Minimum Credit Score Needed 
Fair
Kohl's Credit Card
By:
Capital One
Info about the Kohl's Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Dec 6, 2019
Review: Kohl's Credit Card
- Awesome initial discounts. Not only will you get 35% off the first purchase made with your Kohl’s Store Credit Card, but you’ll also receive a coupon for another 15% off when your card arrives in the mail. In other words, the Kohl’s Credit Card follows up one of the best initial discounts in its category with another discount that would be pretty darn good even on its own. That’s a difficult combination to beat
- Special offers, but no purchase rewards. The Kohl’s Credit Card entitles you to at least 12 “special offers” each year. That might sound pretty vague, which usually isn’t very promising as far as savings are concerned. But the offers are actually additional discounts of 15%, 20% or 30%. So the fact that you won’t earn a certain number of points for each $1 you spend shouldn’t be too concerning if you can put your discounts to good use.
- No annual fee. The Kohl’s Credit Card, like nearly all other store cards, does not charge an annual fee. This saves you about $18.81 per year compared to the average credit card, according to WalletHub research. And it makes it easier to justify opening a credit card just for purchases from a single retailer.
- Average APR. The Kohl’s Credit Card APR is above the 25.70% charged by the average store credit card. Both figures are quite high, however, as the average credit card offer overall has a 19.21% APR, according to WalletHub’s latest Credit Card Landscape Report. As a result, you should try to always pay your Kohl’s Card’s monthly bill in full.
- Fair credit required. You need at least fair credit to get approved for the Kohl’s Rewards Credit Card, which is standard for retailer-affiliated plastic. You can gauge your odds of approval by checking your credit score for free on WalletHub.
Dec 6, 2019
Another popular card for you
Fingerhut Credit Account
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
29.99%
Annual Fee
None
Rewards Rate
None
Minimum Credit
Bad
Show More
Hide More
Kohl's Credit Card's Rewards
- Save 35% on your first purchase using your new Kohl’s Credit Card.
- Get another 15% discount when you card arrives in the mail. To be used on separate future order.
- This card entitles you to extra savings offers throughout the year.
Kohl's Credit Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
26.74% (V)
-
ANNUAL FEE
None
Kohl's Credit Card's Additional Info
-
MAX LATE FEE
$38
-
MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
None
-
GRACE PERIOD
25 days
-
ONLINE RESPONSE
Yes
-
CASH ADVANCE
APR
N/A
-
CASH ADVANCE
FEE
N/A
-
FOREIGN
TRANSACTION FEE
N/A
-
SMART CHIP
No
- Use your Kohl's Cash® with your Kohl's Charge discounts.
at Capital One's secure site
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Related Credit Card Categories
Kohl's Credit Card is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Kohl's Credit Card to our community.
Should you pay off your card right away? Reply 5228
WalletHub
@WalletHub
You don’t need to pay your credit card bill the same day that you make a purchase, for example, but it is a good idea to pay off your full balance by your monthly due date. This will ensure that you do not incur interest and will help you avoid becoming accustomed to spending habits that may not be sustainable in the long run. At the very least, making your required minimum payments on time is a must, considering that late fees and credit score damage will pile up otherwise. For more information, check out our guide on paying credit card bills: http://wallethub.com/edu/paying-credit-card-bills/25558/ .
52
Upvotes
What's the credit score required? Reply 3529
WalletHub
@WalletHub
You generally need Fair credit (i.e., a score above 620) to be eligible for this card, but issuers also consider income and existing debt obligations when making approval decisions. You can check your credit score for free on WalletHub: https://wallethub.com/free-credit-score/ . Hope that helps. Best of luck!
35
Upvotes
How do I get a Kohl's Credit Card limit increase? Reply 2322
WalletHub
@WalletHub
All you have to do to get a Kohl's credit limit increase is call the issuer’s customer service department (at 800-955-7070) and make a request.
Bear in mind the issuer may have to re-review your credit history, which would result in a hard inquiry and a temporary decline in your credit score.
