Kohl's Credit Card

kohls card
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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 40% discount
Base Earn
periodic discounts
Max Earn
periodic discounts
  • Save 25% on your first purchase using your new Kohl’s Credit Card
  • This card entitles you to at least 12 special offers of 15-30% off every year
  • 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
24.24% (V)

Kohl's Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX PENALTY APR   27.24% (V)
  • GRACE PERIOD   25 days
  • Combine your Kohl's Charge discounts with low sale prices and special offers, like Kohl's Cash® and Yes2You Rewards.
Apply Now
at Capital One’s
secure site

Customer Questions and Answers

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

Should you pay off your card right away?

Photo of Card H.
Jan 13, 2016
You don’t need to pay your credit card bill the same day that you make a purchase, for example, but it is a good idea to pay off your full balance by your monthly due date. This will ensure that you do not incur interest and will help you avoid becoming accustomed to spending habits that may not be sustainable in the long run. At the very least, making your required minimum payments on time is a must, considering that late fees and credit score damage will pile up otherwise.

For more information, check out our guide on paying credit card bills: cardhub.com/edu/paying-credit-card-bills/ . more
19 Votes 26 7

Will it go against my credit if I am one day late with my payment?

Photo of Card H.
Feb 19, 2016
No, you do not get reported to the credit bureaus as being late until you become 30 days delinquent. In your case you were only one day late so you have nothing to worry about. Best of luck!
14 Votes 25 11

How do you get a credit limit raised?

Photo of Card H.
Jun 16, 2016
All you have to do is call the issuer’s customer service department (at 800-955-7070) and request a credit-limit increase. Bear in mind the issuer may have to re-review your credit history, which would result in a hard inquiry and a temporary decline in your credit score. You can learn more about this and get some helpful tips from the following article: cardhub.com/edu/how-to-increase-credit-limit/ . Best of luck!
10 Votes 10
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Customer Reviews

