Kohl's Credit Card

kohls card
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487 reviews   Write a Review
Info about the Kohl's Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

Kohl's Credit Card’s Rewards

up to 35% discount
Base Earn
periodic discounts
Max Earn
periodic discounts
Earn / Redeem Limit
  • Save 20% on your first purchase using your new Kohl’s Credit Card
  • Your Kohl's Charge entitles you to at least 12 special discounts of 30%, 20% or 15% every year. Some exclusions apply.
  • An additional 15% discount will arrive with your new card in the mail.
  • Spend $600 on your Kohl's Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year.

Kohl's Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
23.99% (V)

Kohl's Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX PENALTY APR   26.99% (V)
  • GRACE PERIOD   25 days
  • Combine your Kohl's Charge discounts with low sale prices and special offers, like Kohl's Cash®.
Apply Now
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Customer Questions and Answers

Don't see what you're looking for? Submit your question about Kohl's Credit Card to our community.

Has anyone else experienced a nightmare trying to get your credit in the form of a check back from over payment on a closed account? It's been nearly 6 months and 10+ phone calls and no one can seem to more

4 Votes 5 1

I fell behind on my kohls charge. spoke to a person who had me pay 47.30 for the last three months. My last pmt of 47.30 was Oct 4. On Oct 17 I paid 213.10 on my account and was more

0 Votes 7 7

I can not get application to go through. It keeps highlighting my phone number.

Photo of Card H.
Feb 1, 2015
If you call customer service, using the number mentioned in previous posts, you may get a solution to your problem.
-1 Votes 1
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Customer Reviews

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3.9 out of 5

487 reviews
Photo of Nicolette C.
Nov 20, 2015
Really the only positive thing about this card is the 30-40% off codes and free shipping codes for card members. The late fees are ridiculous. Also, I have had the issue where i scheduled a payment, which was never processed, and so I was charged a late fee. The customer service for Kohls is also horrendous. I'd only recommend this card if you shop at Kohl's regularly for the extra card member discounts.
Photo of Eric H.
Nov 14, 2015
I like that a 15% discount automatically arrives with the card. I also like that there doesn't appear to be any yearly membership fee. What I most certainly DON'T like is the 23.99% APR. That sort of thing used to be referred to as "highway robbery," where I come from. The "grace period" is nice but, honestly, nothing at Kohl's is nice enough to forfeit 24% for nothing over. I would avoid cards like these at all costs.
Photo of Rafael F.
Nov 11, 2015
There is a Kohl’s located really close by to my house and I often shop there during the weekends. They are a bit like Macy’s but with cheaper prices. One day, I finally decided to apply for a Kohl’s store card. The best thing about this card is you can actually get free shipping if you use the card online. Shipping can be super expensive especially since I sometimes buy kitchen appliances online to give away as gifts. This card definitely saved me money with the free shipping option. Kohl’s often has a lot of perks like Kohl’s cash and various coupons so it’s convenient to just use this card more
Photo of Becca M.
Nov 7, 2015
I've only had this card for a very short period of time. It is my first credit card & man all I have to say is I am in love. I get soooo many savings & so many stuff for cheap. I got a hoodie that was 60$ for only 16!!! Kohls is amazing with their discounts & kolhs cash & 5$ for every 100 points. To keep myself from going overboard I limit it to only using it a couple times a month mainly for birthday gifts, because with all the coupons I could literally shop all day. Lol Hope this builds my credit really good. Looking forward to more
Photo of Emma M.
Oct 27, 2015
DO NOT GET A KOHL'S CHARGE CARD...The website is ALWAYS down to make online payments... then when you go in the store to make a payment, they make you call and sit on hold forever.

