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Kohl's Credit Card

Kohl's Credit Card


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Over the Past 60 Days!

(0) Over the Past 60 Days!

  • APR 24.24%
  • Penalty APR 27.24%
  • Annual Fee $0
  • Late Payment Fee $35
  • Returned Payment Fee $35
  • Minimum Interest Charge $1


  • Click "APPLY NOW" to apply online
  • Save 20% on your first purchase using your new Kohl's card
  • An additional 15% will arrive with your new card in the mail
  • At least 12 special discounts of 30%, 20% or 15% every year

Expert Reviews

From the Editorial Team

This is an in-store charge card accepted at Kohl’s, and cardholders enjoy special perks and benefits such as discounts on Kohl’s purchases.

Expert Reviews of the Kohl's Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 0.0


  • 3.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

Fans of Kohl’s can earn some rather substantial discounts with this card, which is the most compelling reason to carry it. But those who carry a balance may wind up paying so much in interest that they undermine all the savings they earned through special discounts.

The Good

New card members are entitled to a 20% discount on their first purchase as soon as they open the account, plus an additional 15% discount that arrives when the new card arrives in the mail.
Kohl’s cardholders also receive a minimum of 12 special discounts, of 15%, 20% or 30%, each year. Those who spend a minimum of $600 with their Kohl's card attain status as a Most Valued Customer (MVC) and receive at least 18 of those discounts per year.

The Not So Good

The card carries a purchase APR of 24.24%, which is high, and the card is also only useful for shopping at Kohl’s. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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