Kohl's Credit Card

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APR
30.24%

Card Summary

The Kohl's credit card is a Capital One co-branded card that offers the best rewards and discounts to frequent Kohl's customers. Cardholders can earn 7.5% on every purchase and get a 35% off a single transaction online or in-store within 14 days after approval.

If you have a balance on the card, it comes with a very high annual percentage rate. Also, rewards are often complicated and can expire quickly.

Kohl's Credit Card Review: This card can be used by people who shop frequently at Kohl's, and they can redeem Kohl Cash before it expires.

Pros

Use the card within 14-days of approval to receive a 35% off a single purchase in store or online.

You can also find out more about Cons

With its high interest rate, carrying a balance can be expensive.

Kohl's Credit Card: How to Get the Most Out of Your Rewards

Shop with your Kohl's credit card and earn 7.5% in rewards. You will see your earnings on your Kohl's Reward balance within 48-hours of making your purchase, unless stated otherwise. Your Kohl's Reward balance will be converted into Kohl's cash in $5 increments on the 1st of the month following your purchase. Your Kohl's Cash will be available for 30 days.

Compare with Other Cards

Chase Freedom Unlimited vs. Kohl's Credit Card

Both cards charge an annual fee.

Kohl's credit card offers 7.5% back for every dollar you spend on Kohl's products. Chase Freedom Unlimited has a more complex reward structure that earns 5% for travel purchases made through the Chase Ultimate Reward portal, 3% for dining and drugstores and 1.5% for all other purchases.

Sign-up Bonus: While there is no traditional sign-up offer with the Kohl's credit card, you will qualify for a discount of 35% on one transaction if you use it within 14 days after approval. Chase Freedom Unlimited offers a 1.5% cashback bonus on all purchases (up to $20,000 in the first 12 months).

Benefits: Kohl's Cardholders have exclusive access to monthly savings. And when you spend at least $600 on your Kohl's Card in a calendar year, you'll be able to unlock the Most Valuable Customer status. Chase Freedom Unlimited offers purchase protection, auto rental collision damage waiver, trip cancellation/interruption insurance and zero dollar liability.

Discover it Cash Back Card vs. Discover it Cashback

Both cards charge an annual fee.

Kohl's credit card offers 7.5% back for every dollar you spend on Kohl's products. Discover it Cashback offers 5% cash back for everyday purchases made at various places, such as Amazon.com and grocery stores. It also gives you a maximum of 5% on gas station purchases.

Sign-up Bonus: While there is no traditional sign-up offer with the Kohl's Credit Card you could qualify for a discount of 35% on an eligible purchase within 14-days after approval. Discover it Cashback does not offer a traditional sign-up bonus. However, Discover will match the cashback you earn in the first year.

Benefits: Kohl’s Credit Card holders get exclusive savings each month. And when you spend at least $600 on your card in a single year, you unlock the Most Valuable Customer status. Discover it Cash Back offers zero-liability protection against fraud, access to your FICO score for free and alerts when your Social Security number appears on a potentially risky website. You can freeze your account if you lose your card or someone steals it.

What are the fees associated with the Kohl's credit card?

The Kohl's Credit Card doesn't allow for foreign transactions or balance transfers.

Why should you get the Kohl's credit card?

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