The Kohl's Card: Is It Worth It? [Rewards & Perks]

06 May, 2025

Is the Kohl's Credit Card a worthwhile addition to your wallet, or a potential pitfall? Navigating the landscape of store credit cards can be tricky, and understanding the nuances of the Kohl's Card is key to making an informed decision.

The Kohl's Card, designated with an asterisk, operates as a store credit card, restricting its use solely to purchases made within Kohl's stores and on Kohls.com. This immediately distinguishes it from more versatile credit cards that can be used anywhere. Alongside this, Kohl's Cash, another form of reward, is exclusive to Kohl's and has a limited lifespan, typically expiring within 30 days of issuance. The comparison with cards like the Target Circle Credit Card highlights this difference; while some offer straightforward discounts, the Kohl's Card employs a more complex system.

Here's a concise overview of the Kohl's Card's primary features:

Feature	Details
Card Type	Store Credit Card (usable only at Kohl's)
Rewards	7.5% back on all Kohl's purchases
New Cardholder Benefit	40% discount on a single purchase (upon approval)
Additional Benefits	Access to 12 special offers per year; 35% discount on the first Kohl's charge card purchase.
APR	Typically higher than most credit cards, varies with the prime rate.
Issuing Bank	Capital One

For reference and further information, please visit the official Kohl's website.

The allure of the Kohl's Card lies in its potential for maximizing rewards and discounts, particularly for frequent shoppers. Cardholders have the opportunity to earn 7.5% back on all Kohl's purchases, which can translate into significant savings over time. Moreover, new cardholders are often enticed with a generous 40% discount on a single initial purchase. This can be a substantial incentive to open an account, especially if a major purchase is already planned.

However, it's crucial to weigh the benefits against the potential drawbacks. The APR (Annual Percentage Rate) on store credit cards is often higher than that of general-purpose credit cards. This means that if you carry a balance, the interest charges can quickly erode the value of any rewards earned. Since the card is a store card, the apr (annual percentage rate) is typically higher than most credit cards and will vary with the prime rate. Furthermore, the card's exclusivity to Kohl's means it lacks the flexibility of a card that can be used anywhere. The kohl's credit card * is intended for applicants with fair credit.

The application process itself may also vary. Kohl's states that instant approvals are possible, while other applications might require a waiting period of 7 to 10 days for further review. The card is a good credit card for people with fair credit or better who shop at kohls regularly. For some, the ability to quickly unlock significant discounts may outweigh any downsides.

The experience of using the Kohl's Card can be a mixed bag, as illustrated by real-world scenarios. One user reported an encounter where a cashier initially presented the card as offering a huge discount, only to retract the offer later. These kinds of experiences underscore the importance of carefully understanding the terms and conditions before applying for the card.

Several avenues are available for managing your Kohl's Card account. Checking your balance is simple, whether through the Kohl's mobile app or by logging into your online account. You can pay online either through your kohls credit card account or through the mobile app. The options for paying your bill are varied, including online payments, in-store payments via cash, check, debit card, or money order. The kohls charge card offers 7.5% cash back on every purchase, a 35% discount on your first purchase, and other promotions and discounts.

Customer service is also accessible. How to talk to kohl's credit card customer service by phone, you can also reach out to customer service by phone. To manage your kohls credit card online, visit the kohls website and create an account. This will enable you to track your spending, make bill payments, and review reward earnings all in one place. You can also contact the customer service team.

If you are looking to cancel your Kohl's Card, it's important to understand the process. How to cancel a kohl's credit card 1, you must first ensure that your balance is paid in full to avoid incurring interest and late fees. You will also need to update the payment method for any recurring charges linked to your kohl's credit card. Be aware that if theres a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. It's essential to know that upon credit review, some applicants will be approved instantly, while others may experience a waiting period.

In a real-life example, consider a customer's wife who, in June, purchased a necklace at a Kohl's in San Jose, CA. The associate offered a 20% discount for opening a Kohl's Card, indicating the incentive structure in place for encouraging card sign-ups. Moreover, three Kohl's rewards members earn kohls rewards at a rate of 7.5% of the transaction subtotal for qualifying purchases when using their kohl's card at kohls stores or kohls.com. Kohls rewards members will earn 5% with any other tender type. Qualifying purchases are calculated after all discounts and/or coupons are applied, before

Ultimately, the decision of whether to apply for a Kohl's Card depends on your individual shopping habits and financial discipline. The Kohl's credit card is a good credit card for people with fair credit or better who shop at kohls regularly. If you are a frequent Kohl's shopper, the rewards and discounts can be valuable. If you spend a lot at kohl's, it could make sense for your wallet, but if not, you'll want to stay away. However, the card's limitations, like the high APR and exclusive usage at Kohl's, should be carefully considered. The kohl's card is a store credit card and can only be used at kohl's. Evaluate how you intend to use the card and whether the benefits outweigh the potential risks before making a decision.

Kohl's Credit Card Reviews Pros & Cons 2024

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