You can learn more about this and get some helpful tips from this article.
23
Upvotes
Are you able to pay the Kohl's charge with a credit card when you pay in the store? Trying to get the miles. Reply 1612
WalletHub
@WalletHub
Unfortunately you cannot pay your Kohl’s Credit Card bill with another credit card. This page explains which payment methods are allowed: https://cs.kohls.com/app/answers/detail/a_id/229 . Hope this helps! Please let us know if you need more information.
16
Upvotes
What does the minimum payment mean on the Kohl's statement? Reply 169
WalletHub
@WalletHub
The minimum payment is the smallest amount you can pay by the due date to avoid being classified as late. Most cards charge a minimum payment of around 3% of the outstanding balance (but your payment typically cannot be less than $10 – $25). You will find the specifics for your account listed on your monthly statement. For more information, we recommend checking out our articles on paying credit card bills ( http://wallethub.com/edu/paying-credit-card-bills/25558/ ) and how credit card interest works ( http://wallethub.com/edu/how-credit-card-interest-works/25789/ ). Hope this helps. Best of luck!
16
Upvotes
I was approved for the credit card but don't have it yet. Can I use my credit before receiving the actual card? Reply 1311
WalletHub
@WalletHub
Sure, if you are approved for a Kohl’s Charge, you will receive a temporary credit card number that you may use to shop at Kohls.com or in-store immediately. Best of luck!
13
Upvotes
Can I use this card at places other than Kohl's? Reply 1311
WalletHub
@WalletHub
No, unfortunately you will only be able to use the Kohl's card to shop in Kohl's stores or at Kohls.com. Best of luck!
13
Upvotes
How can I get my Kohl's credit card to add an authorized user? Reply 1117
WalletHub
@WalletHub
You can add an authorized user to your Kolh's credit card online, from your account at capitalone.com.
To add or view authorized users on your account, follow the directions on the Manage Users page.
You'll need to have some personal information about the user handy like their date of birth and Social Security number.
Another way to add an authorized user is by phone at 800-955-7070.
11
Upvotes
What should I do if I lost my Kohl's Credit Card? Reply 107
WalletHub
@WalletHub
You can report a Kohl's lost card either through your online account or by calling customer service toll-free at 800-955-7070. To do so online, go to your account summary page and click the link that says “Request Replacement Card.”
You should also make sure to check the recent recent transactions that have posted to your account and then review your next few monthly statements, just to make sure no one used the card without authorization before you reported it missing.
We also have a guide on the topic where you can find more tips and information here. Good luck!
10
Upvotes
Kohl's Credit Card Video Review
Kohl's Credit Card Reviews
Share your insights and review the Kohl's Credit Card.
Dec 02, 2019
BEWARE! It gives me no pleasure to rate this card with no stars. The store and prices are great and having the card has additional benefits for points and pricing but the credit service itself has major issues. At the Kohl's cash register when checking we were checking out, we were encouraged to apply for the card, we were immediately approved, used the card right then for the additional cost savings and because we had the cash on hand decided just to go ahead and pay the amount charged to the card right then on the spot and not receive a bill later. All seemed well until sometime, a week or so later, we received a call from someone saying they were with Kohl's asking for additional information (again card already approved and used) including a SS#. I refused to give that over the phone for fear of someone attempting identity theft etc. (something that had just happened in a big way to a close relative), and was told that we could present the info next time at the store. OK, we said that would be fine. Well, we sometime later received a letter in the mail asking for the same information and at this point decided it safe enough to send this info via email but first called to confirm that this was indeed Kohl's and to make sure we understood the exact documents required. I got off the phone and sent it immediately. Next time we went to the store we were told the account had already been closed (and reported to credit