Kohl's Credit Card

kohls card
Required Credit Score:
466 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 30% discount
Base Earn
periodic discounts
Max Earn
periodic discounts
Earn / Redeem Limit
  • Save 15% 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

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
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
at Capital One’s
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Customer Questions and Answers

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What's the credit score required?

0 Votes

Do you do secondary cards for a spouse?

Photo of Card H.
Aug 27, 2015
We do not issue or operate card accounts, but you can add your spouse as an authorized user and Capital One (the issuer) will provide them with a card.
0 Votes

What is the average credit score approval

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.
0 Votes 1 1
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Customer Reviews

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3.9 out of 5

466 reviews
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.
Photo of Diana A.
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
Photo of Melody L.
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.
Photo of Benjamin R.
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
Photo of Julie B.
Dec 8, 2014
Photo of Connie F.
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.
Photo of Joe D.
Nov 27, 2014
I love the card! I get emails all the time with discounts!
Photo of Joe M.
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
Photo of Michael S.
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.
Photo of April P.
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.
Photo of Samantha L.
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
Photo of Haley V.
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
Photo of Teresa S.
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
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Last updated on: Sep 1st, 2015 at 11:52 EDT

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