Kohl's Credit Card

Kohl's Credit Card
Issued by Capital One
Advertiser Disclosure
Annual Fee
Regular APR
26.99% (V)
Open-loop card or Close-loop card

Additional Information

Balance Transfer Fee
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Late Payment Fee
Returned Payment Fee
Up to $38
Cash Advance Rate
Cash Advance Fee
Foreign Transaction Fee
Smart Chip
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Sign-up Bonus

Save 30% on your first purchase using your new Kohl’s Credit Card.
Get another 15% discount when you card arrives in the mail. To be used on separate future order.


This card entitles you to at least 12 special offers.
Spend $600 on your Kohl's Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year.

Application Requirements

Minimum credit score
Minimum Age

How To Apply Kohl's Credit Card

  • Visit Kohl's credit card application page. If you have a coupon code, please enter your coupon code.

  • Click the green apply now button.

  • Fill in the fields on the application page. The data fields include your name, address, social security number, and annual gross income.

  • Read important disclosures about Kohl's credit card rewards program.

  • Click continue to view and submit the completed application.

  • Apply for Kohl's card by phone 1-855-564-5748.

  • You can apply for the  Kohl's Credit Card by selecting the appropriate Apply Now button below.

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How To Use Kohl's Credit Card

Where Can You Use  Kohl's Credit Card?

  • Kohl's Credit Card can only be used on Kohl's and Kohls.com.

Your  Kohl's Credit Card Bill On Time

  • APR is very high, at 24.99%, which means that if you choose to carry out the balance every month, you will be charged a considerable interest rate.

Something About  Kohl's Credit Card Rewards

  • Get 1 point for every $1 you spend, and $5 bonus cash for every 100 you earn. The bonus cash matures 30 days after it is issued.

Credit Card Reviews

3 Reviews
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User Name

Convenient; Bad Billing Service
1 year ago

I've had this card since 1998. Recently I received a bill showing a late payment. I immediately looked for my previous months bill because I pay my bills and file them when I receive them. In short, I didn't find a bill for that month. So, because the amount of the late payment was so low, I went ahead and paid it rather than fighting with Kohls. Then I tried to set up an autopay so that no future bills would be missed even if I didn't received a bill. When I called Kohls Customer Service, I explained all of this to them. They said if I had missed a payment, I could not set up an autopay for a couple of billing cycles. This makes no sense unless Kohls is making extra $$$ by failing to send out statements resulting in late fees. Then, by not letting me sign up for autopay, I can't prevent this from happening again. I told customer service to look at my account history to see that my payments were made on time. This did absolutely no good. I am a MVC cardholder and have a good credit score. No effort was made on my behalf to help resolve this issue. I love to shop at Kohls both in the store and online. If I wasn't such a fan of the store I would cancel this card. However, since their good sales are tied to their credit card I won't. My recommendation to others is to set up autopay before you have a credit issue, because Kohls customer service isn't going to help after you have a problem.

Kohl's Card is NOT worth it
1 year ago

This is the worst credit card ever!! They never mailed me an actual credit card, So I only had that tiny slip of paper with my account number, which I unfortunately lost 6 months later. I literally could not access my account to make a payment. Even after calling and giving my SS# and DOB, I still could not get my Account Number. I dealt with customer service in the Philippines and was cut off. Then, someone from Mexico City who actually lied and told me he would email my account number. Finally, I finally got a customer service rep in Wisconsin who was able to help, but that was a whole lot of wasted time and frustration just to pay my bill and give Kohls money.Maybe this company should think about keeping its customer service in the USA where the operators actually care about their customers. It was a complete disservice to outsource my call to these other operators who were not helpful at all and literally lied. This Kohl's credit card is not worth the hassle! Don't bother with it. You can still gt Kohl's Cash and coupons without this credit card. Don't waste your time.

1 year ago

They lost my check that I sent. Charged me a fee. I had the fee reversed. And then they charged me a fee that was double the original fee because I didn't pay the original fee "on time," the original fee that was reversed. Just continued bad customer service!!!!!!!


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