agencies), and although irritated, wondering why the woman on the phone didn't tell us the account had already been closed (a further indication that they don't have it together and their incompetencies could cost you via a damaged credit reporting) and there was nothing we could do about it (after a half an hour at the store on the phone with the credit services department, with the assistance of the store cashier who was quite nice and empathetic), but was encouraged to simply open a new one, right then. We applied and were denied. WHAT??? OK. whatever, perhaps a bit later after the smoke has cleared on the initial closing idiocy we could apply, which we later tried online and were once again denied, or so we understood. Turns out that account was actually open, which realized via a our own credit check as although we had received some letter in the mail from Kohl's, saying " your account has been closed," and another to the effect of "someone is trying to open an account with your info" and your card is being used fraudulently and will be closed. WHAT ACCOUNT??? We understood we had no accounts!!! SO....... the credit report now shows two closed Kohl's accounts which kills the credit rating we have been working to build after living out of the country for 7 years and not having much of a recent payment history fo for this reason. I called several times and even wrote a letter which I finally GOT a call in reply to but was told there is nothing we can do about it, as it wouldn't be fair to others to clean this whole debacle from your credit??? FAIR to who? This exact thing has happened before because you didn't get the info you needed in the first place, although activated the card and then called and asked to confirm SS# for someone who wisely wouldn't give it you over the phone??? KOHL"S DO YOU SEE AN ISSUE HERE? OR NOT FAIR TO THOSE WHOSE ACCOUNT WAS CLOSED FOR NON-PAYMENT??? NOT OUR CASE BUT THE REPORT ON THE CREDIT REPORT COULD INDICATE THIS??? SO..........LONG STORY SHORT.......BEWARE AS THE CREDIT DEPARTMENT IS LOST AND IT COULD REALLY COST YOU VIA YOUR CREDIT REPORT FOR NO FAULT OF YOUR OWN OTHER THAN CAUTION WITH YOUR PERSONAL INFORMATION. IF THIS HAS OR DOES HAPPEN TO YOU, I SUGGEST THAT YOU DO THE SAME AND REPORT THIS TO THE BBB AND SECRETARY OF STATE TO MINIMALLY PREVENT THIS FROM HAPPENING TO OTHERS AND ENCOURAGE KOHL'S, AN OTHERWISE GREAT STORE, FIX THEIR ISSUES.… show more
Comment
Nov 12, 2019
BEWARE of the CREDIT CARD!!
Absolute worst department store credit card of all time. Signed up and I never received 1 single card statement. I “thought” I had my balance paid in full the one time they talked me into signing up, and then Kohl’s permanently devastated my credit over $1.68!!!
They reported me late when I have ZERO late payments on my credit history and had NO IDEA thay I had any balance at all. They never notified me and had told me an incorrect balance when I immediately paid off the balance that they quoted me after talking me into signing up for the card to get a 1 time discount.....
Kohl’s devastated my life long perfect credit history over $1.68 and refuse to correct their mistake after misquoting my balance when I paid in full!!
Their error Dropped my score from nearly an 800 Down to 700. I requested a correction since the $1.68 was an error in the balance I was told when I CALLED to pay the bill, and they refused to correct it.
$1.68 from Kohl’s could ruin your credit for the rest of your life. Absolutely unbelievable!!… show more
Absolute worst department store credit card of all time. Signed up and I never received 1 single card statement. I “thought” I had my balance paid in full the one time they talked me into signing up, and then Kohl’s permanently devastated my credit over $1.68!!!
They reported me late when I have ZERO late payments on my credit history and had NO IDEA thay I had any balance at all. They never notified me and had told me an incorrect balance when I immediately paid off the balance that they quoted me after talking me into signing up for the card to get a 1 time discount.....
Kohl’s devastated my life long perfect credit history over $1.68 and refuse to correct their mistake after misquoting my balance when I paid in full!!
Their error Dropped my score from nearly an 800 Down to 700. I requested a correction since the $1.68 was an error in the balance I was told when I CALLED to pay the bill, and they refused to correct it.
