How to apply for a kohl’s credit card online

Kohl’s is the largest department store retail chain in the United States of America. With stores in close to 1,200 locations, operating across all states in the US, except for Hawaii, Kohl’s has established itself as one of the big names in the market.

Owing to its repute and popularity, customers are drawn to Kohl’s stores to meet their basic every day needs right from clothes, shoes, home décor, kitchen appliances, and other home essentials. Thus, possessing a Kohl’s Card adds to the savings that can be derived from these diverse purchases.

If you are a frequent customer at Kohl’s you must check out the exciting features and benefits provided by Kohl’s Charge Credit Card. Here is how you can apply for the card online along with the different benefits that you can derive from it.

How to apply for a kohl's credit card online

Kohl’s Charge Card Features

Extra Savings Offers

Kohl’s is known for its exciting in-store offers that draw and retains its customer base. However, applying for the Kohl’s Charge card will give you exclusive access to extra savings offers throughout the year. For instance, you will receive a 35% discount on your first purchase with the card.

Anniversary Offers

Who does not enjoy feeling special on their anniversaries? Keeping up with the celebrations, customers who possess the Kohl’s Charge card are entitled to enjoy a special anniversary offer each year.

Combining Discounts with Cash and Rewards

A striking feature of the Kohl’s Charge card is that it allows you to combine your card discounts with the cash and rewards. Thus, you can collect discounts and utilize them as per your convenience.

Kohl’s Card MVC

You can also become a Most Valued Customer (MVC) at Kohl’s if you spend more than $600 with your Charge card annually. As an MVC, you can enjoy exclusive services such as customized birthday gifts and monthly free shipping events.

Pros and Cons of the Kohl’s Charge Card

One of the advantages of possessing a Kohl’s Charge Card is that you receive at least 12 special discounts each year. Additionally, the benefits of this card supplement the benefits of the Yes2You and Kohl’s Cash Rewards program.

Perhaps the major drawback of this card is that it comes with a very high purchase rate APR. Moreover, you cannot earn any extra rewards directly apart from those that are already offered.

Kohl’s Charge Card Fees

When applying for this card, it is important to be aware of the fees and the interest charged. Below is a list of fees that come with Kohl’s Charge Card.

  • The APR for purchases stands at 26.49% variable. This APR is subject to vary with the market based on the Prime Rate
  • There are no annual fees, i.e. the annual fee is $0
  • The penalty fees for late payment and returned payment extend up to $38

How to Get a Kohl’s Charge Card

You can apply for a Kohl’s Charge Card by visiting the customer service desk at any of their stores. However, an easier method is to apply for the card online through the designated official website of the organization.

When you browse through the website, you will come across two options; sign in to your account and register your Kohl’s card. Based on the relevance, you can select the best-suited option.

On the same page, you will find the Apply Now tab. Clicking on this will redirect you to the application page. The application entry form is a brief questionnaire wherein you will have to enter basic details such as your name, contact details, correspondence address, and income details.

Thereafter, go through the important disclosures and click on Review. Recheck your application and click on Submit. You will receive your decision within a few minutes.

Kohl’s Address and Contact

To find out more about the Kohl’s Charge card, it is advisable to contact the organization directly. Kohl’s can be contacted using the following details.

Address

Corporate Headquarters
Kohl’s, Inc.
N56 W17000 Ridgewood Drive
Menomonee Falls, WI 53051

Phone

How to apply for a kohl's credit card online

The Bottom Line

If you are a regular customer at Kohl’s departmental stores, then you should check out the Kohl’s Charge card to avail extra discounts and offers.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

Credit score preventing you from successfully applying to Kohls Credit Card? Get your free consultation, and see if we can boost your score (before you apply)!

Kohls Credit Card is a great Credit Card if you have fair credit (or above). Their APR is quite high (above 20%). If you’re looking to apply, we recommend at least a 630 credit score. If you’re not sure what your Credit Score is, apply for a report, here.

