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My Kohl’s Card: Knowing More About It

If you are located in the US, there is a huge possibility that there is a Kohl’s department store near you. After all, Kohl’s has more than 1,100 locations in 49 states.

The company is a store that is commonly known for accessories, shoes, and clothing. However, they’ve got a huge offering of gifts, housewares, and other products as well.

For those who don’t know, Kohl’s has co-branded with Capital One to create a credit card known as My Kohl’s Card.

My Kohl’s Card can be an ideal option for frequent clients who want to save money. However, getting the maximum value out of the card can be a bit complicated. The reason for this is that you will have to monitor a variety of discounts, promotions, and sales.

What is My Kohl’s Card?

If you visit the website, you will find that the Kohl’s credit card has an official name – Kohl’s Charge.

According to, this credit card works like almost every credit card out there. However, it is something known as a closed-loop card. This means that you can only utilize My Kohl’s Card at Kohl’s stores.

The card has an interest rate of 27.24% Annual Percentage Rate (APR). You also don’t have a cash advance option or balance transfer.

According to the website, My Kohl’s Card does not have a yearly fee. However, late fees can be up to $40.

Because of this, your Kohl’s Charge card is free for you to have if you are eligible to get one and pay your credit card bills in full and on time. You will get all the advantages of being a cardholder.

Brief Details About Their Offers

If you visit, you will find details about their offers. Unlike regular store credit cards, the Kohl’s Card is a bit different.

Rather than removing 5% of the price of the item at the checkout, Kohl’s provides regular sales and promotions to offer cardholders additional opportunities to shop at a discount.

These promotions take several forms according to This includes:

  • Kohl’s Cash

Kohl’s often runs promotions in which cardholders get a $10 Kohl’s Cash coupon for every $50 they spend on the store. They usually give the coupons during your checkout.

However, you can only use these coupons during particular dates. Thus, you will have to return to the store to use it instead of spending the coupon immediately.

  • Kohl’s Coupons

The cardholders of Kohl’s Card occasionally obtain exclusive coupons either in the Kohl’s Wallet App or by mail. The Kohl’s Wallet will keep track of your various coupons and offers in one place. Thus, you won’t have to worry about physical coupons.

Typically, the coupons are good for 30%, 20%, or 15% off an entire purchase for a limited time.

  • Introductory Discounts

According to, you might be eligible for one-time savings off your first purchase when you open a new Kohl’s Card.

According to the website, you will save an additional 35% off your first purchase. Then, you will get an additional 15% coupon whenever your new card arrives in the mail.

Customer Reviews About

If you want to get more information about Kohl’s Card, you will have to visit Unfortunately, there have been mixed opinions about their online shopping services on different websites.

According to previous clients, the company needs to improve its customer support service.

Should You Get the Kohl’s Credit Card?

If you are a frequent shopper at Kohl’s or you’re planning to change your regular department store, it’s difficult to ignore the initial savings you get for opening a Kohl’s card.

Also, you will gain the benefits of this great store credit card if you are a wise shopper who has the flexibility and discipline to shop during special offer periods.

In addition to that, you will get the most out of your Kohl’s Card if you are excellent at tracking rewards.

So, if you think that you’ll benefit from getting a Kohl’s Card, you shouldn’t hesitate to visit for more details about registration.

How to Apply for the Kohl’s Card?

It is easy to quickly apply for a Kohl’s Card. You don’t have to get a hard inquiry on your credit report to see if you’re eligible for online registration.

Once you know you are eligible, you can submit an application in-store or online to open your card account. Also, there is no required minimum credit score for being approved.

Thus, you might be approved even if you have a bad credit score.

Disadvantages of Kohl’s Card

Just like any other items out there, there are also drawbacks to getting a Kohl’s Card. Always remember that the Kohl’s Card is a retail store card.

Retail store cards have a couple of disadvantages. This includes the fact that they are issued as subprime credit in general. This means that you pay a high APR if you carry a balance.

In addition to that, retail store cards are sometimes issued with low credit limits. Of course, this isn’t a bad thing since it can prevent people from overspending.

However, you might be disappointed in the credit line you get from Kohl’s, especially if you are used to getting $5,000 credit lines from other card issuers.

Lastly, The Kohl’s Card might not be of much benefit to you if you do not shop at the store frequently. The reason for this is that it does not provide a rewards program outside of the one available to every shopper.

If that is the case, you might be better off getting a rewards card that enables you to earn cashback on every department store you buy.


When it comes to costs, benefits, and features, the Kohl’s card is almost the same as other retail store cards.

Adding a retail store card to your wallet can help you establish credit. However, before you get a Kohl’s card, make sure you frequently shop at the store.

Read more: Technology Developments in Credit Card Management


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