WalletHub Rating
4.3/5
The Kohl’s Credit Card is a good credit card for people with fair credit or better who shop at Kohl’s regularly. The Kohl’s Credit Card can only be used for Kohl’s purchases, but it’s still worthwhile because new cardholders have 35% discount on their first purchase and earn 7.5% in Rewards on every other purchase. The card also has a $0 annual fee and provides various other savings opportunities. Info about the Kohl's Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.8/5
1,471 reviewsRead and write reviews
Editor’s Review
4.8/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
4.2
Cost
4.5
Other Features
0.0
4.3/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
31.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Save 35% on your first purchase using your new Kohl’s Credit Card within 14 days of credit approval.
Earn 7.5% back in rewards on every qualifying purchase made at Kohl with your new card. Enrollment required.
Cash promotional events from time to time. During these events, select purchases earn an additional $10 for every $50 spent in a single transaction during the event.
Enjoy a special anniversary offer every year.
This card entitles you to extra savings offers throughout the year.
Spend $600 with your card by the end of the year to receive additional offers throughout the year and enjoy monthly free shipping events.
Kohl's Credit Card's Additional Info
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Use your Kohl's Cash® with your Kohl's Charge discounts.
show more
at Capital One's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
May 22nd, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Kohl's Credit Card Pros & Cons
No membership fees
35% discount initial rewards bonus
Qualify with fair credit
High regular APR
Kohl's Credit Card Review
4.8 / 5
The Kohl’s Credit Card is a good credit card for people with fair credit or better who shop at Kohl’s regularly. The Kohl’s Credit Card can only be used for Kohl’s purchases, but it’s still worthwhile because new cardholders have 35% discount on their first purchase and earn 7.5% in Rewards on every other purchase. The card also has a $0 annual fee and provides various other savings opportunities.
Kohl's Credit Card Review Highlights
Awesome initial discounts
You get at least 35% off the first purchase made within 14 days of credit approval with your Kohl’s Store Credit Card. In other words, the Kohl’s Credit Card follows up one of the best initial discounts in its category with another discount that would be pretty darn good even on its own. That’s a difficult combination to beat.
Special offers andpurchase rewards
The Kohl’s Credit Card entitles you to several “special offers” throughout the year and 7.5% back in rewards on every qualifying purchase you make at Kohl’s. Plus the fact that you can earn an additional $10 for every $50 spent during a Kohl's Cash earn period, makes it a pretty good deal if you shop frequently at Kohl’s.
No annual fee
The Kohl’s Credit Card, like nearly all other store cards, does not charge an annual fee. This saves you about $22.29 per year compared to the average credit card, according to WalletHub research. And it makes it easier to justify opening a credit card just for purchases from a single retailer
Average APR
The Kohl’s Credit Card APR is above the 30.16% charged by the average store credit card. Both figures are quite high, however, as the average credit card offer overall has a 22.89% APR, according to WalletHub’s latest Credit Card Landscape Report. As a result, you should try to always pay your Kohl’s Card’s monthly bill in full.
Fair credit required
You need at least fair credit to get approved for the Kohl’s Rewards Credit Card, which is standard for retailer-affiliated plastic. You can gauge your odds of approval by checking your credit score for free on WalletHub.
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Kohl's Credit Card Video Review
Compare The Kohl's Credit Card vs. Popular Alternatives
 Kohl's Credit Card |  Wells Fargo Active Cash® Card |  Capital One Walmart Rewards® Mastercard® |
|---|---|---|
4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.8 User Reviews 3.8 Market Comparison 4.3 fees: 5.0 rewards: 4.2 cost: 4.5 Other Features: 0.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.2 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.3 Market Comparison 4.3 fees: 5.0 rewards: 0.0 cost: 5.0 Other Features: 4.5 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months from account opening | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5) | transfer intro aprNot Offered |
Regular APR31.24% (V) | Regular APR20.24% - 29.99% Variable | Regular APR19.48% or 29.99% (Variable) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Kohl's Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
11
Upvotes
How do I apply for the Kohl's Credit Card?
Reply
11
Ashley Wade, WalletHub Analyst
@shlee
The easiest way to apply for the Kohl's Credit Card is online. You'll need to provide some personal information, but it shouldn't take you more than a few minutes to complete the application.