$1.68 from Kohl’s could ruin your credit for the rest of your life. Absolutely unbelievable!!… show more
Oct 23, 2019
This card is great! It has a lot of discounts and coupons and you get Kohl’s cash. Shipping is fast. I was approved for $600 and was happy. I pay my bill off before the billing statement closes. I recommend this card if your credit is in the 600.
Jun 18, 2019
I applied for a kohl’s card. I currently use MyFICO, credit karma, Lexington Law, and Experian. I realize the score can change wildly between different bureaus, but also depending what score you’re looking for (ie mortgage is different than car loan). But on the low end my score was 612, high end 660). When Kohl’s ran the report with Experian, they assessed my score at 548 and there’s not a single model that suggests it should be anywhere near that low. I called Kohl’s, they said it’s the bureau that gave them the score. I called Experian, they said they just send the information and Kohl’s analyzes it. Any ideas on what I can do? Now I have another hard inquiry, that will hurt me for 2 years with no benefits and it just makes me feel like it’s a broken process for them to be so different from everything else I see.… show more
Feb 11, 2019
Kohl's runs a shiesty business, My daughter got this card to help establish a credit history. She got the card in December 2018, she bought something totaling $65.41 in January 2019. She kept looking at the account on line for a due date but nothing showed up so I told her to pay it. She paid it in full on 1/22/19, on 1/25/19 she bought something for $38.78. She didn't bother looking at her account until a few weeks later to see when her bill was due when she noticed a $27 late fee. The bill stated that her balance was $65.41 with a minimum payment of $27 due on 2/7/19 which had already been paid on 1/22/19. but according to Kohl's regardless of when you make your payment if you make a purchase all the way up to and including your due date you must pay it on your due date. So in other words if you pay your balance in full three weeks prior to the due date but make a purchase on the due date you must pay that on the same day. What kind of BS is that?
I'm giving it a negative 5 stars and warn everyone not to get this card go some place else. JC Penny, Walmart any place but Kohl's...… show more
I'm giving it a negative 5 stars and warn everyone not to get this card go some place else. JC Penny, Walmart any place but Kohl's...… show more
Jan 28, 2019
I had this card and only used it about twice a year. Each time I used it I would have to worry about the automatic payments actually being taken out of my account. The final straw was when I purchased something on 9/1/18 and my verified bank account that they had on file was to be charged on 10/19/18. They showed in their system that my account was charged and that my balance was $0. However, no actual charge showed up in my bank account. After a month 11/18/18 I receive an email saying you haven't paid your bill and we are charging you $29.06 for a late fee and interest charge. I call and ask them to take my payment, but reverse the charges for interest and late fee because they were supposed to automatically take the payment from my VERIFIED bank account. Then they say I can take your payment, but need to talk to the primary account holder (my husband). Whatever, but fine. My husband calls and they reverse the charges. We don’t see the reverse so we call again to make sure the charges were reversed, talk to a “manager” and after about a week we see that they reversed the charges twice. Now we have a credit on the account of $29.06. Today - 1/28/19 I call to let them know they have an accounting error and that they need to have an internal audit of my account. They keep repeating that they need to talk with the primary account holder to make that happen. Seriously?!?! I tell them I don’t want any information from them, even though I have all of the information they want, and I say so you are going to send a check for the balance owed to me then I will just rip it up so just do an internal audit. After the 5th time of the “manager” saying they need to speak with the primary account holder I just hang up. What kind of company wouldn’t just do the internal audit since a customer is telling them that their accounting department made an error? Glad I closed this account, but annoyed that 4 months later I am trying to get them to just fix their system. Bottom line, I would never recommend someone to get this card because their accounting department is obviously lacking some brains!!… show more
Dec 25, 2018
I was late just 2 days on my payment then they called me ask me to pay then I make the payment the same time they called me. After 2 weeks i got notification from my credit score that my score went down from 752 to 657 because they reported me as I'm late payment for 30 days which is never happened!!! it Was just 2 days. Then i called them told them about that they said we sorry about that and they gonna fix that. After two months got mail from Kohl's said that they couldn't do any thing about that and they didn't make any mistake by reporting me to credit score!!! What I did is just called them and canceled my account with them. Is that how Kohl's treats their customers. I'm 5 years their customer.… show more
Dec 01, 2018
Kohl’s ran my credit, which lowered my score just to say I was denied because they “couldn’t verify my SSN “ through a bank I have an open account with. My credit is decent so there was no reason for this outcome. I won’t apply again or shop with Kohl’s. Poor customer service.
