Kohl’s Credit Card Review

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The Kohl’s Credit Card, issued by Capital One, has “bargain shopper" written all over it. Fans of the department store can combine the card’s discount offers with rewards from Kohl’s other loyalty programs to maximize their savings throughout the year.

Kohl's Credit Card

overall rating
2.1
Kohl's Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 26.49% variable
Annual Fee $0
Rewards Earning Rate This card does not offer a rewards program.
Ratings Breakdown
for Interest
2.0
for Fees
1.8
for Rewards
4.8
for Credit
3.0

Current Offer:

35% off the first Kohl's purchase made on your new card.

Who Is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household See more cards
    Family Shopper
  • Avatar for Trendsetter Persona
    Loves being the first to try something new See more cards
    Trendsetter
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

The Kohl’s Credit Card is a basic store credit card only good for shopping at Kohl’s. Like most store cards, you don’t need perfect credit to get it, but the price for relatively easy access is a high APR, so you’ll want to use this card for discounts rather than carrying a balance. 

Luckily, the discounts are plentiful, especially if you’re a frequent shopper who spends a lot with Kohl’s. Cardholders get 35% off their first purchase as well as additional discount coupons throughout the year. Perhaps the biggest draw is the ability to combine offers with Kohl’s free loyalty programs: Yes2You Rewards and Kohl’s Cash.

Pros
  • Big discounts

  • May be easy to qualify for

Cons
  • Only for purchases made at Kohl's

  • High APR

Pros Explained

  • Big discounts: Besides getting 35% off your first purchase once you’re approved for the card, you’ll get regular discount offers on Kohl’s merchandise, (like coupons for 15% to 30% off.) Even better, these can typically be used with other rewards from Kohl’s, like Kohl’s Cash (where you get a $10 coupon for every $50 you spend) and points from the Yes2You program.
  • May be easy to qualify for: If your goal is building your credit history, this card is worth considering, since good credit is not a prerequisite, as it is with many general rewards cards. (A fair credit score of 580 to 669 is recommended for this card.) 

Cons Explained

  • Only for purchases made at Kohl’s: Since this is a store card, you can’t use it like a Visa, Mastercard, or American Express.
  • High APR: It’s pretty standard for store cards to have higher APRs than general rewards cards, and the Kohl’s Credit Card is no exception. Avoid carrying a balance if at all possible, or the finance charges will quickly erase the benefit of all your discounts.

If you’ve got good credit, consider pairing this card with a cash-back credit card or other general rewards card that you can use anywhere. Not only will you earn rewards for each dollar you spend, but you’ll have a lot more flexibility in how you use your points or cash back.

Kohl’s Credit Card Sign-Up Bonus

Once you’re approved for this card, you’ll get 35% off the first eligible purchase you charge. Other store cards offer a 10% or 20% discount, if anything, so this is more than competitive. If you combine dollar-off discounts from Kohl’s Cash or Yes2You Rewards, they will be applied before the percentage off is calculated. You’ll also receive a 15% coupon when your card arrives in the mail.

Certain brands and categories of merchandise are excluded from the 35% off sign-up offer and other coupons. These include Dyson, Levi’s, and Timberland, and premium electronics, premium sunglasses, and beauty and fragrance, among others.  

How to Get the Most Out of This Card

Unlike some store credit cards, the Kohl’s Credit Card doesn’t offer rewards based on your spending. Instead, you’ll receive regular discount offers in the mail throughout the year, such as coupons for a percentage off of eligible purchases.

You can, however, still earn rewards for spending at Kohl’s, and you should make sure to combine these rewards with the coupons from your card to maximize your savings. Sign up for Kohl’s Yes2You Rewards program to earn points per dollar spent. You can also shop during limited-time Kohl’s Cash events, and as long as you spend enough, you’ll earn Kohl’s Cash toward future purchases.

In most cases, your Yes2You Rewards and Kohl’s Cash can be used for items that are excluded from the coupons you’ll get with the credit card.

In addition, spending at least $600 on your Kohl’s Credit Card each calendar year makes you a “Most Valued Customer.” This qualifies you for a birthday gift, more discounts, and free shipping events. 

Customer Experience

You can reach customer service by phone or online chat. Kohl’s also offers a mobile app, which keeps track of all your rewards and includes a mobile payment option known as Kohl’s Pay that’s integrated with your Kohl’s Credit Card. 

Security Features

Kohl’s doesn’t promote any stand-out security features on its card. However, the company has started putting 3-digit CVV security codes on the back of its cards and says you may soon be required to use them when shopping at Kohls.com.

Kohl’s Credit Card Fees

The Kohl’s Credit Card has relatively standard fees as store cards go, including a high APR.

For Kohl's Credit Card
Compare This Card
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CURRENT CARD
Kohl's Credit Card
overall rating
2.1
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 26.49% variable
Annual Fee $0
Rewards Earning Rate This card does not offer a rewards program.
Our Methodology
  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Kohl's. "My Kohl's Charge." Accessed Jan. 13, 2020.

  2. Kohl's. "The New and Improved Kohl's Pay." Accessed Jan. 13, 2020.

  3. Kohl's. "Kohl's Charge Security Code Changes." Accessed Jan. 13, 2020.

  4. Kohl's. "Cardmember Agreement." Accessed Jan. 13, 2020.