Best Kohl's Credit Card

Kohl’s Credit Card is a store-branded card issued by Capital One. It is designed for frequent Kohl’s shoppers who want to save money on purchases. Unlike regular credit cards, this card can only be used at Kohl’s stores and online. However, it offers attractive discounts, special promotions, and exclusive rewards for cardholders.

One of the biggest perks of the Kohl’s Credit Card is the extra savings. Cardholders receive a special discount of 35% off on their first purchase after approval. Additionally, they get at least 12 special offers per year, making it a good choice for loyal Kohl’s customers.

Moreover, this card offers Kohl’s MVC (Most Valued Customer) status to users who spend $600 or more annually. MVC members receive additional discounts and promotions. On top of that, Kohl’s allows cardholders to stack coupons, meaning they can use multiple discounts on a single purchase.

However, one drawback of the Kohl’s Credit Card is the high APR (Annual Percentage Rate). If you don’t pay your balance in full each month, you may end up paying a lot in interest. Additionally, since it is a store card, it cannot be used anywhere other than Kohl’s.

Overall, if you shop at Kohl’s frequently and can pay your balance on time, this card can be a great way to save money.

How to Apply for Kohl’s Credit Card

Applying for a Kohl’s Credit Card is simple and can be done online or in-store. Here’s how you can apply step by step:

Visit Kohl’s website – Go to the official Kohl’s Credit Card page.
Click on “Apply Now” – This will direct you to the application form.
Fill in personal details – Provide your full name, address, phone number, email, and Social Security Number (SSN).
Enter financial details – Include your annual income and employment status.
Review terms and conditions – Ensure you read the interest rates, fees, and card policies before submitting.
Submit the application – Once you submit it, you will receive an instant decision in most cases.

If you prefer, you can apply for the Kohl’s Credit Card at any Kohl’s store. Simply ask a store associate for an application form, fill in your details, and submit it. If you are approved on the spot, you can use your card immediately.

To get approved, you generally need a fair credit score (around 640 or higher). If your credit score is lower, you might still get approved but with a lower credit limit.
Once approved, you can start using your Kohl’s Credit Card to enjoy discounts and rewards.

Does Kohl’s Credit Card Have Worth?

Whether the Kohl’s Credit Card is worth it depends on your shopping habits and financial discipline. If you are a regular Kohl’s shopper, this card can offer substantial savings. However, if you don’t shop at Kohl’s often, it may not be very useful.

Exclusive Discounts: Cardholders get up to 35% off on the first purchase and at least 12 special offers per year.
Stackable Coupons: You can combine cardholder discounts with Kohl’s Cash and other coupons.
MVC Status Perks: If you spend $600+ annually, you get additional offers.

High APR: The card has a high-interest rate (around 30% APR), which can be expensive if you carry a balance.
Limited Usage: Since it’s a store card, you can’t use it outside Kohl’s.
No Cashback or Travel Rewards: Unlike other credit cards, it does not offer cashback or travel rewards.

If you shop at Kohl’s frequently and pay off your balance each month, the Kohl’s Credit Card can be a great money-saving tool. But if you rarely shop at Kohl’s, a general cashback credit card might be a better option.

Kohl’s Credit Card Customer Service

Kohl’s offers a dedicated customer service team to help cardholders with their inquiries. Whether you need assistance with payments, lost or stolen cards, or billing disputes, you can contact Kohl’s Credit Card customer service through various channels.

Phone Support – Call 1-855-564-5748 for general inquiries, billing issues, or lost card reporting.
Live Chat – Available on the Kohl’s website for quick assistance.
Email Support – You can send an email via Kohl’s official support page.
In-Store Help – Visit any Kohl’s store and speak to a representative for card-related concerns.

Monday to Saturday: 7 AM – 10 PM (CT)
Sunday: 9 AM – 10 PM (CT)
Kohl’s Credit Card customer service is known for being helpful and responsive, making it easy for cardholders to get assistance when needed.

Kohl’s Credit Card Login

Managing your Kohl’s Credit Card online is quick and convenient. By logging into your account, you can check your balance, make payments, view transaction history, and update personal details.

Go to Kohl’s Credit Card Login Page – Visit Kohls.com.
Click on “Sign In” – Located at the top right corner of the website.
Enter Your Credentials – Provide your username and password.
Click “Submit” – You will be redirected to your account dashboard.

If you forget your login details, click on “Forgot Username or Password” on the login page and follow the instructions to reset them.
With online access, managing your Kohl’s Credit Card becomes hassle-free, allowing you to stay on top of your finances from anywhere.

