Overview of Kohl’s credit cards One of the more highly valued store-issued credit accounts you’ll get, it has a high earning potential even though it can only be used at Kohl’s locations. If you spend a lot at Kohl’s, it may make sense for your budget, but if not, you’ll want to keep ahead. Card rating*: ⭐⭐ ⭐*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer. The first thing to know about the no-annual-fee Kohl’s credit cards is that it is only now accepted at Kohl’s businesses. But, it seems the existing Kohl’s credit cards is in the process of changing to the Capital One Kohl’s Benefits Visa, which you can use anywhere Visa is accepted. Still, if you do n’t spend a lot at the retailer, the card wo n’t be a fit for you. There is no annual fee for the Kohl’s credit cards, and a 670 credit report is suggested. Additionally, it comes with a special one-time welcome bonus that will save you 35 % on your first purchase made with your brand-new Kohl’s Credit Card within 14 days of receipt. Here’s what else to hear. The Points Guy has freely gathered the data for the Kohl’s credit cards. The cards lender has no reviewed or provided the information on this site. Kohl’s credit card benefits and consProsCons7.5 % up in benefits on every qualification buy made at Kohl’s with your new cards
No monthly charge
Limited-time cash promotional events where cardholders make an additional$ 10 for every$ 50 spent in a single transaction.
Minimal earning and saving options
Not much value if you do n’t spend a lot of money at Kohl’s.
Kohl’s payment card benefitsThe Kohl’s card has a brief list of advantages, but customers will regularly receive regular special discounts, either in the email or through the Kohl’s mobile app. In the app, your Kohl’s Wallet keeps track of all offers and coupons, but these offers have some limitations and ca n’t be used on certain brands and products. THOMAS BARWICK/GETTY IMAGESThat’s about it — never much in the way of perks, perhaps for a no- annual- charge wholesale credit card. Most people will be much better off with a standard cash-back or journey credit card if you’re looking for big perks. Making and redeeming points with the Kohl’s record cardThe Kohl’s cards earns rewards in the form of the company’s rewards money, Kohl’s Money. Regular Kohl’s Rewards members receive 5 % of all purchases made in the form of Kohl’s Cash, which is distributed in$ 5 increments on the first day of the month. If you have the Kohl’s Card, yet, you’ll rather find 7.5 % back on all buying — a great price if you spend a lot at Kohl’s, and one that makes up for the lack of other reward types. D3SIGN/GETTY IMAGESThe downside is that Kohl’s Cash expires very quickly — 30 days from its issue date. You’ll have to spend a lot of money at Kohl’s to use your rewards. Additionally, cardholders who use their card for$ 600 in a calendar year will be given the status of” Most Valuable Customer,” giving them access to additional savings and offers throughout the year. You’ll also get occasional benefits like free shipping, which can be combined with other Kohl’s coupons. Again, these earnings rates wo n’t provide much value for those who do n’t regularly shop at Kohl’s. For instance, TPG writer Ryan Wilcox appreciates cards with low-cost value and a few straightforward benefits, but he rarely ( if ever ) purchases a Kohl’s card, making this card a non-starter. It is worth noting that the Capital One Kohl’s Rewards Visa earns 3 % on gas, 2 % at grocery stores and 1 % everywhere else Visa is accepted. These rewards are still in the form of Kohl’s cash, so this card is still far more restrictive than a general cash back card. Related: Store vs. cash- back credit cardsWhich cards compete with the Kohl’s credit card? There are many affordable credit cards that appeal more broadly than the Kohl’s Credit Card. Here are just a couple: For additional options, check out our list of the best no- annual- fee cards. Related: How to choose a credit cardIs the Kohl’s credit card worth it? The Kohl’s card is only useful for those who want to receive a ( sizable ) portion of the money spent at Kohl’s. If you’re not a Kohl’s loyalist, you’re better off looking elsewhere. Bottom lineThe Kohl’s credit card earning rate is among the best in the category of store-issued credit cards. Aside from that, though, it has limited perks, and the simple fact that it’s only accepted at Kohl’s will likely be a dealbreaker for most. The typical consumer will be much more successful with a general cash-back credit card when it comes to earning rewards. The Points Guy has independently gathered the information for the Kohl’s credit card. The card issuer has not reviewed or provided the information on this page.
