Kohl's Credit Card

Kohl's Credit Card is a Store Credit Cards.

Kohl's credit card is designed for frequent users on Kohl's stores. Kohl's is an American department store chain run by Kohl's Company. As of February 2013, it has 1158 branches and is the largest department store chain in the United States. Kohl's launched various promotions to attract customers, such as Kohl's Cash. The company also offers Cole's credit card, which you can only use in its department stores and websites. Kohl's credit cards offer many benefits in addition to providing fairly easy credit.

Advertiser Disclosure

Kohl's Credit Card List

Kohl's Credit Card

  • 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.

Sponsored Links
Sponsored Links


If you want more cash back, you can choose Citizens Bank Cash Back Plus™ World MasterCard.

Citizens Bank Cash Back Plus™ World MasterCard

  • Unlimited 1.5% cash back on every purchase with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account
  • Take advantage of both bonuses to earn 1.8% cash back
  • 0% introductory APR on balance transfers for 12 billing cycles, thereafter a 14.99%, 17.99% or 20.99%, variable APR based on your creditworthiness
  • Variable purchase APR of 14.99%, 17.99% or 20.99% applies from account opening based on your creditworthiness
  • No annual fee*
  • No foreign transaction fees
  • No penalty APR for late payments
  • Extended Warranty Protection doubles the original manufacturer%u2019s or store brand warranty for up to two years
  • Price Protection for 120 days from purchase
  • Concierge Services
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • MasterRental Insurance for collision, loss or damage
  • Zero Liability Protection against unauthorized purchases
  • Travel accident and baggage delay insurance
  • 24/7 online account management
  • Make purchases using Apple Pay%u2122 in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases
  • Balances count toward Circle Gold checking monthly combined balance
  • Year-end summary statement

If you want to save money in your common purchases, you can choose USAA Rewards™ American Express® Card.

USAA Rewards™ American Express® Card

  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date or caps on any points earned.
  • Redeem points for cash, merchandise, gift cards, travel or donations to the military affiliate group of your choice.
Sponsored Links

What Credit Cards Are Available? (1)

Kohl's Credit Card Kohl's Credit Card
Sing-Up Bonus Yes
Annual fee $0
30% off first Kohl’s purchase
“At least 12 Special Offers every year…”
15% discount when the card arrives
Opportunity to become a Most Valued Customer
1:1 Kohl’s purchases

Information About Kohl's Credit Card You Need to Know

Kohl's Credit Card is a "closed-loop" store card, meaning you can use it only at Kohls. The interest rate is quite high-21.9% an s of February 2017, so it's not a card you'd like to carry a balance on.

Many store cards, such as the Amazon Prime Store Card, offer cardholders a discount on every purchase. The Kohl's card is different. Instead of knocking off 5% or so at checkout, Kohl's runs regular promotions and "secret sales" to give cardholders extra opportunities to shop at a discount. These promotions take several forms:


The holder of Kohl's account card receives a crossed coupon once a month. Coupons can be discounted by 15%, 20% or 30% within a limited period of time. The company says the discount amount is random, but according to market research, if they shop regularly, they get better coupons. Usually, the validity of e-coupons is limited, starting a few days after receiving an e-mail.


Kohl often holds promotions, and shoppers get a $10 coupon for every $50 they spend. The coupons are redistributed at the time of purchase, but it will take several days for them to take effect. In this way, shoppers and shopping centers will produce consumption stickiness, not just turn around and spend money.


The company's rewards program pays points when you make purchases in a Kohl's store or online. The points can be exchanged for coupons. You don't have to be a Kohl's Charge card holder to participate in the program.


Although most of them are not exclusive to Kohl's Charge customers, Kohl's does run other sale s events. Customers are notified via email alerts, mailers, in-store signs and sometimes scratch-off coupons available at the register.

About Kohl's Credit Card login, you need to go to the Kohl's official website.

Should You Get Kohl's Credit Card?

If you're already a loyal supporter of Kohl, he knows all the secrets of shopping there, from using Wi-Fi surprise coupons in stores to watching retailers'night owls and early bird specials, you need to buy one. If you shop regularly in Kohl's to use the reward certificate before its expiration date, you need to get Kohl's, credit card. In addition, if you are someone who wants to improve your credit, you need to get Kohl's credit card.

Kohl's credit card is a solid credit card product if you plan to pay off the balance every month and have the time and desire to shop on a specific date to take advantage of your credit card benefits. If these two conditions do not apply to you, you'd better look elsewhere for a better comprehensive credit card.

What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards offer in-store discounts, allow cardholders to earn and redeem points when making purchases.

There are two basic types of retail store credit card:

  • Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.

  • Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.

For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.

What are the benefits of store credit cards?

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Open-loop cards can be used anywhere as normal credit cards.

What are the drawbacks of a store credit card?

Low credit limits

This means that you have the risk of going over your credit limits.

High interest rates

Most store credit cards’ interest rates are higher than the industry average (17%).

Closed-loop cards are limited to single store

Many store credit cards can only be used at their store or online shop. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card.

Customer service problems

Some store credit cards are not issued by major cards issuers, so the quality of customer service is difficult to guarantee.

Some store credit cards can’t be used for balance transfers

What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

You May Also Like

About Kohl's Credit Card

By now, it's a shopping standard: you get up to the check-out counter and the associate asks if you want to save money by signing up for the store's branded credit card.

Well…of course you want to save money. But is the credit card really worth it?

In this review, we're taking a serious look at Kohl's and their Kohl's Charge card to answer that question.

About Cards-Offer

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why Cards-Offer born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
Join Cards-Offer Newsletter Now!

Never miss a good chance to get a better Credit Card. Get top Credit Card Notifications from more than 100 Credit Card Categories!

We will not share your email in any cases.

Popular Credit Card