Also, I overpaid $50 on my account and when I canceled the card, I had a $50 credit. I have called back over 10 times to check on the status of my check that has supposedly been distributed 4 times. It has been 5, nearly 6 months and I have still not yet received my check and each time I call back and speak with someone different, I never get an answer.... they just process more
Photo of Jennifer N.
Oct 15, 2015
I love the kohl's credit card. First of all, signing up for the Kohl's credit card means that you get access to great deals throughout the whole year including 30% off coupons delivered right to your house. Second, Kohl's credit credit enables you to shop and never have to worry about keeping the receipts in case you need to make a return. You simply go to the store and present your card and the item you wish to return. That is it! Plus, Kohl's has a return anything policy. No fuss, no hassle. Third, Kohl's price matches and will give you price adjustment on any item you purchase if you more
Photo of Shauna W.
Oct 13, 2015
I love my Kohls card! It has so many benefits. You get special coupons just because you are a card holder. Also if you buy something on the card, and then you find it for a lower price you can send an email to their customer service team, and they will give you a price adjustment! Their customer service is great to work with.
Photo of Amber H.
Sep 28, 2015
We have had nothing but problems with the Kohls credit card. At the register they frequently ask me if I want to use my card for an extra discount and we refuse just because it's such a pain. Multiple times we have tried to pay online and the website would not work. We went to one store and they gave us some excuse as to why they couldn't help us pay it, but they suggested going upstairs to use the phone and call in. We called in and they said they would charge another fee for us to pay over the phone! Later in the week we went to a more
Photo of Lynda C.
Sep 25, 2015
My Kohl's card is a staple in my family shopping. I find the online system easy to use. I can check balances and make payments easily. They send discounts most months and there seems to lots of times to earn Kohls cash. I would rather see a bigger discount or longer time to use those bucks as many times mine are wasted.
Photo of Angela J.
Sep 25, 2015
I have had my Kohl's charge card for a little over 3 years. It was the very first credit card I was approved for out of college. The spending limits are not very high, I started with $300, and in 3 years I am only up to $700 limit. In retrospect thought, that is probably a good thing because I love this store and could see my spending get out of hand very quickly! I only gave it 4 stars because if you ever find yourself needing to call their customer service line, you will experience long wait times and what sounds like an out of country representative. Overall, definitely a great starter card.
Photo of Sheila S.
Sep 11, 2015
I have had a Kohls Card for almost ten years now. I love this store. There prices are great and they have a great selection of clothes. I get discount coupons all the time and they even have an app where you can store your coupon codes on your phone instead of having to carry the coupon around. They also do offers quite regularly for cardholders where you can get free shipping online along with your discount. I really can not say enough good things about the store and the credit really helps you take advantage of the discounts there.
Photo of Danielle B.
Sep 8, 2015
The Kohl's Card seems like an okay card, if you like to shop there. It has a pretty high interest rate, like most other store credit cards do. I sometimes find it better to use a bank's credit card, rather than a store one, because you can usually get a lower interest rate. The discounts sound appealing, but for someone who does not have this card, they are quite confusing. It would be nice if there was more detail given on that. Also I like to know exactly what I am getting into with a credit card, and I did not see any information about whether or not it has more
Photo of Alicia B.
Sep 1, 2015
Good for a first store card, helps to build some credit a little bit, multiple ways to pay the bill, great discounts if you know how to stack and use them. BUT!!! I have several other cards that the credit limit grows with me. I have had them for two years they are just offering me an increase from 300-700, meanwhile my inital limit with walmart is 1400, v.s started out at 500, and is now at 1850, target is 500, jcpenny is 1500, it's very ridiculous! especially since recently their womens and plus size womens clothing has gone to the dogs. So theres less and less reason to have this card.
Photo of Shelby H.
Aug 16, 2015
I've had nothing but great experiences with this card. You can even pay it off right at the register, which is super convenient! They also send you coupons in the mail, which are for up to 30% off... with all the discounts you get throughout the year, this card is definitely worth it.
Photo of Lorraine T.
Aug 12, 2015
I love this card!!! I have had this card for about 5 years now. I have had no problems when using the card. Customer service is great. You get coupons twice a month and then if you a most valued customer you get even more savings. There are always things to buy in this store from clothes to shoes to kitchen items. The return policy is exceptional. Just wish I had more money to spend.
Photo of Kaila D.
Aug 6, 2015
Despite the mixed reviews on different sites, this is a GREAT card to have (If you love Kohl's, of course). you really do save more. Even if there isn't the best sales at the store, you're still guaranteed an extra 15% off with the other card that comes with your Kohl's card.
Photo of Anne F.
May 26, 2015
The discounts are very enticing and the reason why I own a Khohl's card. I do pay my credit cards on time so no worry about any additional unwanted charges. The late fees are what will be the worst part of owning a card so make sure you can pay on time, otherwise it will be disastrous. I do wish they would have auto payments though so we don't have to go through the inconvenience of setting it up every single month. The rest of the information about the card is not a lot of long winded worded pages of details. It is brought to you in plain and simple more
Photo of Joel S.
May 24, 2015
My wife and I have been using our Kohl's Credit Card for a couple years now. Every time we shop there, it seems that extra rewards or savings are passed on to us when we use the card to complete the transaction. This is especially important for a family on a budget. As card members, we get mailed special offers exclusively that are often taken advantage of because of the value being offered for products we need to buy anyway. They are even able to access your card if you are at their store and you forget to bring it.

