Kohl's Store Card

Kohl's Store Card
Required Credit Score: Excellent, Good, Fair
4 279 reviews   Write a Review!
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Kohl's Store Card's Rewards

Bonus
15% discount
Base Earn
periodic discounts
Max Earn
periodic discounts
Earn / Redeem Limit
No
  • Save 15% on your next order when you apply for a Kohl’s Charge Account.
  • Extra discounts on everything 12 times a year. You'll save an extra 15% - 30% on all regular sale, and clearance priced merchandise.
  • Spend $600 a year on your Kohl’s Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year.

Kohl's Store Card's Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
N/A
  • 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
  • Itemized, easy-to-read statements that you can pay online, through My Kohl’s Charge at Kohls.com.
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Kohl's Store Card Reviews

 
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1 2 3 4 5
 
4.1
Overall Rating: 4.1 / 5
Total Ratings: 279
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Apr 15, 2014
Photo of Agata F.
3
By:
Great card. Easy to use in the store and online. There are really no benefits to this except you get a few coupons throughout the month in the mail but you can get those on the internet anyways. It would be nice if they could link your % off to your card instead of bringing in both. I usually forget my coupon at home because I go to Kohl's on a spur of the moment.
Apr 9, 2014
Photo of Stephen M.
2
By:
this is an ok card but i don't think the Kohl's store card can compare to the limited store card. The limited store card offers more in way of benefits and discounts than what is being offered here. their rewards are just great over there. i won't go for this.
Apr 9, 2014
Photo of Chew C.
5
By:
The Kohl's card is ok. The terms are fair, and there's no introductory APR. A very good card, if you can take advantage of it.
Apr 2, 2014
Photo of Megan T.
5
By:
I absolutely love my Kohl's Card! I am always getting coupons for different amounts and I never pay full price for anything. Also it is great because when I lose a receipt I can still return any item and get the exact money back I paid for it because they are able to look it up and return the money right back to my card!
Apr 1, 2014
Photo of Jesse M.
4
By:
There is no introductory APR like most other cards. No rewards program either. The good point is that many discounts are available with the card. Some can be combined. There are no exclusions in the sales i.e., certain brands, like other stores (Bealls). Overall a very good card if you strategically plan your purchases at times when you can take advantage of the various discounts.
Mar 13, 2014
Photo of Gabby K.
5
By:
I have had my Kohl's credit card for over 10 years. I love all of the coupons I receive throughout the year. Also, if you spend $600 in one calendar year, you earn MVP status. This entitles you to even more coupons mailed during the year.
Mar 13, 2014
Photo of Dan T.
5
By:
My Kohl’s credit card is…by far…my favorite store credit card. Kohl’s is notorious for sales, points, and special offers. These offers can often be redeemed together. For example, the other day I used a flyer for $5 off my purchase; however, I was also able to redeem a 20% off my purchase offer with use of my Kohl’s card. The ability to stack and compound promos/offers makes the Kohl’s card very much worth having. And you can sometimes purchase new items for next to nothing. They also have a dynamite return policy. Their stores sell a variety of products including useful bath and kitchen items, jewelry, clothing, and other miscellaneous more
Mar 12, 2014
Photo of Dawniel T.
4
By:
The Kohl's Store card seems comparable in some ways to other store cards and quite different in others. The apr rates are comparable to all other store cards I have, most are between 22% to 26% and most have late fees. The big difference I see with this card as compared to my other store cards is the benefits. The MVP status is a lot lower with Kohl's than the other two cards I have which require a $3,000 to maintain a platinum level. The Kohl's card has discounts for using in store and online, and the 15% to 30% off each time is a huge bonus! Most department stores more
Feb 14, 2014
Photo of Erin K.
4
By:
The Kohl's Store Card has its benefits, but I can't say that it is entirely worth it when all is said and done. The 15% discount storewide is a real benefit to this card, if you are a Kohl's frequent, and that large amount of savings can really add up. It is higher than a lot of other store credit cards, so it seems like a good deal to take advantage of. There's no real rewards program, however, for frequent use, and that's the one thing I see lacking. While it makes for some good store deals, there is no real huge benefit, in my eyes.
Feb 11, 2014
Photo of Kimberly R.
5
By:
I love my Kohl's Card! If you are a card holder, you get a lot of discounts throughout the year. My favorite is the 30% off! Who doesn't love a huge discount! This store is addicting! I also love the cash back! You actually earn money to shop! Shop the clearance racks, combine with your Kohl's discounts, and you get a great deal.
Feb 2, 2014
Photo of Ray J.
