Welcome to our Kohl’s Card review! This card offers boosted rewards on department store purchases, exclusive savings, and mobile payment options.

If you frequently shop at Kohl’s, the Kohl’s Card could be a great option to maximize rewards on department store purchases. Keep reading and learn all you need to know about this credit card.

The Kohl’s Card could be a good option for those who frequently shop at Kohl’s to maximize rewards on Kohl’s purchases. 

You’ll get an extra 2.5% rewards over the 5% you earn through Kohl’s Rewards Membership. So that gives you 7.5% rewards when using the Kohl’s Card, though rewards are only redeemable at Kohl’s.

Also, the card offers a welcome bonus of 35% off one purchase after opening the card, monthly discount offers, and no annual fee. 

However, the high variable APR of 30.24% on purchases is a significant downside, so we don’t recommend carrying a balance on this card.

The Kohl’s Card also offers exclusive savings, an anniversary gift, and monthly free shipping opportunities. However, you must spend $600 or more on the card in a year. 

Additionally, the card automatically converts rewards into Kohl’s Cash for use toward purchases at Kohl’s. Kohl’s Cash expires 30 days after issuance.

Also, you can’t use it toward Sephora at Kohl’s purchases or to pay for Kohl’s gift cards or charitable items.

While you can add the Kohl’s Card to mobile wallets for contactless payments, those who are not frequent Kohl’s shoppers may not find much value in the card.

Additionally, when adding another credit account, carefully consider whether this card is worth it for you.

The Kohl’s Card could be a good option for frequent Kohl’s shoppers who are looking to maximize their rewards, but it may not be worth it for casual shoppers. 

The card’s high APR and limited use outside of Kohl’s stores are significant drawbacks, so be sure to weigh the benefits and downsides before applying.

Ready for the high point of our Kohl’s Card review? As always, here is a list of benefits and disadvantages for you to compare and decide if this is the right card for you.

The answer is no. If you would like to apply for the Kohl’s Card you only need fair credit. This means a credit score of about 580 to 669 FICO points.

Want to apply for the Kohl’s Card after reading our Kohl’s Card review? We can help you with our application guide – click the link below to get started.