Kohl's Credit Card

Kohl's credit card is designed for frequent users on Kohl's stores. Kohl's is an American department store retail chain, operated by Kohl's Corporation. With 1,158 locations, it is the largest department store chain in the United States as of February 2013. Kohl's has launched a variety of promotional activities to attract customers, such as Kohl's Cash. The company also offers Kohl's credit card, which you can use only in its department stores and website. In addition to offering fairly easy credit, Kohl's credit card offers a number of benefits.

Kohl's Credit Card (190)

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Kohl's Credit Card Basics

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 Kohls. 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.

About Kohl’s Credit Card login, you need to go to the Kohl’s official website.

Advantage of 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.

Should You Get Kohl's Credit Card?

If you’re already a Kohl’s devotee who knows all the secrets to shop there, from surprise coupons when using in-store Wi-Fi to watching for the retailer’s night owl and early bird specials, you need to get one. If you shop frequently enough at Kohl’s to use rewards certificates before their expiration date, you need to get the Kohl's, Credit Card. Also, if you are the one who wants to improve your credit, you need to get the Kohl's, Credit Card.

If you plan to pay your balance in full every month and have the time and desire to shop on specific dates in order to take advantage of your card benefits, the Kohl’s credit card is a solid credit card product. If those two terms conditions don’t apply to you, you may be better off looking elsewhere for a better all-around credit card.

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