4
By:
I was never addicted to shopping for clothes until I began using my Kohls credit card. Kohls always provides the greatest discounts on clothes and articles for the entire house. Using my Kohls credit card is so simple. Every month I receive great discounts through the mail regarding specials that are unbelievable. The offer of spending $50.00 and receiving $10.00 Kohls bonus bucks makes Kohls an easy choice, when it comes to getting the most for your money. The interest rate on my Kohls card is very fair and the customer service agents that assist me when I have questions regarding my card have been great. I have told everyone more
Jan 31, 2014
Photo of Ermine V.
5
By:
I like the ability to not have to have the card with me in order to shop. I think this is a great security feature, because you still need to be able to provide your driver's license in order to complete a purchase. I also LOVE the additional discounts that I am able to use in the store. It's great to be able to save money with this card.
Jan 29, 2014
Photo of Nicole B.
4
By:
Kohl's is one of my favorite stores to shop because I can always find just about everything I'm looking for there, so I thought that the Khol's store credit card was a good choice for me. The card is really great and extremely beneficial to those like me, who love this store. You get a great amount of discounts including up to 30% off on items in the store, including the clearance items at least once a month. You save tons of money with this card! When you sign up in store, there is no hassle and they give you a temporary card that you can use towards your first more
Jan 15, 2014
Photo of Brandon H.
5
By:
The Kohl's store credit card is very useful. It gets you some very useful discounts throughout the year, including 15%,20% or 30% off of all items in the store once every 1.5 months or so. So that let's you save a ton of money, and is really easy to use. If you happen to forget your card at home, they are able to look it up in store and give you a temporary one on the spot. Any items that you purchase on the card do not need a receipt to get a price adjustment or return because they can just look it up with you card. All in all, more
Jan 10, 2014
Photo of Donna D.
3
By:
This is an okay credit card. The pros of this card would be that whenever you shop at Kohls you automatically get a scratch off coupon for 15, 20, or 30 % off of your total amount. The disadvantage would be when shopping online. I have had many problems with Kohls online shopping. Once I had even placed an order that never showed up under my account status information and was never shipped out. It took forever to try to straighten this out. If you are looking for a department store card, look elsewhere.
Dec 26, 2013
Photo of Chip S.
4
By:
This is a fantastic card if you shop at Kohl's regularly. I for one shop at Kohl's quite frequently due to them selling goods in various departments and specialties. Some of the best features of this card are the constant discounts that you can save from on clearance items. Overtime, you can save up to $20 - $50+ per trip when you shop at Kohl's. Because they offer numerous sales and promotions originally, when you have an additional 15-30% off on top of that, getting the Kohl's store card might actually be beneficial. Of course, mileage may vary for some people. For instance, the people who don't shop too often more
Dec 24, 2013
Photo of Rich D.
4
By:
Kohls offers frequent in store discounts on ALL items in their stores, they do not exempt famous brands like some do. The interest rate is extremely high so I try to keep a zero balance. I would recommend this card to others .
Dec 24, 2013
Photo of Dennis S.
5
By:
This is a great card and is one of our most used cards. They offer great promotions throughout the year. Every month you will receive a 15%, 20%, or a 30% off when you use your card which you can make a payment on immediately after using if you have cash. Often you will get $10 Kohls cash with every $50 you spend in store as well. This card is a must for people with a family because of low prices you can get clothing at with the discount prices.
Dec 19, 2013
Photo of Erin K.
5
By:
I signed up for a Kohl’s account after numerous trips there. I was tired of the cashier asking me every time to sign up, so I took the plunge. It has been well worth it. I believe I saved a total of 30% with my first purchase. After signing up, you get coupons in the mail at least twice a month ranging from 15% - 30% off total purchases. Also, I will occasionally get emails stating that I will get a discount of $10 when using my Kohl’s charge. These are nice to have. I also like getting Kohl’s cash for using my card. I think the card is a more
Dec 8, 2013
Photo of Zeb D.
4
By:
I originally opened a Kohl's card when I was making a large clothing purchase, upon opening an account I received fifteen percent off the purchase. The card is great if you choose to pay off your balance every month. The annual percentage rate isn't that great but, it's comparable to most store credit cards. Kohls does offer exclusive discounts when you use your card for purchases, and I'm constantly getting coupons in the mail from them. Overall the card is great to use if your going to be shopping at Kohls regularly.
Dec 4, 2013
Photo of Nicona K.
3
By:
My personal experience with the Kohl's card was about average. The card offers cardholders the opportunity to take advantage of great discounts on store merchandise, which is always nice. The terms of service are fair and stated clearly for the cardholder's knowledge. The reason I gave this card 3 stars out of 5 is that I prefer to use various offers attached to one single card rather than have many different credit cards open at the same time. All things considered, I think this is a good choice as far as store credit cards go.
Nov 21, 2013
Photo of Lyndy V.
