. Here's what you can get with each card.

JCPenney Credit Card vs Target Red Card: How They Compare?

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.

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The Smart Investor (this website) is an independent financial website. The product offers that appear on this site are from companies from which this website may receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Smart Investor does not include all companies or all offers available in the marketplace and cannot guarantee that any information provided is complete.

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