The interest rates and terms are about the same as any more
Photo of Kristen S.
May 18, 2015
If you are going to have any store credit card, Kohl's is the one if you shop there. No annual fee, and you get 12 discounts a year. Each month you receive a coupon for 15, 20 or 30% ANY (including sale and clearance merchandise) purchase you put on the card. You also get additional sales notifications, offers to earn Kohl's cash and many other perks. They don't come with 'annoying' frequency and I make use of nearly every coupon and discount they send me. The website is very user-friendly to pay bills online and I've never had a problem with any transactions from purchases, to adjustments to refunds.
Photo of Martha F.
May 6, 2015
I found the information about the Kohls card to be easy to understand and right out in the open. The rates for this card are reasonable and in some cases less than other store cards out there. The only thing I would like to see right out front with the rest of the information is can you pay your bill online? In this day and age it could be assumed you could but to have it as a selling point would encourage me to use my card more often. Kohls discounts are excellent values and I like to shop there. This store card and it's benefits are better and more more
Photo of Christie B.
May 1, 2015
I've had a Kohl's Card for 8 years and it has its ups and downs! I like the discounts I get in the mail about once a month. Also if you don't miss payments the interest isn't too terribly bad for a store credit card. But miss one payment and it sky rockets. Also they don't have automatic payments so you have to set up payments every month.
Photo of Lisa M.
Apr 29, 2015
I love my Kohl's Credit Card. I have been a Kohl's member for many years, it is my favorite store!! I have never had any issues with the payments, they always go through smoothly. I always pay in full and on time so I never had the hassle of late payment fees. I like that they do have a cap of $35.00 for late payment fees. This way it does not just keep on accumulating if for any reason you cannot make your payment on time. That is much different that the other credit cards that I own. I also really enjoy receiving a percentage off every so often. I more
Photo of Tess R.
Apr 28, 2015
I LOVE my Kohl's card. It's like any other credit card - you have to be careful about charging too much, or it can be really hard to open that envelope at the end of the month. BUT, if you're smart, you can save a LOT of money using this card. There are incredible discounts/coupons. I'm completely spoiled - I only shop at Kohl's now if I can get at least 30% off ON TOP of the whatever normal sales are going on. It works at www.kohls.com, too, so I can shop at home and try things on without even going to the store. (Some days it's just impossible with more
Photo of April G.
Apr 24, 2015
The Kohls card is AWESOME! You get special discounts when using your credit card that you wouldnt get without it up to 12 times a year. The convenience is amazing, I love using my card when shopping online for gifts and for me. The interest rate is comparable to other cards. First time users get a discount on the first purchase too. Its a great card, coupons and discounts galore. Its a must have! I have a few store cards and Kohls is my favorite because of the deep discounts you can get.
Photo of Natosha T.
Apr 21, 2015
Compared to other cards I have had in the past the Kohls Store card is really good. I like the fact that they send out a 15% discount with the card in the mail which is pretty good. And I like that the discounts they offer for cardholders, up to 30%, can be used on already discounted merchandise in the stores. That is a lot of savings. However, the APR is fairly high at 23.99% and I would likely only use if I was planning on paying off the balance every month.
Photo of Kacy M.
Apr 15, 2015
I think the Kohls card is one of best store cards out there. They send out 30% off savings passes to card members frequently, which can even be used for clearance items for really good deals. The interest rate is high, but if you pay off your balance every month this card can give you some awesome savings.
Photo of Jordan C.
Apr 2, 2015
Our family has a Kohl's card and we like it a lot. We love that the discounts are more frequent than most store cards. We also love the Kohl's cash! The fact that they can be combined has saved us so much money on our purchases. The Kohl's card has way better features than other store cards I have seen- our Dillard's card does not offer discounts or store credit for purchases. As other reviewers have mentioned, it does have a high interest rate, but most store cards do; the rate is right in line with our Dillard's and Tj Maxx cards. We always pay our balance off every month more
Photo of Marissa M.
Mar 24, 2015
I am a Kohl's charge card customer and I love it! I like that this Kohls Charge Account gives me extra deals and percentage off. Kohls as a store seems to always have sales, so this coupled with the added percentage off from using the charge card really allows me to stay within my budget. I also like the option to pay off my charge right away in the store. This way I can get the deals without having to pay any extra money for them. Overall I recommend the card but only if you are diligent with paying it off due to the high interest rate.
Photo of Deloris L.
Mar 18, 2015
The Kohl's credit card seems to have a very high APR rate. This definitely would be deterrence to my applying for the card. If I am going to get a store card that means I will be a regular shopper at that store which to me equates to a better rate. However, when I consider the credit rewards they could possibly make up for the high interest rate.