Get Your Free Consultation (Before Applying To Kohls Credit Card)!

If you applied (and got denied), your score may not be high enough to get approved. If your credit score is preventing you from qualifying for this card, we strongly recommend signing up for a fast, free consultation. One of our friendly Credit Repair specialists can help you determine if you can boost your score (and fix your credit), so you can get approved!

Credit Glory is a credit repair company that helps everyday, hard-working Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items (from their credit report). We empower consumers with the opportunity and knowledge to reach their financial dreams in 2020, and beyond!

Benefits Of Kohls Credit Card

Some of the benefits of having a Kohl’s credit card include 35% off your first purchase, access to year-round savings, and the ability to combine Kohl’s cash rewards and charge discounts.

How To Apply For Kohls Credit Card

Applying for a Kohl’s credit card is easy. You can apply online at www.kohls.com.

How To Complete Payment For Kohls Credit Card Online

Making payments on your Kohl’s credit online is easy. All it takes is logging into your “My Kohl’s Charge Registration” and hit “pay now.”

Kohls Credit Card Approval Odds (What Are You Chances?)

You need to at least have fair credit to get approved for a Kohl’s credit card. If your credit score is 640 or higher, you have good chances of getting approved.

Kohls Credit Card Customer Service Phone Number

Customer service for Kohl’s credit cards can be contacted at 1 (800) 564-5740.

What Is Kohls Credit Card?

A Kohl’s credit card is a retail charge card. That means you can only use it for purchases at Kohl’s.

I’ve been wanting to apply for a Kohls charge, and since Im going shopping there tonight I figured Id apply online and see if I could open an account. Well to my surprise I just applied and was approved. I only got a $400 credit limit, but since most of my other cards are in the $300-750 range I wasnt that disappointed. Im not sure of my score or what they pulled yet but Im in the 650 range for EX/EQ.

My question is, I know its usually better to apply in store for better CL’s (I was just too shy to). has anyone had luck calling a backdoor # or going in store and getting in increase on their limit after applying?

Starting Score: EQ: 590 TU: 599
Current Score: EQ: 642 TU: 683
Goal Score: 720 by 12/31/10

  • All forum topics
  • Previous Topic
  • Next Topic
  • « Previous
    • 1
    • 2
  • Next »
  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content
  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

Starting Score: EQ: 590 TU: 599
Current Score: EQ: 642 TU: 683
Goal Score: 720 by 12/31/10

  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

Kohls uses EX/Vantage. Knowing your FICO is not at that helpful for this one!

  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

01/2008 Ficos TU 571-EX 647-EQ 652

3/21/2009 Ficos TU 705 EX 702 EQ 692

9/9/09 Ficos TU 718 EQ 693 EX.

06/25/12 Ficos TU 719 EQ 677 EX??

  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content
  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

I am thinking about applying for a Kohls card but I see they are thru chase. Does anyone know if chase black lists. Chase was part of my BK so dont want to waste an INQ.

  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

I am thinking about applying for a Kohls card but I see they are thru chase. Does anyone know if chase black lists. Chase was part of my BK so dont want to waste an INQ.

I am positive Chase does not blacklist. I have a $2,000 charge off with them back in 2001. In 2008 I applied for a new card. It was a “7-10 day message”. I called them up right away and they looked at my credit report. The old CO was already off my CR. They still asked me about it because it was still in their computer system. I just explained I fell apon hard times. She went ahead and approved my appilcation and even gave me a 3K CL. Heck that is above the old CL I had with them before. I didn’t even do a BK. I just ignored the calls and the mail till they charged off it. (Yeah I was young and dumb)

  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content
  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

I’ve been wanting to apply for a Kohls charge, and since Im going shopping there tonight I figured Id apply online and see if I could open an account. Well to my surprise I just applied and was approved. I only got a $400 credit limit, but since most of my other cards are in the $300-750 range I wasnt that disappointed. Im not sure of my score or what they pulled yet but Im in the 650 range for EX/EQ.