Sep 19, 2018
This is the 1st card that I got to start building my credit. I was shocked when they approved me. And now my credit score is the best it's ever been and I have multiple credit cards. I started out with a $300 limit now it's $1300. This in 2uears.
Sep 15, 2018
I filed chapter 7 bankruptcy in April 2017. I applied for this card in July 2017 right after my discharged and I was instantly approved. I have no complaints so far.
I now have a total of 4 store cards and this is the only one that gives out discount codes and coupons which makes it worth having.
My only complaint is I haven’t been able to get them to increase my credit limit even though my credit score has increased 100 points since I was approved… show more
I now have a total of 4 store cards and this is the only one that gives out discount codes and coupons which makes it worth having.
My only complaint is I haven’t been able to get them to increase my credit limit even though my credit score has increased 100 points since I was approved… show more
Jun 23, 2018
I love the stores but I HATE the card customer service. I have an alert on my credit bureau files that makes creditors call before issuing credit...so I apply for their card and was told my application is \"pending\" until their specialized team reaches out to me. That was a couple weeks ago and I STILL haven\'t received a phone call. Call in this morning to check the status of the application and get told the same thing..nobody knows anything wait for a phone call from this mysterious special department that doesn\'t take incoming calls......completely RIDICULOUS and lacking in customer service.… show more
May 10, 2018
I would not do business with Kohl's credit cards and especially their online ordering. They make mistakes on orders, don't deliver on time and do not work with customers to make a satisfactory experience. I have had to call four different times to correct miss-billing that was entirely Kohl's mistake.
Feb 03, 2018
I have had this card for 2 1/2 years, and it is the worst credit card I have ever owned. Now I only put a few dollars on it when I shop in order to get my 20% or 30% with my purchase. I have had too many issues with getting into my account, especially with the webpage for it being unavailable half the time and being billed twice for things. I will pay it right after I use it sometimes and still have the charge show up again on my next statement.I know they've made money off of me by charging me more than once for something and refusing to fix it. I've never paid late (despite the fact that I don't receive my statement half the time either) and never been charged interest, so maybe that's how they'll make anything off me. Don't bother calling their customer service line because you will get nowhere with them.… show more
Jan 08, 2018
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 Kohls 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.… show more
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 Kohls 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.… show more
Jun 24, 2017
No complaints! Loving it so far the couple months Iv'e had it, great rewards perks. Credit line is low though but I'm okay with that since it's less temptation to spend. As long as you pay off your balance each month the interest isnt a worry, all rewards cards at least for stores have high interest rates.
Jun 03, 2017
If you want your credit score to take a hit use this card. I have paid the balance on time always but I missed one payment (due to the site and auto pay) issues, it got immediately reported to the credit bureau and my credit score suffered immensely. This is the second time it happened and I am cancelling my card right away. Not to mentioned that the late fees is $37 apart from your credit score dinged. Stay away from this card!!!… show more
Mar 28, 2017
I got a great deal on clearance sale discounts at the store when I signed up, and they offer numerous coupons and special deals. My credit line was $1,000. After I got the first bill, I began to create an online account. I stopped when I saw the Privacy Policy. They force you to agree to receiving emails, texts, AND auto-dialer messages on your phone, with NO option to prevent all this (except for nonaffiliate marketing and to share about your "creditworthiness", which they are required by law to offer; they pushed to the absolute limit of what the law allows them to do, rather than respecting your privacy voluntarily). I called the phone number listed to request limiting sharing of my personal information (i.e., to avoid an onslaught of marketing annoyance), but the menu robot kept going on and on, trying to sell me more, tell me things I already knew, and gave no option to "limit sharing" as they promised in print. If this is so difficult, I can't imagine how customer service would be on any future issue. After trying several times to get through, both via phone and on their website to find where you can protect your privacy from invasion by whoever they partner with or sell your information to, I gave up. I will close it. IMPORTANT: DO NOT ACTIVATE THE CARD - by doing so, you sign a legal contract with them allowing this marketing travesty. By the way, the card is currently owned by Capital One. Need I say more?… show more
Mar 15, 2017
The credit card itself is nice to have because of the discounts and coupon perks however watch your bank account. Multiple payments have been removed, even cancelled ones and when you contact them about the issue their response is, sorry you will have to contact your bank.