5
By:
Everyone in my family has a Kohl's card and we all use them frequently. The Kohl's card allows you to receive special offers once a month with the lowest discount being 15%. Having the card keeps me up to date with mailers that also let me know when special promotions are going on as well as when Kohl's cash is being offered. Even if I don't have the card with me in store, the staff makes it relatively easy to look up and still use the card with minimal personal information. Returns are also much easier with the card because the staff is able to look up your information even more
Nov 16, 2013
Photo of Kayla L.
4
By:
I’ve signed up for a Kohl’s store card several years ago and have never regretted it. The first day I opened the account I got to scratch off a percentage to save and got 30% off my purchase that day. The best part about having the card is getting all the exclusive promotions that come with it, namely saving 15%, 20%, or 30% when you use your card about once a month with the mailer coupon they send out. The only complaint I have is I signed up for the payment protector and I’ve found it completely useless because the standards and proof they set for being able to defer more
Nov 8, 2013
Photo of Nicole A.
4
By:
This is one card I cannot do without! First, Kohls is amazing by itself. But an extra 15% to 30% off WITH also using coupons just equals to more savings! There is no signup fee, 25 day grace period if you forget to pay (like I did one time), and again, extra SAVINGS! Having this card for over 5 years already, I have easily saved over several hundred dollars. And for those who think Kohls is only clothing, you are wrong. One time they had a special on Ghirardelli chocolate, BOGO, after using my card and savings, I spent $1 for two boxes of chocolate that usually cost $10. The more
Nov 7, 2013
Photo of Cynthia W.
4
By:
I love my Kohl's card. They offer a discount to sign up and then you get multiple offers to use when you shop, usually to the tune of 20% to 30% off. You can also stack these discounts, with in store coupons or sales which really gives the shopper the possibility of being able to get a fantastic deal. They do offer plenty of options to their customers to allow them to settle a debt if one is acquired from using the card. The only negative thing I could mention is that I have had two address changes over the past 7 years since I've had the card and my more
Nov 7, 2013
Photo of John M.
5
By:
I have had my Kohl's card for over 7 years. It saves me so much money and it makes shopping fun again. There are always extra sales, coupons and deals for Kohl's cardholders. Just last week I bought a candle for only 2 dollars that was marked down from 20. Another deal I received was a memory foam mattress topper for my mothers mattress. She won't stop talking about how its like sleeping on a cloud. Overall I couldn't ask for a better credit card or better store to shop at. I love the look on the employees faces when I swipe my kohls card, it makes them smile.
Nov 6, 2013
Photo of Kyle C.
4
By:
I am a teacher and I think that getting my Kohl's card was one of the best things that I ever did. When I first started teaching, I was coming from a part time job that I made little to no money on. I had to completely outfit my wardrobe when I first started. One of the places that I went to was Kohl's. I was buying a lot of clothing and they offered me an additional 20% off if I applied for the card that day. I am so glad that I did, because it was like I was getting several dress shirts for free. The best part is more
Nov 6, 2013
Photo of Paul R.
4
By:
I have had a store credit card at Kohl's for about two years now and overall, I have been quite satisfied. I like that the sales are geared toward cardholders and allow for a great deal of savings. Unfortunately, like many other department store credit cards, the interest rates are through the roof in comparison to most standard issued cards. Although, it's nice to have the option to use the card to save money, then pay off the balance right there on the spot. Unfortunately, you can't pay it off with another credit card or debit card and you are stuck having to carry around a pocket full of cash more
Nov 2, 2013
Photo of Ashing D.
3
By:
The card isn't that great. As in that there is nothing special about it. It's really like any normal card, you pay the bill and that's it. They did have some certain perks that will pop up from time to time, but there wasn't really anything that will keep a customer's loyalty. The only good part was that there was no interest for order over $50. The catch is obviously you have to pay at least $50, then the 2nd one, which is the worse, is that you have to log online to pay your bill. For me there was just 1 time I had a problem with this feature, more
Nov 2, 2013
Photo of Dallas H.
4
By:
Overall, I think the Kohl's Store Card is a pretty good store credit card. If you like shopping for cheap clothes, this card is definitely for you! I shop at Kohl's all the time because they have the best deals around on clothes, and this card makes it even sweeter. The interest rate is 23.99%, which is high but normal for a store credit card. This isn't a problem because I always pay off ALL of my store credit cards. The great part about this card is that you get 15% off your first order, and then the card can be used for exclusive discounts throughout the year from flyers more
Nov 1, 2013
Photo of Rocio C.
4
By:
Overall I really like my Kohls credit card. The interest rate is sky high which isn't an issue to me because I don't carry a balance. The only reason I have it is because I like to shop at Kohls and you can't get the 15, 20 or 30% discount without it. It's a good value for me because I'm a careful shopper. I really don't buy on impulse because of our financial situation. So I go when I can get a discount and cash back. On the other hand if you're someone who get's out of hand for the holidays and carries a balance this may not be the card for you.