You can also apply for a Kohl's Credit Card in-store, by talking to a cashier or customer service agent. They will give you a paper application form, and you'll need to provide the same information as you would online. You cannot apply for this card over the phone.
How to Apply for a Kohl's Credit Card Online
- Go to the Kohl's Credit Card website.
- Click the “Apply Now” button.
- Fill out your name, address, phone number, Social Security number, date of birth, annual gross income, and email address.
- Review the disclosures. This tells you your interest rate and other important information.
- Click “Review,” and review your application.
- Submit your application. You will often get a decision instantly.
Keep in mind that the Kohl's Credit Card requires at least fair credit for approval. If you are unsure about getting approved, you can check to see if you're pre-qualified for the Kohl's Credit Card first.
3
2
Upvotes
What credit score do you need for the Kohl's Credit Card?
Reply
2
2
Maria Adams, Credit Cards Moderator
@m_adams
The credit score you need for the Kohl's Credit Card is 640 or higher. That means people with a least fair credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Kohl's Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent...
2
1
3
Upvotes
Does the Kohl's Credit Card have pre-approval?
Reply
3
1
Chip Lupo, Credit Card Writer
@CLoop
Yes, the Kohl's Credit Card does have pre-approval. Current issuer customers may also receive pre-approved offers periodically by e-mail. And in some cases, issuer will mail people pre-approved offers for a specific credit card.
Getting pre-approved for a Kohl's Credit Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for Kohl's Credit Card Pre-Approval Online
- Click...
4
Upvotes
What are the benefits of using a Kohls card?
Reply
4
Chip Lupo, Credit Card Writer
@CLoop
The benefits of a Kohl's Card include a 35% discount on your first purchaseand 7.5% in rewards on qualifying Kohl's purchases. This card also offers $0 fraud liability protectionand monthly credit bureau reporting, which are relatively common credit card benefits.
Kohl's Credit Card Benefits
- 7.5% in rewards on qualifying Kohl's purchases
- 35% discount on your first purchase
- $0 fraud liability protection
- Monthly credit bureau reporting
While these benefits aren't bad, the Kohl's Credit Card doesn't have as many benefits as a lot of the other credit cards...
8
Upvotes
Where can I check my Kohl's Credit Card application status?
Reply
8
2
Thomas Antonsson
@tomtom5
You can check your Kohl's Credit Card application status anytime by calling(800) 564-5740. The issuer does not provide a tool to check your application status online at the moment.
If you applied for a Kohl's Credit Card and did not receive instant approval, the issuer will send you a response by mail within 7-10 days. However, sometimes it may take the issuer up to 30 days to make a ruling. If you are approved, your Kohl's Credit Card should be...
1
1
8
Upvotes
How do I make a Kohl's Credit Card payment?
Reply
8
2
Chip Lupo, Credit Card Writer
@CLoop
You can make a Kohl's Credit Card payment online, by phone, through the Capital One mobile app, by mail or at a branch. To pay a Kohl's Credit Card bill online, log in to your online account and click on “Pay My Bill.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital One does allow cardholders to set up automatic payments, too.
Ways to Make a Kohl's Credit Card Payment
- ...
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2
Upvotes
What is the customer service phone number for Kohl's Credit Card?
Reply
2
Peter Danes
@p_danes
The customer service phone number for Kohl's Credit Card is (855) 564-5748. You can call customer service from Monday through Saturday from 7 a.m. until 9 p.m. CT, and on Sundays from 10 a.m. until 8 p.m. CT.
You can also use Kohl's online chat function on their website to get help with their credit card. You can either chat with Kohl's Virtual Assistant or get connected with a live agent. Simply click the "Ask Us" button in...
2
Upvotes
How much is the starting Kohl's Credit Card credit limit?
Reply
2
Stacy Wong
@stacy_wong
The starting credit limit for the Kohl's Credit Card is $300. So everyone who gets approved is guaranteed $300+ in spending power.
But you could get more, because your credit limit will be determined based on your credit score, income and overall creditworthiness.
If you're not satisfied with your credit limit, you could request an increase online or by calling 1-800-955-7070 once your account has been open for at least 3 to 6...
1
2
Upvotes
How do I check my Kohl's Credit Card balance?