Feb 18, 2017
All of my payments to Kohl's have been on time for three years. I enrolled in auto pay to ensure my payments would not be late. Never had a problem until recently. I received an email from Kohl's stating my payment was late. Not sure how this could happen if I have auto pay. They reversed the charges, but this significantly dinged my credit. Has anyone else experienced this?
Dec 19, 2016
Kohl's charge card is HORRIBLE ! I would NEVER recommend anyone get one. First, the site is ALWAYS down to pay your bill online. So, you get the incoveniece of either paying over the phone (which they charge you a fee for) OR you have to go into the store to pay (which is super inconvenient). So, needless to say I forgot about a couple payments (my fault I know). The late fees are horrendous. So, I got a call from the company asking if I wanted to join their 3 in 3 program, in which you pay the same fee for 3 months and they are supposed to add that to your account and deduct a portion of your late fees. Well, surprise surprise... The third and final payment was "supposedly" schedule for the wrong day (even though while scheduling these payment dates, I was also putting the payment dates in my calendar). So, I call (on the designated due date) to figured out why the payment hadn't been processed. I was told someone would review my account and the phone call and get back with me. A month later I get an email saying I owed the same balance as I did before I started to program. So, I call Kohl's and the first person I spoke with gave me a sob story of how people have been calling out of work, so they were really behind on processing payments and claims. So, then she proceeded to tell me that my claim was reviewed and they denied it (thank you for notifying me like you said you would). I ask to speak to her supervisor. Supervisor gets on the phone tells me the same thing, that the claim had been reviewed and I agreed to a payment date that was agreed upon by me for a Wednesday (let me remind I was looking at a calendar while scheduling these automatic payment to come out of my account all on Friday's, why you ask because Fridays are when I get paid). So, I proceed to explain that to the supervisor and requested that someone else review the call because this was not right at all. So, I asked the supervisor hypothetically if my payment was missed, why wasn't the amount that I paid for the last 3 months NOT applied to my account. She couldn't give me a straight answer. So, needless to say I am officially done with the crappy service that Kohls offers. I will NEVER buy another thing from their store, and my charge card with them is cut up. DO NOT GET A KOHL'S CHARGE CARD THE WORST CREDIT CARD I'VE EVER HAD! O… show more
Jun 11, 2016
The good thing about it is you get % off coupons AND...you can use up to 8 different coupons in one transactions. You can use your % off and combine with $ off amounts which can save you $$$$$.
Just remember,
When trying to establish, maintain credit. It is nice to have at least one card like this. The longer you keep, pay on time every month, it gets reported to credit bureau. The older your accounts are and in good standing. You will be good. Just stay under 30% of allowed credit monthly on ALL cards combined.… show more
Just remember,
When trying to establish, maintain credit. It is nice to have at least one card like this. The longer you keep, pay on time every month, it gets reported to credit bureau. The older your accounts are and in good standing. You will be good. Just stay under 30% of allowed credit monthly on ALL cards combined.… show more
Apr 01, 2016
The card itself had some nice perks with coupons and discounts but I have had the card for about two years with a whopping 300 CLI that never increased even when I asked so I closed it. My sister had the sam issue. I have other cards with much higher limits and it really wasn't worth keeping.