My question is, I know its usually better to apply in store for better CL’s (I was just too shy to). has anyone had luck calling a backdoor # or going in store and getting in increase on their limit after applying?

Congrats! I have read in the threads that you sometimes get a better CL or at least have a better shot at approval in store. I think for me, psychologically, it’s not having to wonder if I was denied.

Not all in-store apps require salary info, so that may have an effect on your CL. You might get more on an online app where the form is more complete.

I’d wait a few months before requesting a higher CL.

  • « Previous
    • 1
    • 2
  • Next »

Products

  • Home
  • How it works
  • Pricing
  • Family Plans

Learn

  • Education
  • Community
  • Support
  • Blog

Company

  • About Us
  • Terms of Use
  • Privacy Policy
  • Affiliate Program

Get Our App

Follow Us

Credit Education

  • Credit scores
  • What is a FICO Score?
  • FICO Score versions
  • How scores are calculated
  • Payment history
  • Amount of debt
  • Length of credit history
  • Credit mix
  • New credit
  • Credit reports
  • What’s in your report
  • Bureaus
  • Inquiries
  • Errors on your report?
  • Calculators
  • Know your rights
  • Identity theft
  • FAQ
  • Glossary

IMPORTANT INFORMATION:

All FICO ® Score products made available on myFICO.com include a FICO ® Score 8, and may include additional FICO ® Score versions. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating. FTC’s website on credit.

Kohl’s is the largest department store retail chain in the United States of America. With stores in close to 1,200 locations, operating across all states in the US, except for Hawaii, Kohl’s has established itself as one of the big names in the market.

Owing to its repute and popularity, customers are drawn to Kohl’s stores to meet their basic every day needs right from clothes, shoes, home décor, kitchen appliances, and other home essentials. Thus, possessing a Kohl’s Card adds to the savings that can be derived from these diverse purchases.

If you are a frequent customer at Kohl’s you must check out the exciting features and benefits provided by Kohl’s Charge Credit Card. Here is how you can apply for the card online along with the different benefits that you can derive from it.

How to apply for a kohl's credit card online

Kohl’s Charge Card Features

Extra Savings Offers

Kohl’s is known for its exciting in-store offers that draw and retains its customer base. However, applying for the Kohl’s Charge card will give you exclusive access to extra savings offers throughout the year. For instance, you will receive a 35% discount on your first purchase with the card.

Anniversary Offers

Who does not enjoy feeling special on their anniversaries? Keeping up with the celebrations, customers who possess the Kohl’s Charge card are entitled to enjoy a special anniversary offer each year.

Combining Discounts with Cash and Rewards

A striking feature of the Kohl’s Charge card is that it allows you to combine your card discounts with the cash and rewards. Thus, you can collect discounts and utilize them as per your convenience.

Kohl’s Card MVC

You can also become a Most Valued Customer (MVC) at Kohl’s if you spend more than $600 with your Charge card annually. As an MVC, you can enjoy exclusive services such as customized birthday gifts and monthly free shipping events.

Pros and Cons of the Kohl’s Charge Card

One of the advantages of possessing a Kohl’s Charge Card is that you receive at least 12 special discounts each year. Additionally, the benefits of this card supplement the benefits of the Yes2You and Kohl’s Cash Rewards program.

Perhaps the major drawback of this card is that it comes with a very high purchase rate APR. Moreover, you cannot earn any extra rewards directly apart from those that are already offered.

Kohl’s Charge Card Fees

When applying for this card, it is important to be aware of the fees and the interest charged. Below is a list of fees that come with Kohl’s Charge Card.

  • The APR for purchases stands at 26.49% variable. This APR is subject to vary with the market based on the Prime Rate
  • There are no annual fees, i.e. the annual fee is $0
  • The penalty fees for late payment and returned payment extend up to $38

How to Get a Kohl’s Charge Card

You can apply for a Kohl’s Charge Card by visiting the customer service desk at any of their stores. However, an easier method is to apply for the card online through the designated official website of the organization.

