Kohl's Store Card

kohls store card
Required Credit Score: Excellent, Good, Fair
4 367 reviews   Write a Review!
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Existing Cardholders
 
 
 

Kohl's Store Card’s Rewards

Bonus
up to 35% discount
Base Earn
periodic discounts
Max Earn
periodic discounts
Earn / Redeem Limit
No
  • Save 20% on your next order when you apply for a Kohl’s Charge Account.
  • 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.

Kohl's Store Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
23.99% (V)
  • ANNUAL FEE None

Kohl's Store Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   N/A
  • MAX PENALTY APR   26.99% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE RATE N/A
  • CASH ADVANCE FEE N/A
  • FOREIGN TRANSACTION
    FEE  
    N/A
  • Combine your Kohl's Charge discounts with our incredible sale prices and special offers, like Kohl's Cash®.
Apply Now
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Kohl's Store Card Reviews

 
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1 2 3 4 5
 
4.0
Overall Rating: 4.0 / 5
Total Ratings: 367
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Oct 21, 2014
Photo of Amanda M.
5
By:
The Kohl’s store card provides nothing but perks for its users! I have enjoyed benefit on top of benefit for using the card when I shop at Kohl’s. I am especially a fan of the wonderful discounts card holders receive throughout the year. Not only do they offer excellent savings, but they also allow you to use multiple discounts and coupons at the store, which is especially great when shopping on a budget. Even if something is already on sale or clearance, 9 times out of 10 they allow you to use your coupon to save additional money which makes your purchase that much better! I would highly recommend the more
Oct 13, 2014
Photo of Emily D.
5
By:
Such great perks for being a Kohl's cardholder. I regularly get 30% off and other coupons sent to me, exclusive notifications on sales etc. Easy pay options include in store and online. I think kohls has great deal anyway, with this card, the deals get even better. If you are going to have one store card, this is definitely the one to get. I pay my card off regularly so the high interest rates don' bother me. Their customer service is great if you ever have an issue.
Oct 10, 2014
Photo of Dorothy L.
4
By:
The Kohl"s card is a great card to have but only if you stay on top of all the promotions and sales that you have to have the card to get. With the card you get at least 12 percentages discounts a year which are either 15, 20, or 30%. They also have Kohl;s cash at various times which is always nice. They do however have a high interest rate so unless you pay your charges off quickly you are not saving. If you pay them off each month you can save a lot. You have to have a card to take advantage of most of the store promotions so more
Oct 3, 2014
Photo of Rebecca D.
3
By:
I have used my Kohl's card a few times. Mostly when there is a special for using the Kohl's card such as extra rewards. I like the fact that they do the Kohl's cash and send it to me in a gift certificate. I do not, however, like that they expire so quickly. Most of the time I don't have the chance to go to Kohl's, or I don't need anything from there at that current point in time and then they expire. My credit limit is acceptable but the interest rate is really high. I would rather pay in cash...
Oct 3, 2014
Photo of Marissa M.
3
By:
The Kohl's credit card may be a good deal if you are a frequent shopper at the store. The major downside is the extremely high interest rate, which is pretty common among most retail store credit cards anyway. You automatically save 15% when you sign up, which is always good. And the various deals and discounts throughout the year is also a plus. It would be nice if there were some sort of point system, which cards I've used in the past have, which could build up to a larger rewards each year, etc.Overall, if you're willing to pay your card off immediately, and avoid the high interest rate, it's more
Sep 24, 2014
Photo of Melissa L.
3
By:
Kohl's credit card is a great store card to have if you are a fan of the store. Automatically as soon as you sign up you are sent a 15% discount. When you have the card you are given 12 special card holder discounts that range from 30% off to 15% discount off. The free shipping is another bonus if the store you have is out of what you want, or you just can't make it there.