Mar 05, 2016
The card does not have any particularly useful rewards at all because it is just a store card, but it is required to use the monthly 15, 20 and 30% coupons that kohl's sends out every month. I would like it if it were more like a real credit card and had more rewards available. I would recommend it if you like to shop at Kohl's and want to maximize your discount there. I haven't had to use the customer service yet but I'm sure it must be great.… show more
Dec 30, 2015
I have to say that, with all the perks that I get out of using this card, this is one of my favorite "store-offered" credit cards available. They always send out % off coupons to my house, and I get additional % off coupons and special deals in store that normal customers do not get. Their APR is a decent rate, but I always pay the full amount each month, so this credit card is costing me nothing! Excellent card, I am glad that I got it.… show more
Dec 30, 2015
I applied for this card orignially because I do a lot of shopping at Kohls, and there are almost always additional discounts for cardholders. At the time I applied, my credit was OK, but not great. One of the things I love about this card is I can pay for something with my card, then turn right around at checkout and make a payment. So I do not have any interest charges, and it helps control my spending.… show more
Dec 28, 2015
Card offers decent opportunities for savings through coupons, but their online chat customer service is one of the WORST! Went through 3 representatives before the 3rd one who FINALLY told me the reason I was getting "dumped" off the other chat sessions was 1) the Chat personnel couldn't answer that question and 2) they were having "system issues." FIRST it would have been nice if the other 2 reps would have kindly told me I would have to call in my question. I would have been totally fine with that if they would have just told me up front! SECOND, I don't believe the "system went down" crap. I've been told to say that before for "good customer service." Over all, I'm giving Kohls a one star because their savings aren't very good, their prices are too high, customer service stinks and in store pick-up takes forever.… show more
Dec 26, 2015
I love what the benefits and discounts this card offers. However, it is only worth getting if you can pay the bill off every month. The high-interest rate (23.99%) is a disadvantage of this card. It also came with a very low limit compared to other cards I've had. Regardless, if you can pay the bill without accumulating any interest, it is well worth getting this card.
Dec 21, 2015
I like the discounts available when using my Kohl's card. However, the interest rate is high, comparable to most store credit cards, so I try to pay it off before each billing cycle, which definitely helps to build my credit score and save me money. I like the convenience of paying my bill online too because it makes it much easier for me to budget my money.
Dec 17, 2015
I really love that I can use this card in store to receive promotions or online and get discounts on certain items plus free shipping! I have not had any problems with their customer service staff as they are always very helpful when I call in with a question. If you like shopping at Kohl's, you NEED this card! It will save you so much money in the future.
Dec 17, 2015
This card is nice because it gives you access to some premium discounts through Kohl's. They send you 30%, 20%, or 15% off coupons several times a year. However, watch out for the interest rate on this card. A plus is that Kohl's makes it easy to get around paying interest--- you can pay off your bill in store immediately after making your purchase. I do this frequently to avoid having a bill and to keep my credit score in tact. If you're a frequent Kohl's shopper, you need this card!… show more
Dec 13, 2015
I have been a customer of Kohl's for over 10 years. I am originally from Wisconsin thus I am very knowledgeable about Herb Kohl and his stores. I have used the Kohls's card for many tranaactions. I find many discounts using the card and their customer service and online support are past outstanding. I discovered a small problem a few months ago, I contacted customer support and the issue was resolved immediately. I highly recommend using the Kohl's card for all your shopping.… show more
Dec 11, 2015
I got a $25 late charge and have not been receiving bills through email or in the physical mail. I'm cancelling the card and honestly won't be shopping at the store anymore.