When you browse through the website, you will come across two options; sign in to your account and register your Kohl’s card. Based on the relevance, you can select the best-suited option.

On the same page, you will find the Apply Now tab. Clicking on this will redirect you to the application page. The application entry form is a brief questionnaire wherein you will have to enter basic details such as your name, contact details, correspondence address, and income details.

Thereafter, go through the important disclosures and click on Review. Recheck your application and click on Submit. You will receive your decision within a few minutes.

Kohl’s Address and Contact

To find out more about the Kohl’s Charge card, it is advisable to contact the organization directly. Kohl’s can be contacted using the following details.

Address

Corporate Headquarters
Kohl’s, Inc.
N56 W17000 Ridgewood Drive
Menomonee Falls, WI 53051

Phone

How to apply for a kohl's credit card online

The Bottom Line

If you are a regular customer at Kohl’s departmental stores, then you should check out the Kohl’s Charge card to avail extra discounts and offers.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

Kohls has about 1,200 stores located within 49 states. Thrift consumers have developed a cult-like following towards this particular department store who manage to take pride in finding the best deals available when searching for everyday items.

These are the customers who could benefit the most from owning a Kohl’s Charge credit card. The card has some amazing features, such as monthly coupons, no annual fee, invites to inclusive sales, and birthday gifts.

Due to these features, the card should be a must among the department store’s faithful customers. Let’s check it out!

How to apply for a kohl's credit card online

Features

Main features include the following.

  • No annual fee
  • Receipt-free returns
  • Earn lifetime MVC status by spending $600 in a calendar year, which comes with more discounts and benefits
  • 12 annual discounts
  • Exclusive sales and offers for cardholders
  • 35% introductory discount on your first purchase
  • 15% discount in the mail

Benefits

Kohl’s Charge cardholders are able to benefit from owning this credit card in three different ways: special discounts, sales, and reward points. As a closed-loop credit card, Kohl’s Charge can only be used to shop in Kohl’s department stores. But if this happens frequently, the reward points can add up, as well as the savings.

Yes2You Rewards® represents Kohl’s main reward program, and you are eligible to join this program whether or not you own a Kohl’s Charge card. But if you manage to use your card at the same time as the Kohl’s rewards program, you can take advantage of some great features, deals, and benefits.

By using the rewards program, Kohl’s manages to award their customers with 1 point for each dollar spent at one of their stores. Once you have managed to earn 100 points, you can redeem these points for $5 in Kohl’s Cash®. Although customers are advised to redeem these points as they expire after one year.

The Kohl’s Charge card is very useful when customers decide to redeem these points in order to make a larger purchase.

Kohl’s Charge Discounts

As a Kohl’s Charge cardholder, you will be eligible to receive a code that will give you a 30% discount on your first purchase made. Once you receive your card in the mail, you will be given another 15% discount. All of the mentioned discounts can be applied once you redeem any value of Kohl’s Cash® you have managed to gather over the year.

Special Offers

Kohl’s Charge cardholders will be able to receive 12 special offers each year. These offers can be very unpredictable and are selected randomly, but they still manage to present you with the opportunity of saving a significant amount on Kohl’s merchandise.

If you manage to combine Kohl’s Cash®, Kohl’s Charge special offers, and Kohl’s Charge discounts, you will be able to get great deals on any Kohl’s purchase you make.

How to Apply

You can apply for this car by clicking here. This link will take you to the Kohl’s website where you will be asked to submit the required information to complete the application. You can also complete the application within a Kohl’s store.

Before you apply, you should check to see if you’re pre-qualified for the Kohl’s Charge Card. This application does not have any effect on your credit score or your credit reports. Being pre-approved or pre-qualified for a credit card means that your chances of being approved are significantly higher, but it still does not guarantee approval.

Most applicants will receive a decision very fast, which can be both positive or negative. If you receive a negative response, the company will tell you why they have made this decision.