One of the drawbacks is the high interest rate's, but then again many store cards have the same interest rates so its nothing against the norm.
Sep 15, 2014
Photo of Elise C.
4
By:
I like my Kohls card, it gives me the 30% discount online during the Kohls events and free shipping. For me this works great for kids clothes and household items which tend to be heavy and many times out of stock in my local store. It is one of the few cards I have that I have kept due to these reasons and the great customer service I get when I call the 800 number which can be rare for many other cards these days.
Sep 10, 2014
Photo of Colton Y.
2
By:
The Kohl's store card is not that great of a deal. Sure you get a small discount off the already high store prices, but you end up paying for it in high interest rate. Compared to my Chase Slate card of 12% APR the Kohl's card is 23.99%. Even my Home Depot credit card with a 25% APR gives me the great option of 0% interest if paid within 6 months or longer on larger purchases. Which in most cases means 0% interest. Store cards like these really just take advantage of people in my opinion.
Sep 9, 2014
Photo of Amy P.
5
By:
I have had a kohl's card for several years now and never had an issue with them. They are always on time with sending bills to me and I really enjoy the perks of getting extra coupons all year long. It makes shopping a lot more fun when you get a great discount all the time!
Sep 6, 2014
Photo of JaCoby M.
4
By:
I really enjoy having a Kohl's card because you get so many get deals by having it. Multiple times a year you get great coupons and somethings gift vouchers. Very easy to pay off either in store or online
Sep 6, 2014
Photo of Jeff L.
5
By:
I really enjoy my Kohl's card. It was easy to apply for .I applied at the store and it took less than 5 minutes. Kohl's always has great sales and is a great place to shop.
Aug 15, 2014
Photo of Tien L.
5
By:
The Kohl's Store Card is a great card to have! The card holds a benefit that no other card offers, it allows you to get extra discount up to 30% off on Kohl's purchases. There are even discount codes that you can use in conduction with the Kohl's card to get free shipping. The only bad thing about this card is you do not get a free credit score monthly like the Barclaycard rewards master card. But honestly, who needs their FICO score every month? All in all, the Kohl's card is a must have!
Aug 12, 2014
Photo of Blythe P.
5
By:
Off hand, I would say that this looks like a fairly bad card deal, but honestly it is exactly what I wanted! Once a month (or pretty much during every sale cycle) there is a chance for card holders to get an additional 30% off of their purchase. With this sale I have gotten dress shirts for my husband for around 75% off and they weren't even clearance! I highly recommend this card.
Aug 12, 2014
Photo of Jay B.
5
By:
I use my Kohls charge card all the time! I never have a problem paying the bill because I am always buying from their heavily discounted clearance racks. I can get three pair of pants and a few shirts for as little as fifty dollars. I can get even more when I get their discount coupons in the mail and combine that with the discount I get just for using the credit card. I rarely shop anywhere else for clothes besides Kohls.
Aug 11, 2014
Photo of Geisa H.
5
By:
This card helps me to keep up with my 5 Y/O growing so fast! I always wait for a month or so before I go to the store so I can get the discounts available when you use your card. I have just purchase all my daughters back to school clothing and her back pack with a lunch bag , I used the card and got a 20% discount plus "kohls cash" (a deal that you get at least $10 on your next purchase ). I am happy with it and I have the card in my wallet as something I can count on (some cards are evil!!!!). I am more
Jul 29, 2014
Photo of Christina J.
4
By:
I really enjoy having this card. Cardholders are given quite a few perks when they use their Kohl's charge card and after having it for years I can honestly say that I've saved hundreds of dollars by using my card instead of another form of payment. When I go to Kohl's the only thing I use is my charge card. The best part for me is when you get to use the 15, 20, or 30% coupons that are sent in the mail to cardholders. I normally try to stay away from store credit cards but this is one I’m glad I have.
Jul 21, 2014
Photo of Ed V.
5
By:
I like that this card allows for optimal savings at Kohl's stores and also online.
Jul 21, 2014
Photo of Amanda B.
5
By:
This is by far the most valuable card in my wallet. Kohl's offers amazing deals storewide on an everyday basis! Using my Kohl's card is especially savvy when racking up rewards points that dub as in store gift card, letting me use my rewards like cash, on all items in the store! I love and totally recommend it! You can also use your rewards to make purchases online as well. The biggest selection of name brand items, at a super low price, with the added bonus of the kohl's rewards. I personally like to save my rewards for my holiday shopping.
Jul 17, 2014
Photo of Cynamin K.
5
By:
I'm not one for applying and using store credit cards but having a Kohl's card is a must and very worth it. There is always great sales going on and being a cardholder entitles you to an additional higher discount than someone who isn't a cardholder. There is also times when you can also earn kohl's cash on top of the savings already. My only complaint is the APR is a bit high but I always pay off the full amount right after making a purchase.
Jul 11, 2014
Photo of Christine B.
5
By:
I LOVE THIS CARD, THIS IF BY FAR THE BEST STORE CARD I HAVE. I RECEIVE NUMEROUS DISCOUNTS EVERY MONTH JUST FOR HAVING IT. NOT TO MENTION THE KOHL’S CASH I GET FOR SHOPPING IN THE STORE IS ALWAYS AN ADDED BONUS. I WOULD RECOMMEND THIS CARD TO ANYONE. I PRIMARILY USE IT FOR SCHOOL CLOTHES FOR MY KIDS; ADD THAT WITH THE COUPONS YOU GET AROUND BACK TO SCHOOL TIME AND IT’S A WINNER!
Jul 7, 2014
Photo of Donny B.
4
By:
As far as store cards go, my Kohl's Card is the best one I've had so far. There isn't anything special about the APR percentage and in many ways it's much like any other card out there. What I do like is that its for a store that I actually shop at frequently so I feel much less guilt about having it. The MVP status for spending $500 or more a year is also pretty nice since they send you extra coupons if you've attained the ranking. The Customer Service for the card is very helpful as well, at least on the rare occassion that I had something that I more
Jul 7, 2014
Photo of Kevin B.
3
By:
The kohl's card is nice to get for the constant percentage discount coupons but paying the card online is a terrible process. The login is far too complicated and doesn't link to mint.com. The interest rate is out of control, but you can just pay in the store with cash after using the card. You have to know the balance as they can't tell you in the store, but thats a small price to pay if you shop there at all.
Jun 26, 2014
Photo of Jo B.
3
By:
I am a long-time Kohl's customer and usually have a small balance on this account. My comment is primarily about the website. I have more trouble with this website than with any other site I use on a regular basis. More than once, the site has been unavailable for payments, which had to be submitted via phone. As you might imagine, this unavailability for on-line payments does not work for many of us today and makes paying the bill on time a hardship. I have also encountered numerous password and user id issues, things that do not seem to be problems with other retail websites I use on a regular more
Jun 26, 2014
Photo of Sharon P.
5
By:
This is a great credit card. I love that when you use this card you can earn rewards to use toward other purchases. It's great to have a credit card where you can earn points that can be used at a store that has everything from babies clothing, kids clothing, men's and women's clothing, toys, jewelry, and even home decor.
Jun 21, 2014
Photo of Leslie F.
4
By:
I am a huge fan of my Kohl's card! I not only use my card monthly, but enjoy the saving offers it allows me to receive. I look forward to receiving the coupons and promotions to use in the store.
Jun 18, 2014
Photo of Melissa N.
4
By:
I like that the card entitles you to extra discounts throughout the year. i also like that you have the option to pay your balance right in the store, even as soon as immediately after using it.
Jun 18, 2014
Photo of Emery E.
4
By:
I would say it is a good card to use, since they constantly send you discounts on their products. Also you get automatic discounts by using the card. We don't use the card often but when we do we pay it off almost immediately, so the APR does not really affect us.
Jun 18, 2014
Photo of Laura B.
5
By:
Having a Kohl's card is like having a "discount" card. I use it all the time to get extra off of my purchases and get Kohl's cash many times throughout the year. I use the card even when I can pay cash to get the discounts and then just pay the card off right away.
Jun 17, 2014
Photo of Jena G.
5
By:
I love my Kohl's card. You always get great discounts. I am able to find excellent deals between using my Kohl's card, sales and Kohl's cash.
Jun 16, 2014
Photo of Stephanie H.
5
By:
I absolutely love this card. I'm generally not a fan of having "many" credit cards, but the addition of this card to my wallet was the right choice. As a card holder you basically ALWAYS have a discount of either 15%, 20%, or 30% regardless if you got a coupon in the mail. All you have to do is ask when you check out if there is a discount for card holders. I pay my balance every month, shop the clearance racks at the end of the seasons to get ready for the next clothing season for my growing son, and get great deals with the card!
Jun 12, 2014
Photo of Brittany S.
5
By:
We actually have the VIP card. I love using it it has been great for getting our sons clothing. The interest rates are low and the payment options are great. They even matched our payment one month when money had gotten tight. The kohls store also always has deals attached to the card like discount days and kohls cash. This is the only credit card we used and I am happy with it.
May 28, 2014
Photo of Nancy L.
3
By:
The Kohl's Store Card seems like a good rewards card to have if you shop in this store and would like it for convenience sake. I would definitely use it around the holidays, but with a high APR I would be sure to pay off my balances quickly.