Oct 31, 2013
Photo of Greg F.
5
By:
I have used a Kohl’s Store Card for several years now. The best thing about the card is the frequent discount offers that come in the mail as a result of being a card owner. The discounts are substantial and typically have very few restrictions. Also, the store often runs in-store specials that allow you to take additional discounts off your purchase if you use the card. There is no annual fee for this card, but like more store cards, the interest rate is pretty high. So, use the card to get the additional discounts, but be sure to pay it off each month to avoid giving back your discounts more
Oct 25, 2013
Photo of Jane S.
3
By:
I love Kohl's and the Kohl's Credit card. I give the card a three stars only because the APR is so high AT 23.99%. I have had the card for about a year give or take now and I have to say it has really saved me quite a great deal of money! If you like to order on-line (which I do frequently) then you get FREE shipping. It doesn't give you any other special offers that are exclusive to you as a card holder. It does come in handy if there are those of you that forgot to save up this holiday season. Or if you're like me and more
Oct 16, 2013
Photo of Judy Y.
5
By:
I have had my Kohl's card for about a year now and really think it is a great card to have. It always entitles you to discounts that are already in the store. It also entitles you to free shipping. Kohl's is constantly running sales and often gives out Kohl's Bucks in the denomination of $10 for every $50 you spend. The Kohl's bucks plus sales and the discount from using your store card really add up to bargains that you can't get anywhere else. I am always on the lookout for the latest catalog when it arrives in the mail. I always think of Kohl's, first, when I need more
Oct 15, 2013
Photo of Daisy M.
5
By:
I love my Kohl's credit card! I get exclusive, card member only coupons with it that I can use online or in stores. I always pay off my balance before it can accumulate interest, which is the best way to use credit cards, in my opinion. Even when I did carry a balance, however, the interest was not that high. I also love that I can pay my bill online, which is a great convenience. I would absolutely recommend it, plus if you apply in store, they usually have a promotion to get a percentage off your purchase when you apply. Who doesn't love discounts?
Oct 14, 2013
Photo of Lauren A.
5
By:
I love my Kohls card. I get extra discounts, higher than those offered to the public without a card. The best part is using the card on everything, and getting the discounts on everything in the store, 12+ times a year. I can order hundreds of dollars worth of merchandise online and have it shipped to me (often for free). I can try on the clothes in the comfort of my own home, and then return what doesn’t fit/I don’t like/etc. The best part is that if I use my Kohls card to purchase anything, it stays in the system for five years. When I moved, I found some skirts more
Oct 10, 2013
Photo of Caley H.
5
By:
I love having my Kohls card. It is wonderful during the holidays and when you need that emergency outfit and are absolutely broke. I recently just had a baby and needed a few pricey things I didn't think I would. Kohls almost always offers coupons and discounts for its charge card members as well which saved us a ton of money. The store also has a high standard for customer service and I can only think of one time in particular that I was treated poorly at any of their stores. This is in addition to an amazing return policy. I can buy presents for people or for my newborn more
Oct 8, 2013
Photo of Jenny T.
5
By:
I have had a great experience with my kohls card. I have used it throughout the year but expecialy around the holidays to manage my purchases. With the Kohls card also comes exclusive discounts and coupons that makes my shopping experience a pleasure. Twelve times a year, I get coupons that give me additional amounts off in addition to sales already going on in the store. This really helps at back to school time and Christmas time. I can use these discounts and then use the card and pay off my balances over a few months if money is tight at that time. If I have the money, I can more
Sep 27, 2013
Photo of Chris M.
4
By:
The Kohl's Card is pretty good, at least as far as store credit cards go. The 15% off your initial purchase is lower than most cards will give you for applying, and the interest rate is pretty sub-par even if you have top credit. That being said, the 25 day grace period could be worse. Also, as with any store card, you get this for the extra access to sales and discounts this gives you through out the year. It serves that purpose well, but this is not a credit card you want to use to make large purchases. You'll also get extra coupons that amount to about 20% off more
Sep 26, 2013
Photo of Malyssa E.
5
By:
I've had a Kohl's card for a few years now and I couldn't be happier with it. It allows me to buy what I need now and pay it off in small increments. It's also really great getting all of their promotional discounts in the mail. All of those percentage offs and the Kohl's cash really add up to a lot of savings. Returns are also really easy, especially when you can't find your receipt in the giant stack of receipts from all of the other stores. Their rates are always really low and easy to pay off, so I've never had any issues with them. I would definitely recommend more
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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: Apr 15th, 2014 at 12:18 EDT