Who is Eligible

The Kohl’s Charge card is easy to obtain as you only require a fair credit score to qualify for it.

Fees and Interest

The Kohl’s Charge Card is only usable at Kohl’s, either online or in-store. The card has no annual fee, but you are suggested to be on the lookout for the very high APR of 27.24% Variable.

Bank Contact Info

If you are a Kohl’s customer, you can contact customer service directly at 855-564-5705.

General Correspondence: Kohl’s Credit, PO Box 3043, Milwaukee, WI 53201-3043

How to apply for a kohl's credit card online

Summary

If you consider yourself a faithful and seasoned customer at Kohl’s, the Kohl’s Charge Card could help you save some extra cash each year.

Once you get this card, be sure to be on the lookout for all the discounts which are available with this card — the mailed 15% discount, the introductory 35% discount, the annual discounts, and other random offers.

Be sure to use all of these offers before they expire. By using the Kohl’s App, you will be able to manage all of your promotional offers and card discounts.

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.

Kohl’s Department Stores, a subsidiary of Kohl’s Corp. (NYSE: KSS), is the second-largest retail chain in terms of sales, behind Macy’s Inc. (NYSE: M). Kohl’s is known largely as a family-friendly store that offers quality clothing products at a low cost. It has cultivated a loyal following of shoppers through its frequent discount promotions, offering coupons for as much as 35% off of store items.   Like most major retail chains, Kohl’s offers its own branded retail store card that can be used only at Kohl’s stores and at Kohls.com.

Key Takeaways

  • The Kohl’s Card can be used to make purchases online or in stores at Kohl’s locations.
  • Kohl’s Card members can earn rewards on purchases through the Kohl’s Cash program.
  • New cardmembers can take advantage of a discount off their first purchase.
  • Kohl’s Card, as well as other retail store cards, can charge a higher APR compared to regular rewards cards.

How the Kohl’s Credit Card Works

The Kohl’s Card is a retail charge card, which means it can only be used for purchases of Kohl’s merchandise. That includes purchases made in Kohl’s stores and online. That’s different from a traditional credit card that bears a Visa, Mastercard, American Express, or Discover logo.

As with most retail cards, the Kohl’s Card comes with a store credit limit that is typically lower than credit limits issued on regular credit cards. The amount of credit issued depends on the credit standing of the cardholder and can range from $300 to $3,000, though it tends to be under $1,000 for most people.

Since the Kohl’s credit card is a charge card, the balance is expected to be paid in full each month, but cardholders can carry a balance if they are willing to pay the variable annual percentage rate (APR), which was 25.99%, as of April 2021. The card does not charge an annual fee though you may pay a late fee or returned payment fee.

You can apply for a Kohl’s Card online or at a Kohl’s location. Applications do require a hard credit check prior to approval, which can affect your credit score.

Kohl’s Card Benefits and Perks

The Kohl’s Card isn’t a rewards credit card. However, you can still earn rewards on purchases if you’re a member of the Kohl’s Cash rewards programs. Kohl’s Cash allows shoppers to earn credit toward purchases. For example, you can earn $5 of Kohl’s Cash when you spend $50 on merchandise. Additionally, Kohls has offered promotions for new cardmembers, such as a 35% discount off your first purchase using your new Kohl’s card.  

Kohl’s Cash promotions are offered periodically and are sometimes available only to Kohl’s cardholders. Kohl’s allows for discounts and promotions to be stacked on top of each other, which can result in tremendous savings. For example, a customer may combine a 30% discount offer with Kohl’s cash on any purchase. Kohl’s often offers cash-off coupons, such as $10 off purchases of $30 or more. These may be combined with other discounts, as well as Kohl’s rewards programs.  

Kohl’s cardholders participate in all of these discounts and rewards programs the same as all shoppers. However, cardholders receive additional offers for store discounts of 10 to 30% each year. In addition, Kohl’s gives new cardholders 35% off their first purchase, which can be combined with any other store discounts.   If you become a Most Valuable Customer by spending more than $600 during the year, you receive six additional discount offers, including an annual birthday gift and free shipping promotions.  