May 27, 2014
Photo of Beth P.
1
By:
I have loved my Kohls card since 2006, especially when I spent lots of $$ for holidays, weddings, showers, event gifts and more. I even shopped their clearance racks to collect several bags of clothing for giving at the next holiday gift donation collections. One reason that I used my Kohls card for lots of $$$ was the "promotion" that went with my long history as a Kohls credit card customer, which was paying only 1/3 of the bill balance and being able to carry the remaining balance free of finance charge. As an MVC card holder I always pay my required amount on time. WELL, without notice this option more
May 26, 2014
Photo of Rachel F.
5
By:
I love my Kohl's charge, it gives you actual in store saving each month- 15, 20, or 30 % off each month, And you can become a MVC member and get extra savings each month. And take advantage of the no annual fee- pay your bill off in store after your purchase and you have NO bill hanging over your head as long as you don't carry a balance.. You get the discounts without a monthly bill. This is for sure a card you need if you shop at Kohls !!
May 19, 2014
Photo of Falon J.
2
By:
While this is an reasonably good store card, it's not for anyone looking for a general credit card. But it does however have the higher rates that one might expect from a big name credit card. If you miss a payment you'll really regret it with this one. I also had a very difficult time cancelling this card when I wanted to close my account, I actually did so three times but still had bill statements sent to me monthly with monthly charges added to them, then added up as penalties in spite of calling customer support to cancel the card. I finally got it cancelled but am still disputing more
May 16, 2014
Photo of Aaron V.
4
By:
This is a good card for a store specific credit card. The only thing i do not liek is the high APR rate. Otherwise this is a card one should get for Kohls.
May 12, 2014
Photo of Becky W.
5
By:
If you shop at Kohls frequently, you should get their credit card. Kohls was the first credit card I signed up for and I have had a wonderful experience with them. They offer a 15% discount on your purchase when using your credit card and you get offers and discounts via email each month. The monthly minimum payment amount is very low and easy to manage. Interest is not high and I don't feel like I'm being taken advantage of if I don't pay of the full amount I have charged to the card for the month. I highly recommend a Kohls credit card.
May 12, 2014
Photo of Alex B.
4
By:
The APR on the Kohl's card is very high, but I only use it when I'm making purchases at Kohl's because using your card there provides great discounts. They mail me coupons regularly, and you get 15-30% off your purchase every time you use it. If you're a frequent Kohl's shopper, I'd highly recommend it.
May 7, 2014
Photo of Wendy G.
5
By:
The Kohl’s Store Card is a great card to have. I love the extra discount that I get in the mail or via email. The extra discounts always seem to come just at the right time when I need a gift or child for the kids. I’ve never bought anything that wasn’t on sale using my card. Hitting the $600 a year spending to become a Most Valued Customer isn’t hard to do. The fact you can use the card in store or online is an added bonus with free shipping. The only downside would be if you were the carry a large balance month to month the interest rate more
May 5, 2014
Photo of Ron O.
3
By:
Kohl's Store Card is good to have because you get exclusive discounts when using it. For example, you will receive a periodic mailer with coupons to use in store or online such as 10%, 20% or 30% off your total purchase. It also allows you to get Kohl's cash back with each purchase during promotional periods. The downside of this card is that there is no grace period so you need to pay your entire balance before the monthly bill is generated! If you pay your entire monthly bill you will be surprised to find another bill next month with finance charges for every day after the billing period passed more
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Oct 16, 2014
Photo of Michelle C.
By: Michelle Childress
I was approved for the credit card but don't have it yet,how I use my credit
Aug 21, 2014
Photo of Anna-Marie W.
By: Anna-Marie Wicker
Can I use this card any other places then Kohls?
Apr 7, 2013
Photo of Trey J.
By: Trey Jimenez
I made a payment for my April payment which was due April 6th. I made the payment on the 6th @ 11:00 when I remembered that I had not paid it a couple days before like I was planning on. Anyways because I payed the amount after 5pm CT I guess it actually showed me paying it a day later (the 7th) of due date. Will this go against my credit for this (not even) "one day" of being "late"? please if someone could help me out and give advise. thanks
Apr 9, 2013
Photo of Card H.
Card Hub
You do not get reported to the credit bureaus as being late until you become 30 days delinquent. In your case you were only 1 day late so you have nothing to worry about.
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Last updated on: Oct 21st, 2014 at 3:29 EDT