Kohl's Credit Card

If you live in the United States, there’s a very good chance you live near a Kohl’s department store. The company has 1,100 locations in 49 states (sorry, Hawaii). The first Kohl's Department Store opened in 1962, selling groceries alongside its other goods.Today, the retailer is best known for its selection of clothing, shoes, and accessories, but Kohl's also has a robust offering of housewares, kitchen products, and gifts. For regular shoppers, the store’s credit card is a decent choice. It has the potential to save frequent Kohl’s customers a lot of money — but getting maximum value out of the card can be complicated.

Kohl's Credit Card (2)

Kohl's Credit Card

  • Save 25% on your first purchase using your new Kohl’s Credit Card
  • This card entitles you to at least 12 special offers.
  • Get another 15% discount when you card arrives in the mail. To be used on separate future order.
  • Spend $600 on your Kohl's Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year

KOHL'S CHARGE CARDS

Shop With A Kohl's Charge And Take An Extra 30%, 20% Or 15% Off. Printed on the cover of your mailer is a Kohls.com Promo Code. Simply enter this Promo Code when you check out with your Kohl’s Charge, and you’ll save 30%, 20% or 15%!* Valid at Kohl's and Kohls.com.

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Alternative Credit Cards of Kohl's Credit Card

Discover it® Cash Back Credit Card

The Discover it Cash Back credit card is one of the main credit cards from Discover. Its most appealing features are the scarcity of fees and the abundance of rewards.New cardmembers get double cash back on all the rewards earned in the first year. That’s a great deal that you won’t find from other card issuers.The Discover it has a 14-month 0% interest rate, a pretty long period for paying off purchases at no interest. There are also some basic shopping and travel protections, plus the ability to monitor one of your FICO 8 Credit Scores.Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.

Chase Freedom Unlimited

The Chase Freedom Unlimited credit card offers 1.5% cash back on every purchase you make. You’ll also get a 0% introductory APR for 15 months for both purchases and balance transfers, which is quite a long time.Earn $150 cash back for spending $500 in the first 3 months.For a similar card that offers 5% cash back on different categories of purchases, check out the Chase Freedom credit card.

Blue Cash Everyday® Card from American Express®

The Blue Cash Everyday® Card from American Express® offer generous cash back rewards, bonuses, and a number of additional benefits.There is also a Blue Cash Preferred® Card from American Express® (Review) version, an upgraded card with additional reward opportunities with an annual fee.

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What Kohl’s Credit Cards Are Available?

The store’s credit card is called the Kohl’s Charge. It’s a “closed-loop” store card, meaning you can use it only at Kohl’s. The interest rate is quite high — 21.9% as of February 2017, so it’s not a card you’d want to carry a balance on.

Many store cards, such as the Amazon Prime Store Card, offer cardholders a discount on every purchase. The Kohl’s card is different. Instead of knocking off 5% or so at checkout, Kohl’s runs regular promotions and “secret sales” to give cardholders extra opportunities to shop at a discount. These promotions take several forms:

KOHL’S COUPONS

Kohl’s Charge cardholders receive a scratch-off coupon in the mail once a month. The coupons are good for 15%, 20% or 30% off their entire purchase for a limited time. The company says the discount amount is random, but some Kohl’s devotees (including my sister) will say they get better coupons if they shop at the store more often. Usually the coupons are valid for only a limited time, starting a few days after they arrive in the mail.

KOHL’S CASH

Kohl’s frequently runs promotions in which shoppers get a $10 coupon for every $50 they spend. The coupons are handed out at the time of purchase, but they’re not active until several days later. This way, shoppers have to come back to the store rather than just turn around and spend the money right away.

YES2YOU REWARDS

The company’s rewards program pays points when you make purchases in a Kohl’s store or online. The points can be exchanged for coupons. You don’t have to be a Kohl’s Charge cardholder to participate in the program.

OTHER SALES

Although most of them are not exclusive to Kohl’s Charge customers, Kohl’s does run other sale events. Customers are notified via email alerts, mailers, in-store signs and sometimes scratch-off coupons available at the register.

How The Kohl’s Credit Card Works

The first thing to understand about the Kohl’s credit card is that it is a retail charge card, which means it can only be used for purchases of Kohl’s merchandise. As with most retail cards, it is issued with a store credit limit that is typically lower than credit limits issued on regular credit cards. The amount of credit issued depends on the credit standing of the cardholder and ranges from $300 to $3,000, though it tends to be under $1,000 for most people. Since the Kohl's credit card is a charge card, the balance is expected to be paid in full each month, but cardholders can carry a balance if they are willing to pay the hefty variable annual percentage rate (APR), which was 24.24%, as of July 2016. The card does not charge an annual fee.

What to Consider Before Applying a Kohl’s credit card?

The first thing to understand about the Kohl’s credit card is that it is a retail charge card, which means it can only be used for purchases of Kohl’s merchandise. As with most retail cards, it is issued with a store credit limit that is typically lower than credit limits issued on regular credit cards. The amount of credit issued depends on the credit standing of the cardholder and ranges from $300 to $3,000, though it tends to be under $1,000 for most people. Since the Kohl's credit card is a charge card, the balance is expected to be paid in full each month, but cardholders can carry a balance if they are willing to pay the hefty variable annual percentage rate (APR), which was 24.24%, as of July 2016. The card does not charge an annual fee.

Bottom Line: Is the Kohl's Charge card worth it?

That depends. The Kohl’s Charge card is worth it if the consumer shops at Kohl’s often and is aware that the card can only be used at Kohl’s. Likewise, the rewards can only be used at Kohl’s. Additionally, cardholders will have to keep track of the promotional dates on their special offers/percent-off coupons — once they expire they are no longer useable.

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