Kohl’s Card users also enjoy other perks, such as mobile payment options, hassle-free returns and online and mobile bill payment.

Who Uses the Kohl’s Card?

Kohl’s has cultivated a loyal following of shoppers through its discount offerings and shopper rewards programs, which, when combined, can result in big savings. The offer of 35% off the first purchase, on top of all other discounts, using a new Kohl’s credit card is enticing for many shoppers.

A retail store card like the Kohl’s Card could be a good option for someone who’s new to building credit or is trying to reestablish positive credit history. Retail store cards are typically easier to qualify for versus traditional credit cards.

Important

Just like with a traditional credit card, paying your Kohl’s Card bill late could result in negative credit reporting and cost you credit score points.

Kohl’s Card Pros and Cons

In terms of the pros, the most attractive feature of the Kohl’s Card is the initial discount that’s available to new members when making their first purchase. If you plan to purchase a pricier item from Kohl’s, the discount could add up to some substantial savings.

After that, there is no real benefit of having a Kohl’s card other than the special discount offers throughout the year. For Kohl’s shoppers who thrive on the ability to stack discounts, that may be enough of a reason to have it.   For people who do not shop at Kohl’s frequently, a regular cashback rewards credit card might serve them better.

In terms of the downsides, it’s important to keep in mind that the Kohl’s charge card is a retail store card. Retail store cards have several drawbacks, including the fact that they are generally issued as subprime credit, meaning that you pay a high APR if you carry a balance.  

Additionally, retail store cards are often issued with low credit limits, which is not necessarily a bad thing since it can keep you from overspending. However, if you are used to receiving $5,000 credit lines from a credit card issuer, you might be disappointed in the credit line you receive from Kohl’s.

Finally, because it doesn’t offer a rewards program outside of the one available to all shoppers, the Kohl’s card may not be of much benefit to you if you don’t shop there often. You might consider using a rewards card that allows you to earn cash back on all your department store purchases instead.

When comparing cashback or other traditional rewards cards options, pay attention to how rewards are earned as well as the annual fee to ensure the card matches your spending habits and style.

The Bottom Line

The Kohl’s Card is similar to other retail store cards when it comes to features, benefits, and costs. Adding a retail store card to your wallet could help you build credit, though a secured credit card could be a better option if you can come up with the cash for an initial deposit. Before applying for the Kohl’s charge card or any other retail store card, consider how often you plan to use it and how likely you are to pay your balance in full to avoid steep interest charges.

How to apply for a kohl's credit card online

Additional Information

Sign-up Bonus

Rewards

Application Requirements

How To Apply Kohl’s Credit Card

Visit Kohl’s credit card application page. If you have a coupon code, please enter your coupon code.

Click the green apply now button.

Fill in the fields on the application page. The data fields include your name, address, social security number, and annual gross income.

Read important disclosures about Kohl’s credit card rewards program.

Click continue to view and submit the completed application.

Apply for Kohl’s card by phone 1-855-564-5748.

You can apply for the Kohl’s Credit Card by selecting the appropriate Apply Now button below.

How To Use Kohl’s Credit Card

Where Can You Use Kohl’s Credit Card?

Kohl’s Credit Card can only be used on Kohl’s and Kohls.com.

Your Kohl’s Credit Card Bill On Time

APR is very high, at 24.99%, which means that if you choose to carry out the balance every month, you will be charged a considerable interest rate.

Something About Kohl’s Credit Card Rewards

Get 1 point for every $1 you spend, and $5 bonus cash for every 100 you earn. The bonus cash matures 30 days after it is issued.

