How the Kohl’s Credit Card Works: Benefits and Rewards

Kohl’s malls, a subsidiary of Kohl’s Corp. (NYSE: KSS), is the second-largest retail chain when it comes to gross sales, behind Macy’s Inc. (NYSE: M). Kohl’s is basically often called a family-friendly retailer that provides high quality clothes merchandise at a low value. It has cultivated a loyal following of customers via its frequent low cost promotions, providing coupons for as a lot as 35% off of retailer gadgets. Like most main retail chains, Kohl’s provides its personal branded retail retailer card that can be utilized solely at Kohl’s shops and at

Key Takeaways

  • The Kohl’s Card can be utilized to make purchases on-line or in shops at Kohl’s areas.
  • Kohl’s Card members can earn rewards on purchases via the Kohl’s Money program.
  • New cardmembers can reap the benefits of a reduction on their first buy.
  • The Kohl’s Card, in addition to different retail retailer playing cards, can cost a better APR in comparison with common rewards playing cards.

How the Kohl’s Credit score Card Works

The Kohl’s Card is a retail cost card, which implies it will possibly solely be used for purchases of Kohl’s merchandise. That features purchases made in Kohl’s shops and on-line. That is totally different from a standard bank card that bears a Visa, Mastercard, American Specific, or Uncover brand.

As with most retail playing cards, the Kohl’s Card comes with a retailer credit score restrict that’s sometimes decrease than the credit score limits issued on common bank cards. The quantity of credit score issued depends upon the credit score standing of the cardholder and may vary from $300 to $3,000, although it tends to be beneath $1,000 for most individuals.

As a result of the Kohl’s bank card is a cost card, the stability is anticipated to be paid in full every month, however cardholders can carry a stability if they’re prepared to pay the variable annual proportion charge (APR), which was 28.99%, as of October 2022. The cardboard doesn’t cost an annual payment, although you might pay a late payment or returned fee payment.

Kohl’s Card Advantages and Perks

The Kohl’s Card is not a rewards bank card. Nevertheless, you possibly can nonetheless earn rewards on purchases when you’re a member of the Kohl’s Money rewards applications. Kohl’s Money permits customers to earn credit score towards purchases. For instance, you possibly can earn $5 of Kohl’s Money whenever you spend $50 on merchandise. Moreover, Kohl’s has provided promotions for brand spanking new cardmembers, equivalent to a 35% low cost in your first buy utilizing your new Kohl’s card.

Kohl’s Money promotions are provided periodically and are generally accessible solely to Kohl’s cardholders. Kohl’s permits for reductions and promotions to be stacked on prime of one another, which may end up in super financial savings. For instance, a buyer might mix a 30% low cost supply with Kohl’s Money on any buy. Kohl’s usually provides cash-off coupons, equivalent to $10 off purchases of $30 or extra. These could also be mixed with different reductions, in addition to Kohl’s rewards applications.

Kohl’s cardholders take part in all of those reductions and rewards applications identical as all customers can. Nevertheless, cardholders obtain further provides for retailer reductions of 10% to 30% annually. As well as, Kohl’s offers new cardholders 35% off their first buy, which could be mixed with some other retailer reductions. When you change into a Most Valued Buyer by spending greater than $600 through the 12 months, you obtain six further low cost provides, together with an annual birthday reward and free delivery promotions.

Who Makes use of the Kohl’s Card?

Kohl’s has cultivated a loyal following of customers via its low cost choices and shopper rewards applications, which, when mixed, may end up in large financial savings. Due to the supply of 35% off the primary buy on prime of all different reductions, utilizing a brand new Kohl’s bank card is attractive for a lot of customers.

A retail retailer card just like the Kohl’s Card could possibly be an excellent possibility for somebody who’s new to constructing credit score or making an attempt to reestablish optimistic credit score historical past. Retail retailer playing cards are sometimes simpler to qualify for than conventional bank cards are.


As with a standard bank card, paying your Kohl’s Card invoice late might end in detrimental credit score reporting and value you credit score rating factors.

Kohl’s Card Professionals and Cons

By way of the professionals, probably the most engaging function of the Kohl’s Card is the preliminary low cost that is accessible to new members who’re making their first buy. When you plan to buy a pricier merchandise from Kohl’s, the low cost might add as much as some substantial financial savings.

After that, there isn’t a actual profit of getting a Kohl’s card apart from its particular low cost provides all year long. For Kohl’s customers who thrive on the flexibility to stack reductions, which may be sufficient of a cause to have it. For individuals who don’t store at Kohl’s continuously, a daily cash-back rewards bank card may serve them higher.

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By way of the downsides, it is essential to remember the fact that the Kohl’s cost card is a retail retailer card. Retail retailer playing cards have a number of drawbacks, together with the truth that they’re usually issued as subprime credit score, that means that you simply pay a excessive APR when you carry a stability.

Moreover, retail retailer playing cards are sometimes issued with low credit score limits, which isn’t essentially a foul factor as a result of it will possibly preserve you from overspending. Nevertheless, in case you are used to receiving $5,000 credit score strains from a bank card issuer, you is likely to be disenchanted within the credit score line you obtain from Kohl’s.

Lastly, as a result of it doesn’t supply a rewards program exterior of the one accessible to all customers, the Kohl’s Card might not be of a lot profit to you when you do not store there usually. You may think about using a rewards card that lets you earn money again on all of your division retailer purchases as a substitute.


When evaluating cashback or different conventional rewards playing cards choices, take note of how rewards are earned in addition to the annual payment to make sure the cardboard matches your spending habits and elegance.

The Backside Line

The Kohl’s Card is just like different retail retailer playing cards in terms of options, advantages, and prices. Including a retail retailer card to your pockets might make it easier to construct credit score, although a secured bank card could possibly be a greater possibility when you can give you the money for an preliminary deposit. Earlier than making use of for the Kohl’s cost card or some other retail retailer card, take into account how usually you propose to make use of it and the way probably you’re to pay your stability in full to keep away from steep curiosity expenses.