Kohl's Credit Card

kohls card
Required Credit Score:
Fair
4 446 reviews   Write a Review
JUMP TO: REWARDS | APRs | REVIEWS | Q&A | CUSTOMER SERVICE INFO
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Kohl's Credit Card’s Rewards

Bonus
up to 35% discount
Base Earn
periodic discounts
Max Earn
periodic discounts
Earn / Redeem Limit
No
  • 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.

Kohl's Credit 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 Credit 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
  • SMART CHIP   No
  • 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 Credit Card Reviews

 
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3.9
Overall Rating: 3.9 / 5
Total Ratings: 446
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Apr 24, 2015
Photo of April G.
4
By:
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.
Apr 21, 2015
Photo of Natosha T.
4
By:
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.
Apr 15, 2015
Photo of Kacy M.
4
By:
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.
Apr 2, 2015
Photo of Jordan C.
5
By:
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
Mar 24, 2015
Photo of Marissa M.
4
By:
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.
Mar 18, 2015
Photo of Deloris L.
3
By:
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.
Mar 10, 2015
Photo of Alissa K.
4
By:
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
Mar 3, 2015
Photo of Jackie F.
5
By:
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
Feb 24, 2015
Photo of Ashley D.
3
By:
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
Feb 24, 2015
Photo of Adriane L.
4
By:
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!
Feb 24, 2015
Photo of Jessica R.
4
By:
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!
Feb 20, 2015
Photo of Britt L.
5
By:
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!
Feb 16, 2015
Photo of Meredith S.
3
By:
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
Feb 9, 2015
Photo of Sandy M.
5
By:
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.
Feb 3, 2015
Photo of Brandon S.
4
By:
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.
Jan 14, 2015
Photo of Liz M.
5
By:
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.
Jan 12, 2015
Photo of Anna B.
1
By:
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.
Jan 12, 2015
Photo of Diana A.
5
By:
Jan 12, 2015
I recently decided to apply for the Kohl's store card and I must say that i am very pleased with it. I had a Target store card in the past, which I no longer use, and found it to be very boring and not much reward back for being a loyal customer. However, once I signed up for the Kohl's store card, I immediately received discounts and future discounts on future purchases. I love getting coupons and discounts in my email and I love the rewards program; it makes it much more fun to use and makes me want to use my card! If I had to do it all more
Dec 19, 2014
Photo of Melody L.
3
By:
Dec 19, 2014
The Kohl's card seems to be a great card. The Apr is a bit on the high side but that won't be a problem if you pay off your balance every month. I like the fact that you get so many discounts during the year. since i am a frequent shopper at Kohl's they really would come in handy. They only down side that I see is that it is a store card instead of a credit card. Without a Visa or a Master card logo I can't use this card for my every day shopping.
Dec 8, 2014
Photo of Benjamin R.
4
By:
Dec 8, 2014
I have a Kohl's card and I like it. I'm not fond of their interest rates, though, but I think that rate is standard for many store cards. I get around it by transferring the balance to a different one. Usually one that has 0% APR promotions on balance transfers. That's my first complaint. My other complaint is their customer service hours. 24 hour customer service would be nice, and Kohl's is certainly no 'Mom & Pop', 'brick and mortar' store. They're a national chain with a fully functional online storefront, so their credit department should have service representatives available at all hours. Those are really my only two complaints. more
Dec 8, 2014
Photo of Julie B.
5
By:
Dec 8, 2014
I JUST LOVE THIS CARD! I HAVE HAD IT FOR 2 YEARS NOW. I RECOMMEND TO ANYONE WHO SHOPS HERE A LOT TO GET THIS CARD. SINCE I HAVE HAD THIS CARD I AM ALWAYS GETTING SO MANY COUPONS IN THE MAIL FROM THEM. WHEN I DIDN'T HAVE THE CARD I WOULD ALWAYS GET A FEW BUT NEVER LIKE THIS. I CAN ALWAYS FIND A GREAT DEAL IN THEIR STORE TO PAIR IT WITH. I ALSO LIKE THAT THEY HAVE A GRACE PERIOD. THESE TIMES CAN ALWAYS BE SO UNCERTAIN SO THAT REALLY HELPS A LOT. I HAVE ABSOLUTELY NOTHING BAD TO SAY ABOUT THIS CARD. GET IT!!
Nov 28, 2014
Photo of Connie F.
4
By:
Nov 28, 2014
My husband really likes the store, Kohl. He applied for the credit card and received a nice discount on his first purchase. We use the card but we're careful to pay it off each month, as the interest is very high. In all fairness, it's in the same interest rate range as most department stores. My Macy's card charges approximately the same interest, if I don't pay off the ending balance every month. I enjoy the offered discounts the card gives us. Discounts mean savings which encourages shopping at Kohl's.
Nov 27, 2014
Photo of Joe D.
5
By:
Nov 27, 2014
I love the card! I get emails all the time with discounts!
Nov 26, 2014
Photo of Joe M.
5
By:
Nov 26, 2014
I use the Kohl's card. I love it because I get coupons in the mail many times a year good for 15, 20 and even 30% off my purchase. Kohl's has a wide variety of items and I always find what I need at the best prices because of my credit card. Sometimes they even send $10 coupons in the mail for promotional offers and my birthday. It helps for returns too because they can look it up on your credit card if you did not save your receipt. I have been a card member since 2003 and I am very satisfied with the customer service that I receive. I more