Credit Card Reviews

Write A Review

I’ve had this card since 1998. Recently I received a bill showing a late payment. I immediately looked for my previous months bill because I pay my bills and file them when I receive them. In short, I didn’t find a bill for that month. So, because the amount of the late payment was so low, I went ahead and paid it rather than fighting with Kohls. Then I tried to set up an autopay so that no future bills would be missed even if I didn’t received a bill. When I called Kohls Customer Service, I explained all of this to them. They said if I had missed a payment, I could not set up an autopay for a couple of billing cycles. This makes no sense unless Kohls is making extra $$$ by failing to send out statements resulting in late fees. Then, by not letting me sign up for autopay, I can’t prevent this from happening again. I told customer service to look at my account history to see that my payments were made on time. This did absolutely no good. I am a MVC cardholder and have a good credit score. No effort was made on my behalf to help resolve this issue. I love to shop at Kohls both in the store and online. If I wasn’t such a fan of the store I would cancel this card. However, since their good sales are tied to their credit card I won’t. My recommendation to others is to set up autopay before you have a credit issue, because Kohls customer service isn’t going to help after you have a problem.

This is the worst credit card ever!! They never mailed me an actual credit card, So I only had that tiny slip of paper with my account number, which I unfortunately lost 6 months later. I literally could not access my account to make a payment. Even after calling and giving my SS# and DOB, I still could not get my Account Number. I dealt with customer service in the Philippines and was cut off. Then, someone from Mexico City who actually lied and told me he would email my account number. Finally, I finally got a customer service rep in Wisconsin who was able to help, but that was a whole lot of wasted time and frustration just to pay my bill and give Kohls money.Maybe this company should think about keeping its customer service in the USA where the operators actually care about their customers. It was a complete disservice to outsource my call to these other operators who were not helpful at all and literally lied. This Kohl’s credit card is not worth the hassle! Don’t bother with it. You can still gt Kohl’s Cash and coupons without this credit card. Don’t waste your time.

They lost my check that I sent. Charged me a fee. I had the fee reversed. And then they charged me a fee that was double the original fee because I didn’t pay the original fee “on time,” the original fee that was reversed. Just continued bad customer service.

More Credit Cards Like Kohl’s Credit Card

Credit Cards You May Like

About Cards-Offer

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That’s why Cards-Offer born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you’ll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what’s on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don’t have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

Never miss a good chance to get a better Credit Card. Get top Credit Card Notifications from more than 100 Credit Card Categories!

How to apply for a kohl's credit card online

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author’s own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

One thing Kohl’s does well is getting shoppers into its department stores. Its ecommerce game is also strong with the addition of an in-store pick-up option. Also, who can forget the coveted Kohl’s Cash?

If you are a Kohl’s shopper and have ever wanted to earn even more benefits from shopping there, you might want to strongly consider opening a Kohl’s Charge card.

The basics of the Kohl’s Charge card

Commonly called the Kohl’s credit card or Kohl’s card, the official name for this credit card is the Kohl’s Charge. This credit card operates like most credit cards, but it’s something known as a closed-loop card, which means you can only use your Kohl’s credit card at Kohl’s.

The interest rate on the card is 27.24% APR (annual percentage rate), and there’s no balance transfer or cash advance option. The card has no annual fee, but late payment fees can be up to $38.

So, if you can qualify and make on-time payments in full, your Kohl’s Charge card is literally free for you to have, and you get all the benefits of being a cardholder.

What’s great about the Kohl’s Charge card

There are some amazing benefits to having a Kohl’s Charge card, so let’s start from the beginning. As soon as you’re approved for your card, you’ll get an extra 35% off your first Kohl’s purchase using your card. This purchase can be made online or in-store. In addition, when you receive your Kohl’s credit card in the mail, it will include a 15% off coupon to use on your next online or in-store Kohl’s purchase. Also, if you opt into paperless statements, you’ll get another $10 coupon in your email inbox.

Throughout the year, you’ll receive 12 special offers in the mail. These Kohl’s Charge offers are only for cardholders. Each special offer is available for a limited time and can be applied at checkout online or in-store. These special offers include a promo code that randomly gives you an extra 15%, 20%, or 30% off your purchase when you use your Kohl’s credit card. If you can’t find or lose your special offer mailer, you’ll automatically get 15% off your purchase during the promotion time.