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3.9 out of 5

537 reviews
Photo of Ri R.
Aug 6, 2016
I applied for this card in the store and was happy to get $300 to start. Its not as high as I wished for but at the time I had a 599 fico. I charged right up to $290 & then started just making payments of $25 each month with out buying anything else. After my 6th month payment posted i got increased $500!! i was so excited . This card is backed by Capital one, so its good to have a mixture and you should know what banks back the store cards. I have syncrony, comenity and Cap one & been rebuilding for a year & its looking good. more
Photo of Delma C.
Jul 10, 2016
I really like my Kohl's charge, it is a store card but has nice rewards, I love the 30% off promo's and the free shipping for being a card holder promo's they offer. They are very conservative with credit limits, which should not really bother anyone, because it is always best to pay in full every month; which I do the 300$ limit is way more than I have needed. I am almost at MVC I am supper excited! (That kind of shows that I spend to much at Kohl's)
Photo of Jody B.
Jun 11, 2016
The good thing about it is you get % off coupons AND...you can use up to 8 different coupons in one transactions. You can use your % off and combine with $ off amounts which can save you $$$$$.
Just remember,
When trying to establish, maintain credit. It is nice to have at least one card like this. The longer you keep, pay on time every month, it gets reported to credit bureau. The older your accounts are and in good standing. You will be good. Just stay under 30% of allowed credit monthly on ALL cards combined.
Photo of Cassandra S.
May 17, 2016
You have no cash advancement.
Photo of Jody B.
Jun 11, 2016
It's a store card, not a major credit card.
Photo of Rachel N.
Apr 1, 2016
The card itself had some nice perks with coupons and discounts but I have had the card for about two years with a whopping 300 CLI that never increased even when I asked so I closed it. My sister had the sam issue. I have other cards with much higher limits and it really wasn't worth keeping.
Photo of azuredragoon
Mar 6, 2016
The card does not have any particularly useful rewards at all because it is just a store card, but it is required to use the monthly 15, 20 and 30% coupons that kohl's sends out every month. I would like it if it were more like a real credit card and had more rewards available. I would recommend it if you like to shop at Kohl's and want to maximize your discount there. I haven't had to use the customer service yet but I'm sure it must be great.
Photo of Bill W.
Dec 30, 2015
I have to say that, with all the perks that I get out of using this card, this is one of my favorite "store-offered" credit cards available. They always send out % off coupons to my house, and I get additional % off coupons and special deals in store that normal customers do not get. Their APR is a decent rate, but I always pay the full amount each month, so this credit card is costing me nothing! Excellent card, I am glad that I got it.
Photo of Amanda F.
Dec 30, 2015
I applied for this card orignially because I do a lot of shopping at Kohls, and there are almost always additional discounts for cardholders. At the time I applied, my credit was OK, but not great. One of the things I love about this card is I can pay for something with my card, then turn right around at checkout and make a payment. So I do not have any interest charges, and it helps control my spending.
Photo of Kelly M.
Dec 28, 2015
Card offers decent opportunities for savings through coupons, but their online chat customer service is one of the WORST! Went through 3 representatives before the 3rd one who FINALLY told me the reason I was getting "dumped" off the other chat sessions was 1) the Chat personnel couldn't answer that question and 2) they were having "system issues." FIRST it would have been nice if the other 2 reps would have kindly told me I would have to call in my question. I would have been totally fine with that if they would have just told me up front! SECOND, I don't believe the "system went down" crap. I've been more
Photo of Kit B.
Dec 26, 2015
I love what the benefits and discounts this card offers. However, it is only worth getting if you can pay the bill off every month. The high-interest rate (23.99%) is a disadvantage of this card. It also came with a very low limit compared to other cards I've had. Regardless, if you can pay the bill without accumulating any interest, it is well worth getting this card.
Photo of Allison F.
Dec 21, 2015
I like the discounts available when using my Kohl's card. However, the interest rate is high, comparable to most store credit cards, so I try to pay it off before each billing cycle, which definitely helps to build my credit score and save me money. I like the convenience of paying my bill online too because it makes it much easier for me to budget my money.
Photo of Ella L.
Dec 17, 2015
I really love that I can use this card in store to receive promotions or online and get discounts on certain items plus free shipping! I have not had any problems with their customer service staff as they are always very helpful when I call in with a question. If you like shopping at Kohl's, you NEED this card! It will save you so much money in the future.
Photo of Ashley K.
Dec 17, 2015
This card is nice because it gives you access to some premium discounts through Kohl's. They send you 30%, 20%, or 15% off coupons several times a year. However, watch out for the interest rate on this card. A plus is that Kohl's makes it easy to get around paying interest--- you can pay off your bill in store immediately after making your purchase. I do this frequently to avoid having a bill and to keep my credit score in tact. If you're a frequent Kohl's shopper, you need this card!
Photo of Keith M.
Dec 13, 2015
I have been a customer of Kohl's for over 10 years. I am originally from Wisconsin thus I am very knowledgeable about Herb Kohl and his stores. I have used the Kohls's card for many tranaactions. I find many discounts using the card and their customer service and online support are past outstanding. I discovered a small problem a few months ago, I contacted customer support and the issue was resolved immediately. I highly recommend using the Kohl's card for all your shopping.
Photo of Shaina R.
Dec 11, 2015
I got a $25 late charge and have not been receiving bills through email or in the physical mail. I'm cancelling the card and honestly won't be shopping at the store anymore.
Photo of Jonathan B.
Dec 8, 2015
First, email or chat would not start the process of adding an authorized user for me. I had to "Call" a phone number, in which I had to provide the name and address of my partner (same address). So I thought that was it, until she received a letter, which was 2 pages of forms she had to fill in. They wanted her SSN, and a lot of other private info, and she was to mail it back. Really? Who writes their SSN in their mail and sends it back? Anyway, she did fax, and it took them 8 weeks to send out a card. It was ridiculous since even more
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
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 give me an answer, they just keep resubmitting a request to send the check. I will never get another Kohl's credit card and I discourage anyone else from doing this. The reason I overpaid was because the online payment center hardly ever works, so when it did, the last time I used one, I had to schedule payments in intervals of $50 until the card was paid off and overpaid. 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 Marilyn E.
Oct 19, 2015
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 told that my charge was closed. I was never informed that my charge was going to be closed by the person who asked me to pay the 47.30 for the last three months. I am now financially independent after receiving a large amt of money and I feel that I have been treated unfairly by kohls after I made the arrangements and paid this last payment. I paid another 130.00 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
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Last updated on: Sep 29th, 2016 at 1:07 EDT

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