I mainly shop online for more variety. Shipping is always fast. Very rarely do I have to return anything. Kohls is my go to store for most items.

If not a primary shopping card, don't get this. Until Nov 28th, I had beautiful credit in the mid 800's. Perfect payment record for over 12 years. A purchase was made on the card at the end of September. Mind you, we might use this card once or twice a year. After that purchase, Kohl's Credit failed to send a statement either electronically or paper. I didn't know there was a balance due. Mid-November, Kohl's sends three emails telling me that "You can make your payment online, it's fast, safe and easy". These were nestled amongst dozens of Kohl's spam ads and hundreds of Black Friday ads. Not one call was attempted by Kohl's to contact me: no messages or record of any phone call on the only number they had available. I have the records to prove it. I only knew because I have credit monitoring that anything was wrong. See, they reported the account late. 70-point hit on my FICO scores for a measly pocket change of a $46 bill that would have immediately been paid had I received a statement. The second I knew the account was past-due, I was on the phone with them paying it off. They even refunded the late fee.

I haven't liked using this card to begin with because it isn't the first time they screwed up the statement issue. The first time, several years ago, they told me that their paper statements system was changed and I was getting e-statements. Only I wasn't because I wasn't using that email anymore. I wasn't late that time, however, because I knew the purchase was made and was hyper vigilant at that time about my credit. At that time, they did not have an option to auto-pay off the account. I was informed of the change to having auto-pay available after paying the account to zero this time. Had I known, it would have been set up to do so. They do not have an option to have e-statements sent to your bank.

After "review", Kohl's responded that they can't fix the reporting because "the integrity of the credit reporting industry relies on correct reporting". Of course you can! Back in the day when I was young and stupid I've had these things fixed a few times. And Kohl's did not do due diligence in trying to contact me other than spammy-looking emails until AFTER they wrecked my credit. Needless to say, the pitiful $1k account was closed at my request and I will never set foot in the establishment again. Twelve years of credit perfection ruined by an inefficient, broken system and a warped perception of how the credit reporting system works. Save yourself the aggravation and don't get this card.

Good card for birthday, holiday and casual wear shopping. APR is a bit high. Love the stores. You can find all you need. Also, has great sales.

I enjoy having my Kohl's card, it was my 1st store credit/charge card approval after my Fingerhut account, and my 1st card that is through Capital One. It started off at $400 15 months ago and was recently increased to $700 after paying off my Ballance and requesting an increase. Its Still on the higher end of Apr being 25.99% or the protected balance Apr @24.99%. But I like as well as enjoy having my Kohl's charge card. My min monthly payments are affordable for me. I make sure to pay it every month before it's due date and almost always pay more than just the min amount by paying $10-$15 or more than my min.pymnt if I'm able to do so. Its also helped me with not only being invited to apply but also being pre approved for my two Capital One credit cards I currently have. So I can't really complain. I've only been working on building my credit and scores since Dec 2019, and I'm thoroughly pleased with how well my credit history has grown into being what it currently is today, two years later.

Dude jus asks me my information an gave me a credit card without me even agreeing! I assumed he was putting warranty on my belongings or something until he gave me a Receipt while I was trying to pay cash an said your all set have a great day ! An didn’t charge me anything an handed me a credit card I did not want nor agree with.

Good Card!!!!!!!!!!!! Comes in handy for the Xmas holidays!! Interest rates are good for it to be a department store card. Also good to rebuild your credit.

It’s been fun and nice to monitor my journey when checking on my status as a longtime member with KOHL’S I hope to remain with t..