July 15, 2024

In the event you’ve ever shopped at a retail clothes retailer, likelihood is an worker has inspired you to join the shop bank card or cost card. Whereas these playing cards normally have a number of advantages, they generally have excessive charges or different limitations.

The Kohl’s Cost Card is obtainable to Kohl’s prospects, and it consists of money again, month-to-month free delivery, and different reductions. On this Kohl’s Cost Card overview, we’ll see how this card stacks up and whether or not it’s value including to your pockets.

TIME’s Take

The Kohl’s Cost Card earns 7.5% money again on each buy, plus 35% again in your first buy. Whereas that’s attractive, you’ll be able to earn 5% money again by merely signing up for Kohl’s Rewards. The Kohl’s Cost Card gives some further advantages, however its excessive APR makes it robust to suggest for all however essentially the most intensely loyal Kohl’s prospects.

Who’s the cardboard for?

The Kohl’s Card is ideal for frequent Kohl’s buyers. It consists of unique reductions, particular gives, and promotions.

The Kohl’s Cost Card can be most fitted for many who repay their balances each month. It has a variable 30.74% APR, which signifies that carrying a steadiness on this card is dear.

In some situations, this card may be good for constructing credit score. As a result of you’ll be able to solely use the cardboard at Kohl’s shops, working up a steadiness is harder. In the event you spend small quantities on the cardboard and pay it off each month, it can provide your credit score rating a lift.

Whether or not this card is best for you depends upon your funds, spending habits, and objectives. Generally, it’s finest for many who can take full benefit of the cardboard’s advantages.

Kohl’s Cost Card overview abstract: execs & cons


  • Excessive money again charge on in-store purchases
  • Potential to stack Kohl’s Card reductions with Kohl’s Money®
  • No membership charges


  • Can’t use outdoors Kohl’s shops
  • Common APR is excessive
  • Can solely redeem throughout redemption dates

Rewards construction

For essentially the most half, the Kohl’s Cost Card has a easy rewards construction. Right here’s what you’ll be able to earn as a cardmember:

  • 7.5% money again on each buy.
  • 35% off in your first buy inside 14 days of card approval.
  • $10 for each $50 spent throughout Kohl’s Money earn durations.
  • Further financial savings coupons
  • Receipt-free returns on purchases
  • Month-to-month free delivery alternatives

You may also mix Kohl’s Card advantages with Kohl’s Money. This implies you’ll be able to nonetheless earn Kohl’s Money along with your different card advantages throughout incomes durations. In different phrases, you’ll be able to doubtlessly get huge financial savings by utilizing your Kohl’s Card throughout particular gives and promotions.

Further hidden perks

There may also be hidden perks that include the Kohl’s Cost Card. These are usually a part of limited-time promotions and would possibly embody:

  • Unique reductions, together with share reductions on purchases or flat dollar-amount reductions on sure gadgets or classes.
  • Particular anniversary gives or reductions for cardmembers.
  • Bonus rewards or incentives for particular spending classes or gadgets. These would possibly embody further reductions, further Kohl’s Money, or different rewards.

As talked about, these hidden perks are sometimes limited-time gives. Look ahead to mailers that embody details about unique reductions and promotions.

What might be improved

The obvious space of enchancment for this card is its restricted usefulness—it may be used solely in Kohl’s shops. Whereas that is typical for a retailer bank card, it means you’ll be able to’t use the cardboard or earn money again anyplace outdoors of Kohl’s shops or on Kohl’s.com. Redeeming Kohl’s Money is much more restricted, as you’ll be able to solely accomplish that throughout redemption durations famous on the Kohl’s Money Coupon or within the e-mail you obtain after buying on-line or on the kiosk. Due to this, you might solely be capable of redeem Kohl’s Money for a short interval.

This additionally signifies that the Kohl’s Cost Card doesn’t ship the advantages of many different bank cards, resembling the flexibility to switch to journey companions. Whereas it does embody a welcome supply of 35% off your first buy, that received’t be as profitable as different welcome gives until you spend a considerable quantity. For instance, to match the worth of the $200 welcome supply on the card_name, you would need to spend about $571 or extra.

Lastly, the common APR on this card is excessive at 30.74%. Carrying a steadiness on this card is dear. It could be good to see an APR extra in keeping with the options listed within the subsequent part.

Evaluating options to Kohl’s Cost Card

Costco prospects and individuals who spend loads on gasoline, EV charging, and eating out.

Backside line

The Kohl’s Cost Card gives 7.5% money again on each buy, a 35% low cost in your first buy, and different promotions and reductions. Nonetheless, it has a excessive APR and might’t be used outdoors Kohl’s shops. It additionally lacks different advantages, resembling free delivery. 

This card could also be a sensible choice for normal Kohl’s prospects. Nonetheless, for almost all of different individuals, one of many extra well-rounded options listed above most likely makes extra sense.

Continuously requested questions (FAQs)

How do I apply for the Kohl’s Credit score Card?

You possibly can apply for a Kohl’s Credit score Card by visiting the Kohl’s web site. You may also use the web site to see in the event you pre-qualify for the cardboard.

What credit score rating do you want for the Kohl’s Credit score Card?

Bank card issuers use quite a lot of elements to find out creditworthiness, so Kohl’s doesn’t say you want a sure rating to use. Nonetheless, some studies recommend it’s best to have no less than honest credit score to extend your approval odds.

How can I qualify for Kohl’s Credit score Card pre-approval?

Kohl’s permits anybody to pre-qualify on its web site. Pre-qualifying received’t impression your credit score rating.

The place can I examine my Kohl’s Credit score Card software standing?

Kohl’s doesn’t present a web based device to examine your software standing. Nonetheless, you’ll be able to examine by calling (800) 564-5740.

How do I make a Kohl’s Credit score Card cost?

You can also make a cost on the Kohl’s web site or app or by cellphone, mail, or in-store.

What’s the customer support cellphone quantity for Kohl’s Credit score Card?

The customer support quantity for Kohl’s Credit score Card is (800) 564-5740.

How a lot is the beginning Kohl’s Credit score Card credit score restrict?

Kohl’s doesn’t say how a lot the minimal credit score restrict is. Nonetheless, studies recommend the beginning credit score restrict is about $300.

How do I examine my Kohl’s Credit score Card steadiness?

You possibly can examine your steadiness by logging in to My Kohl’s Card. After getting entry to your account, you’ll be able to view your transactions, funds, and extra.

The knowledge offered right here is created independently from the TIME editorial workers. To study extra, see our About web page.