And we’re not done yet. Do you spend more than $600 a year at Kohl’s? Great! You just unlocked even more savings for being a cardholder. In addition to the 12 special offers each year, you’ll receive another six special offers for being a Most Valued Customer.

In addition, Kohl’s Charge cardholders get advanced notice of upcoming sales in the mail, so you can be among the first customers at the door when the sale hits the store. If you prefer online shopping, you can preload your cart before the sale date and then check out after the sale starts.

When it’s time to make a payment on your Kohl’s credit card, there are a variety of options to make doing so convenient for you. Cardholders can make payments in the store, through the mail, over the phone, through the Kohl’s app, or online when they set up their account portal.

Things to watch out for with the Kohl’s Charge card

As wonderful as the Kohl’s credit card can be, there are a few drawbacks to be aware of.

Even Kohl’s Charge cardholders aren’t eligible for discounts on some items. There are several brands online and in-store where discounts won’t apply. If you had your heart set on a pair of Levi’s jeans or a new Dyson vacuum, you won’t be able to use any promotional coupons, but you can still earn and use Kohl’s Cash during your purchase. Several sporting goods brands, professional sports team merchandise, consumable products, premium athletic brands, and select electronics also cannot be discounted using Kohl’s coupons. But these brands do occasionally run their own Kohl’s specials online and in-store. If you do end up opening a Kohl’s Charge account, it’s best to become familiar with which brands and categories of merchandise will be discount-free.

To really take advantage of the special offers you’re mailed, you’ll need to act quickly. The time frames for each special offer are short, so if you miss it, you’ll need to wait until your next special offer arrives to save on your purchase.

The APR on the Kohl’s credit card could be better. The average APR for credit cards is around 16%, so the 27.24% variable APR gives this card a very high rate when compared to other options. Also, your spending limit will likely be lower than other credit cards; however, you can request a credit increase every three months if you meet certain requirements.

Kohl’s is well-known for having lots of rewards programs, but some of them have nothing to do with having a Kohl’s credit card. For example, all shoppers are eligible for Kohl’s Cash. And you’ll have to open another account if you want to benefit from Kohl’s Yes2You Rewards program. Getting a Kohl’s Charge card doesn’t automatically enroll you in other rewards programs, and it can be confusing to keep track of everything to get the most benefit.

Who should consider the Kohl’s Charge credit card

If you already shop at Kohl’s or are considering switching over from another department store, the initial savings you get for opening a Kohl’s card is hard to pass up.

And if you’re a savvy shopper who has the discipline and flexibility to shop during special offer periods, you’ll reap the benefits of this credit card.

Also, if you’re good at tracking rewards, you’ll get the most possible out of your cardholder and rewards benefits.

How to apply for the Kohl’s card

It’s simple and easy to apply for a Kohl’s Charge card. You can see if you prequalify online without receiving a hard inquiry on your credit report. Once you know you’re qualified, you can submit an application online or in-store to open your account. There’s no required minimum credit score for being approved, so you could be approved even if your credit score isn’t great.

Alternatives to the Kohl’s Charge credit card

If you’ve started to think the Kohl’s credit card might not be the best fit for you, there are plenty of other rewards credit cards you can use at Kohl’s that still have amazing benefits.

The Chase Freedom Unlimited credit card has no annual fee and a 0% introductory APR on purchases for 12 months. That means you won’t accrue any interest on your Kohl’s purchases during that period. You’ll also earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases.

For travelers, check out the Capital One Venture Rewards Credit Card. Your purchases earn you 2X miles on every purchase, every day — meaning all those (nearly everyday) Kohl’s purchases. The annual fee is only $95. Couple that with a lower APR than the Kohl’s credit card, and this might be a better card if you’re a jetsetter who likes to shop at Kohl’s at home and on the go.