Nov 18, 2014
Photo of Michael S.
4
By:
Nov 18, 2014
I'm glad I signed up for Kohl's Store Card, even though my regular Visa is just fine. The 20% off right off the bat was an excellent way to lure me in as well. Kohl's already has some great savings, and now that it's coupled with the discounts from my new card I will definitely be doing a lot more shopping here.
Nov 12, 2014
Photo of April P.
4
By:
Nov 12, 2014
I have just recently signed up for the Kohl's credit card and so far am very happy I did. When applying I received 20 percent off of my purchase as well as Kohls cash. You often get a percentage off of your purchases on top of great sales. Kohls is one of my favorite stores so having the credit card is just an added bonus. I would like to stress that the interest is a bit high but, if paying off the balance each month you will save bundles.
Nov 3, 2014
Photo of Samantha L.
5
By:
Nov 3, 2014
Kohl's offers great rewards with their store credit card, and it's the only one I think I'll ever have. Fifteen, twenty and thirty percent off sales are common with the Kohl's card. It's the only place I shop enough to make having the card worth it. As long as you pay off your card every month, preferably when you charge it so you don't forget, it is great. If you don't, the interest rates can be high. Often you can use multiple discounts if they are having a particular sale and you can use the pick your day coupon with other sales usually. It's even better if you are an more
Oct 30, 2014
Photo of Haley V.
5
By:
Oct 30, 2014
My Kohl's card is the only store credit card that I own and would ever use. I've had the best luck with them since day one. I get so many coupons and savings for having the credit card that it is hard to shop at any other stores. In addition to all the savings, their online services for your bills is very user friendly and that makes a huge difference. I have never encountered the interest charges on my card, however I do think that they are crazy high. The drawback to Kohl's is that is why you get so many discounts for using their credit card. I also have more
Oct 29, 2014
Photo of Teresa S.
5
By:
Oct 29, 2014
As a frequent shopper of Kohl’s the Kohl’s charge card has been a great addition to my pocketbook. I received $5 off in the store when I applied, plus 15% off my purchase. I also received a 15% off coupon in the mail when the card came. To top that off, I receive monthly coupons ranging from 15-30% off. Even when I do not get the 30% off coupon, I can look one up online and Kohl’s will honor it as long as I am paying with my Kohl’s charge. I also received $10 off any purchase when I signed up for paperless statements. Since I pay off the card more
Oct 27, 2014
Photo of Jamey W.
4
By:
Oct 27, 2014
Kohl's credit card is a pretty good deal for people that are going to shop there. They will automatically give you 20% off when you 1st apply and an additional 15% when you get your card. Plus, you will get at least 12 discounts throughout the year, varying from 15% to 30%, that's a pretty good deal! However, it has a high interest rate so if you are doing some serious shopping and aren't planning on paying off the balance before the grace period ends, it can add high interest to your bill. Also, it would be nice if they offered a points system like JCP store cards. A system more
Oct 21, 2014
Photo of Amanda M.
5
By:
Oct 21, 2014
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:
Oct 13, 2014
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:
Oct 10, 2014
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:
Oct 3, 2014
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:
Oct 3, 2014
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:
Sep 24, 2014
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:
Sep 15, 2014
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:
Sep 10, 2014
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:
Sep 9, 2014
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:
Sep 6, 2014
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
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Dec 29, 2014
Photo of Teresa P.
By:
Dec 29, 2014
I can not get application to go through. It keeps highlighting my phone number.
Feb 1, 2015
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.
Dec 16, 2014
Photo of Shana E.
By:
Dec 16, 2014
What is the average credit score approval
Feb 10, 2015
Photo of Margie C.
Feb 10, 2015
It is difficult to quantify that since credit card companies do not disclose such information. With that being said, fair, good or excellent credit is required for approval, so the answer probably lies in the good range.
Nov 24, 2014
Photo of Cathy H.
By:
Nov 24, 2014
What does verification information mean, what goes in there
Feb 1, 2015
Photo of Card H.
Feb 1, 2015
Your best bet is to contact customer service at (855) 564-5748.
Oct 16, 2014
Photo of Michelle C.
By:
Oct 16, 2014
I was approved for the credit card but don't have it yet,how I use my credit
Nov 25, 2014
Photo of Card H.
Nov 25, 2014
You can call customer service at (855) 564-5748 and they should be able to help you with your query.
Aug 21, 2014
Photo of Anna-Marie W.
By:
Aug 21, 2014
Can I use this card any other places then Kohls?
Dec 17, 2014
Photo of Card H.
Dec 17, 2014
Your best bet is to get in touch with Kohl's customer service at (855) 564-5748.
Apr 7, 2013
Photo of Trey J.
By:
Apr 7, 2013
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.
Apr 9, 2013
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 24th, 2015 at 9:05 EDT