What are the benefits of using a Kohls card?

Rewards on the Kohl's Credit Card include 7.5% back in rewards on every qualifying purchase made at Kohl's. Plus, you get a 35% discount on your first purchase. And the card also features a $0 annual fee.

Here are the Kohl's Credit Card rewards:

The Kohl's Credit Card approval requirements include a credit score of 640 or higher; this means you need at least fair credit to get approved for this card. Keep in mind that the issuer will also consider your credit history, income and existing debt obligations when making a decision.

What you should know before applying for the Kohl's Credit Card:... read full answer

It’s a good idea to see if you’re pre-qualified for a Kohl's Credit Card before you apply. Pre-qualification can give you a good idea of your approval odds, and it doesn’t count as a hard pull on your credit. Pre-qualification doesn’t guarantee that you’ll be approved, but it does indicate that your chances of getting approved are very high if you apply.

Before applying for the Kohl's Credit Card, make sure you know where you stand. You can check your credit score for free, right here on WalletHub.

You can request a Kohl's Credit Card credit limit increase online, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.... read full answer

How To Get a Kohl's Credit Card Credit Limit Increase Online

1. Log in to your online account.
2. Choose the Kohl's Credit Card from the list of account options (if you have more than one Capital One card).
3. Click “Account Summary,” and then “Request Credit Line Increase.”
4. Enter the required information.
5. Confirm the information entered and click “Submit” to complete the request.

You should receive a decision in just a few seconds. If you’re approved for a Kohl's Credit Card credit limit increase, the new limit is effective immediately.

Impact of a Kohl's Credit Card Credit Limit Increase on Your Credit Score

When you request a Kohl's Credit Card credit limit increase, Capital One will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Capital One cannot do a hard pull without your permission, though.

Alternatively, you could be eligible for a Kohl's Credit Card credit limit increase without even requesting one. The Kohl's Credit Card may offer an automatic credit limit increase if Capital One’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.