Reply
2
Cassy Diaz
@cassy_diaz
You can check your Kohl's Credit Card balance either online or by calling customer service at (855) 564-5748. It's also possible to check your Kohl's Credit Card balance through Kohl's mobile app.
Here are some more details on how to check your Kohl's Credit Card balance:
- To check your balance online, log into your Kohl's account to see your Kohl's Credit Card's balance.
- To hear your balance, call (855) 564-5748 or the number on the back of the card. Then, follow the prompts...
Upvotes
Can I pay my Kohl's Credit Card bill by phone?
Reply
Chip Lupo, Credit Card Writer
@CLoop
Yes, you can pay your Kohl's Credit Card bill by phone. To make your Kohl's Credit Card payment over the phone, call the number on the back of your card and follow the instructions from the automated menu, then enter your payment information. The process should only take a few minutes.
How to Pay Your Kohl's Credit Card Bill by Phone
- Call Kohl's at the number on the back of your card.
- Follow the automated menu options...
2024 WalletHub Awards
Kohl's Credit Card is an Editor's Pick for:
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Kohl's Credit Card Reviews
Share your insights and review for the Kohl's Credit Card
5
41%
4
27%
3
14%
2
7%
1
10%
3.8
1,471 reviews
1,471 reviews
What's Your Rating?
Most Recent
lsvgsmarys
@lsvgsmarys
1 Star Rating
I haven't had anything on my credit report in over 10 years. For my Kohl's card, I went to make the payment using my debit card, but they wouldn't let me. They said it had to be from my bank account, but I didn't have any money left in my bank at the time. They said I would have to come in to make a payment. I have been sick, so I couldn't go in to make the payment, and then I was late, and they reported it to the credit bureau. I will be closing my account and never using it again.
Comment
sam chow
@tohellwithkohl
1 Star Rating
Kohl's will persuade you to apply for their card, and in-store, they will encourage you to make purchases on credit even if you are prepared to pay with your own credit card. Then, they'll charge a $40 penalty with 8% interest every month if you overlook or miss a payment. If you prefer receiving your bill via email, they will insist on sending paper bills. If you miss one, be prepared for interest charges and a late payment penalty that could exceed your original due amount. For example, making a purchase of $250, you need to pay by a certain date each month without any payment reminders. If you miss this, a $40 fee will be added for the missed payment, and in three months, you will accrue an additional $120 plus 8% interest every month on top of your due amount. To top it off, it will also lower your FICO score. So, shop at your own risk.
Comment
Randy M Fazio
@randyfazio57
5 Star Rating
This is a great store with incredible savings. I pay this card off in full. I like how they work. This is a great place to have a charge card
Comment
Kimberly
@fowlerkimberly859
5 Star Rating
Tara, my fiancé LOVED her Kohl's card. I closed the account completely by mistake. My emotions got the best of me when I couldn't get the answers I needed. We will be opening a another card soon. Kohl's is a great company to deal with. I would recommend it to everyone.
Comment
1
isaacpittmanworship
@isaacpittmanworship
5 Star Rating
Such a great card and company. I would highly recommend applying for this card and use it to its full potential. Great kick backs too!!
Comment
Winston
@dirtywork54
5 Star Rating
I haven’t used this card in a while, but when I did use it, it worked perfect for me. Never had a problem. The products associated with this card and the service it’s top-notch. I really appreciate the way I am treated at the store.
Comment
Robyn
@mastersoncrobyn
5 Star Rating
I have this card in case I need something I don’t have. I don’t use it constantly and it works well for me. Besides I love their cloths and they have good clearance deals.
Comment
Laura
@imlnd83
5 Star Rating
I love my kohls card! I love to shop with it at Kohls and get clothes and other needs that I want!! I can’t wait to come to kohls and shop again with my kohls card
Comment
doggiestoregalore
@doggiestoregalore
3 Star Rating
My only complaint is you call to collect way too much. Two calls every day is too much. .
Comment
Randy
@randyb_118
5 Star Rating
I keep, and I use my Kohl’s card, because for those items I do purchase, almost always, their Dry Tech Tees, I receive up to 30% off, but only if I purchase w/my card.
Comment
Review Kohl's Credit Card
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