Photo of Alissa K.
Mar 10, 2015
I applied for the Kohl's credit card this past year with the 15% off incentive that they offer when approved. I had heard really great things about this card, how they offer either 15%, 20% or 30% off coupons in the mail every-so-often. Kohl's offers a large variety in terms of what they sell, and their credit card does about that. For me, the coupons that are sent out regularly are what keep me satisfied with my Kohl's credit card, but I think more people would be enticed to apply for this card if they offered cash coupons after spending a certain amount, sort of like their Yes2You Rewards, but more
Photo of Jackie F.
Mar 3, 2015
I got the Kohl's Credit Card this past year. I do alot of shopping with this store and was recommended this through their customer service which by the way is excellent I must say. You can make purchases, pay your monthly bill in full which also helps your credit rating as well. If you like shopping with Kohl's as much as I do. Apply today and get this awesome credit card. I even got a 30% discount for online shopping during the holidays. With the economy as it is, if you can save and get rewarded too, thats a blessing. I actually saved hundreds just this year alone after having more
Photo of Ashley D.
Feb 24, 2015
I got a Kohls credit card about 5 years ago. I love Kohls and think the card has great perks and benefits that go with it. However I was pressured into signing up for this card and was not aware that when being approved they would automatically charge your purchase to the card, and then rack up interest. I was 17 and the payments became too much. They were great about helping me with payments and getting this card paid off which I know most card companies will not do, but now they are calling me again (2-3 years later) and telling me I never paid off my debt even more
Photo of Adriane L.
Feb 24, 2015
I really enjoy my khols card! I have had a card with khols for a little over three years now. The thing that i enjoy most is that even if you don't have your card on you, khols can still look you up, so any deals that are going on that day you won't miss out even when you forget your card ! Overal I am very impressed!
Photo of Jessica R.
Feb 24, 2015
I have had a Koh'ls Credit Card for a couple of years now. It is really convenient for when you need some last minute clothing items or appliances and don't have a ton of money to spend. it allows you to charge the item and as long as you pay it back within the next billing cycle, or make over the minimum payments, you won't have to worry about the high APR. Occasionally they have 15-30% off items when you use your Kohls Charge as well, so that is convenient!
Photo of Britt L.
Feb 20, 2015
I love my kohls card! I like paying off my credit cards right away, and having the option to pay at the register with a check towards my balance. It's easy to use, and if you forget your card, they can just look it up via social security number. On top of that you get perks and save cash by having the card. I love it!
Photo of Meredith S.
Feb 16, 2015
The Kohl's Credit Card is convenient to use when you need to purchase clothing or items and don't have the current funds to do so. However the APR on this card is extremely high, so I would recommend using a card with a lower APR if possible. The card allows you to gain an additional 15%, 20% or 30% if you have a coupon, but Kohl's prices tend to be higher than other stores, so really the % you're saving is minimal. You can combine the discount with Kohl's Cash, but the Kohl's Cash is really just a way to guarantee you return to the store to spend more because more
Photo of Sandy M.
Feb 9, 2015
I am impressed with how understanding this company is. Just before Christmas I was unable to make 2 payments. They sent me an e-mail stating that they will match my payment up to $50 if I called them and paid by phone. I did that and they matched, which basically took care of the late charges. They didn't have to do it and may have done this for me if I had just asked, but I commend them for coming forth with the idea and following through. Thank you.
Photo of Brandon S.
Feb 3, 2015
We love our Khol's credit card! This card is great for new clothes for our kids, as well as shopping for new household goods. Now, you could always use any card at a khol's, but we like the fact that you get special rewards to use for future purchases. Another reason is the fact that the location is close to our home so shopping there is a great convenience.
Photo of Liz M.
Jan 14, 2015
I love my Kohl's credit card. It was right around Christmas time and I needed an increase in credit, I called and right away was approved for $300 more instantly. I also love how you get all kinds of discounts when you use your Kohl's card and coupons and sale information they send. the interest rate is also reasonable as far as retailers go. I would highly recommend applying for a Kohl's. It is my favorite card.
Photo of Anna B.
Jan 12, 2015
I worked for Kohls and had to sign people up for the Kohls Charge. It is a **terrible** card. Whenever Kohls Charge users have a special discount promotion or the applicant discount was 20% or 30%, the prices of 85% of the store merchandise and most popular items and departments were racked up. I know this for a fact because I've applied the markups and they've told me why we were marking them up.
I always felt terrible asking people to apply. I solicit the TJX Rewards Credit Card, and at least I feel good about doing that -- TJX corporation doesn't cheat customers, and Kohls and the Kohls charge does.
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Last updated on: Nov 20th, 2015 at 9:00 EST

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