For quick assistance, Kohl’s provides a toll-free number for cardholders to contact customer support. Kohl’s Credit Card Toll-Free Number: 1-855-564-5748 (Available 7 days a week). This number can be used for:
1. Checking balance and due dates
2. Reporting lost or stolen cards
3. Disputing transactions
4. Updating account information
5. For faster service, have your account details ready before calling.

Who Should Get Kohl’s Credit Card?

Kohl’s Credit Card is not for everyone. It is best suited for specific types of shoppers who can benefit from its exclusive offers.

Frequent Kohl’s Shoppers – If you shop at Kohl’s at least a few times a year, this card can save you money.
Discount Seekers – The card provides extra savings, making it ideal for those who love bargains.
People Who Pay in Full – Since the card has a high APR, it is best for those who avoid carrying a balance.

Occasional Kohl’s Shoppers – If you rarely shop at Kohl’s, this card may not be useful.
People Who Carry Balances – The high interest rate can be costly if you don’t pay in full.
Those Who Want Universal Usage – Since it’s a store card, you cannot use it outside Kohl’s.
If you fit into the right category, Kohl’s Credit Card can be a great way to maximize savings.

Pros and Cons

Pros and Cons of Kohls’ Credit Card are as follows:

✅ 35% off first purchase after approval
✅ 12+ special discount offers per year
✅ MVC (Most Valued Customer) perks for spending $600+ annually
✅ Stackable coupons for extra savings

❌ High APR (~30%), making it costly if you carry a balance
❌ Limited usage (only works at Kohl’s)
❌ No cashback or travel rewards

Kohl’s Credit Card Benefits

Kohl’s Credit Card comes with several exclusive benefits that make shopping at Kohl’s more rewarding.

35% off first purchase
At least 12 exclusive discount offers per year

Spend $600+ annually to qualify
Get extra savings and free shipping offers

Unlike some other store cards, Kohl’s Credit Card has no yearly charges
With these benefits, frequent Kohl’s shoppers can save hundreds of dollars annually.

Kohl’s Credit Card Requirements

Before applying, you must meet certain eligibility criteria:

Basic Requirements:
✔ Age: Must be 18 years or older
✔ Credit Score: Usually requires fair credit (640+ score)
✔ Income Proof: Must have a stable income source
✔ US Residency: Should be a US citizen or permanent resident

Meeting these requirements improves your chances of approval.

Kohl’s Credit Card App

The Kohl’s Card App allows users to manage their account on the go.
Features:
1. Check balance & transactions
2. Make payments easily
3. Receive exclusive discount alerts
It is available for both iOS and Android devices, making it a convenient tool for cardholders.

Kohl’s Credit Card Offers

Kohl’s regularly provides special offers to cardholders, including:

  • 35% off first purchase
  • 10-30% off coupons throughout the year
  • Exclusive Black Friday & holiday discounts
  • Checking Kohl’s website frequently can help maximize your savings.

Final Verdict

Kohl’s Credit Card is an excellent choice for loyal Kohl’s shoppers. With exclusive discounts, special offers, and MVC perks, it helps users save money. However, due to its high APR and limited usability, it may not be the best option for everyone.
If you shop at Kohl’s frequently and can pay off the balance in full each month, this card is a great way to enjoy extra savings. Otherwise, a general cashback credit card might be a better fit.

Frequently Asked Questions

Kohl’s Credit Card is issued by Capital One.

You can pay online through your Kohl’s account, via the Kohl’s mobile app, by mail, or in-store at any Kohl’s location.

Call 1-855-564-5748 or visit a Kohl’s store to request cancellation. Ensure you pay off any outstanding balance first.

Activate it online at Kohls.com or call customer service.

No, the Kohl’s Credit Card can only be used at Kohl’s stores and on Kohl’s website in the United States.

35% off first purchase
At least 12 exclusive discount offers per year

You can track your Kohl’s Credit Card application status by visiting Kohl’s website or calling their customer service at 1-855-564-5748.

You can apply online at Kohls.com or visit a Kohl’s store and apply in person. Approval is usually instant.

You can cancel your card by calling Kohl’s customer service or requesting closure in a Kohl’s store. Make sure your balance is paid in full before canceling.

No, Kohl’s Credit Card is not a Visa or Mastercard, so it cannot be used at ATMs for cash withdrawals.

Yes, Kohl’s has many physical stores across the U.S. where you can shop and manage your credit card account.

No, since the Kohl’s Credit Card cannot be used internationally, there are no foreign transaction fees.

Yes, when you apply for a Kohl’s Credit Card, Capital One conducts a hard credit inquiry, which may lower your credit score temporarily.