Kohl’s Card review: Exclusive deals!
With the Kohl’s Card you will get a welcome bonus of 35% off, monthly discount offers and much more. Check it out!
Maximize Your Rewards on Department Store Purchases with your Kohl’s Card
Welcome to our Kohl’s Card review! This card offers boosted rewards on department store purchases, exclusive savings, and mobile payment options.
- Credit Score: Fair (580-669)
- APR: 30.24% variable APR on purchases
- Annual Fee: $0
- Fees: No balance transfer fees, no cash advance fees, and no foreign transaction fees.
- Welcome bonus: 35% off one purchase after opening the card.
- Rewards: Boosted rewards on department store purchases, with an extra 2.5% rewards over the standard rewards program. Rewards are automatically converted to store credit for use toward purchases.
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.
Kohl’s Card: how does it work?
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.
You will be redirected to another website
Significant benefits and disadvantages you may find
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.
- Boosted rewards on department store purchases.
- Welcome bonus of 35% off.
- Monthly discount offers.
- No annual fee.
- High variable APR of 30.24%.
- Limited use outside of Kohl’s.
- Monthly free shipping for high spenders only.
- Rewards expire after 30 days.
Is a good credit score required for applicants?
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.
Learn how to apply and get a Kohl’s Card
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.
About the author / Danilo Pereira
Capital One Walmart Rewards® credit card review: Get up to 5% cash back at Walmart
If you're a frequent shopper at Walmart, read this Capital One Walmart Rewards® review to see all the benefits of having this card!Keep Reading
Capitec Credit Card review: Free travel insurance
Looking for a high credit limit and earning interest on a positive balance? Check out this Capitec Credit Card review!Keep Reading
You may also like
How to get your World of Hyatt credit card with an online application
In this World of Hyatt Credit Card application guide, you'll learn how to get this card to earn rich rewards and a substantial welcome bonus.Keep Reading
US Bank Cash+® Visa® Secured Card application
Applying for the U.S. Bank Cash+® Visa® Secured Card is easy! Learn how to get started and find out what you need to qualify.Keep Reading