Dec 08, 2015
First, email or chat would not start the process of adding an authorized user for me. I had to "Call" a phone number, in which I had to provide the name and address of my partner (same address). So I thought that was it, until she received a letter, which was 2 pages of forms she had to fill in. They wanted her SSN, and a lot of other private info, and she was to mail it back. Really? Who writes their SSN in their mail and sends it back? Anyway, she did fax, and it took them 8 weeks to send out a card. It was ridiculous since even fax is insecure.… show more
Nov 20, 2015
Really the only positive thing about this card is the 30-40% off codes and free shipping codes for card members. The late fees are ridiculous. Also, I have had the issue where i scheduled a payment, which was never processed, and so I was charged a late fee. The customer service for Kohls is also horrendous. I'd only recommend this card if you shop at Kohl's regularly for the extra card member discounts.
Nov 14, 2015
I like that a 15% discount automatically arrives with the card. I also like that there doesn't appear to be any yearly membership fee. What I most certainly DON'T like is the 23.99% APR. That sort of thing used to be referred to as "highway robbery," where I come from. The "grace period" is nice but, honestly, nothing at Kohl's is nice enough to forfeit 24% for nothing over. I would avoid cards like these at all costs.… show more
Nov 10, 2015
There is a Kohl’s located really close by to my house and I often shop there during the weekends. They are a bit like Macy’s but with cheaper prices. One day, I finally decided to apply for a Kohl’s store card. The best thing about this card is you can actually get free shipping if you use the card online. Shipping can be super expensive especially since I sometimes buy kitchen appliances online to give away as gifts. This card definitely saved me money with the free shipping option. Kohl’s often has a lot of perks like Kohl’s cash and various coupons so it’s convenient to just use this card to shop at the store.… show more
Nov 07, 2015
I've only had this card for a very short period of time. It is my first credit card & man all I have to say is I am in love. I get soooo many savings & so many stuff for cheap. I got a hoodie that was 60$ for only 16!!! Kohls is amazing with their discounts & kolhs cash & 5$ for every 100 points. To keep myself from going overboard I limit it to only using it a couple times a month mainly for birthday gifts, because with all the coupons I could literally shop all day. Lol Hope this builds my credit really good. Looking forward to being a member for yearsssss to come! Honestly I would never go to another store & pay retail for anything after finding out about kohls. I blame my aunt. I was going around to pawn shops looking for a gold necklace she told me to go get one at kohls with a credit card I thought I would get denied but ended up getting approved. & Have been hooked ever since the first day. If you use all they have to offer the right way you will literally save so much. Thanks Kohls!!… show more
Oct 27, 2015
Has anyone else experienced a nightmare trying to get your credit in the form of a check back from over payment on a closed account? It's been nearly 6 months and 10+ phone calls and no one can seem to give me an answer, they just keep resubmitting a request to send the check. I will never get another Kohl's credit card and I discourage anyone else from doing this. The reason I overpaid was because the online payment center hardly ever works, so when it did, the last time I used one, I had to schedule payments in intervals of $50 until the card was paid off and overpaid. It has been the worst experience I have ever had with a credit card and I canceled my account.… show more
Oct 27, 2015
DO NOT GET A KOHL'S CHARGE CARD...The website is ALWAYS down to make online payments... then when you go in the store to make a payment, they make you call and sit on hold forever.
Also, I overpaid $50 on my account and when I canceled the card, I had a $50 credit. I have called back over 10 times to check on the status of my check that has supposedly been distributed 4 times. It has been 5, nearly 6 months and I have still not yet received my check and each time I call back and speak with someone different, I never get an answer.... they just process the check again and I have to keep calling back. They will not call me back and follow-up on the request.… show more
Also, I overpaid $50 on my account and when I canceled the card, I had a $50 credit. I have called back over 10 times to check on the status of my check that has supposedly been distributed 4 times. It has been 5, nearly 6 months and I have still not yet received my check and each time I call back and speak with someone different, I never get an answer.... they just process the check again and I have to keep calling back. They will not call me back and follow-up on the request.… show more
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Last updated on: December 6th, 2019 at 08:22
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Dec 6th, 2019 at 08:22 ET