Kohl’s Charge Credit Card

For People with
Fair Credit



The Kohl’s credit card is called the Kohl’s Charge Card, even though you can carry a balance with it like a typical credit card. It offers a generous reward package, but watch out for the high APR.

Card Quick Facts

Card Quick Facts

  • 15% Discount: Arrives in the mail with your new card.
  • 12 Special Discounts: Of 30%, 20% or 15% every year.
  • Savings: Combine your Kohl’s Charge discounts with sale prices and special offers, like Kohl’s Cash®.
  • Most Valued Customer (MVC): Spend $600 in 12 months and receive MVC status, which offers 18 exclusive discounts annually.

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details




How to Redeem

Introductory Bonus

  • Save 20% on your first purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.99% (Variable)
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR -
Late Fee Up to $35
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR N/A
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 3 reviews
by PJsOpines
Convenient; Bad Billing Service

I've had this card since 1998. Recently I received a bill showing a late payment. I immediately looked for my previous months bill because I pay my bills and file them when I receive them. In short, I didn't find a bill for that month. So, because the amount of the late payment was so low, I went ahead and paid it rather than fighting with Kohls. Then I tried to set up an autopay so that no future bills would be missed even if I didn't received a bill. When I called Kohls Customer Service, I explained all of this to them. They said if I had missed a payment, I could not set up an autopay for a couple of billing cycles. This makes no sense unless Kohls is making extra $$$ by failing to send out statements resulting in late fees. Then, by not letting me sign up for autopay, I can't prevent this from happening again. I told customer service to look at my account history to see that my payments were made on time. This did absolutely no good. I am a MVC cardholder and have a good credit score. No effort was made on my behalf to help resolve this issue. I love to shop at Kohls both in the store and online. If I wasn't such a fan of the store I would cancel this card. However, since their good sales are tied to their credit card I won't. My recommendation to others is to set up autopay before you have a credit issue, because Kohls customer service isn't going to help after you have a problem.

by Ang
Kohl's Card is NOT worth it

This is the worst credit card ever!! They never mailed me an actual credit card, So I only had that tiny slip of paper with my account number, which I unfortunately lost 6 months later. I literally could not access my account to make a payment. Even after calling and giving my SS# and DOB, I still could not get my Account Number. I dealt with customer service in the Philippines and was cut off. Then, someone from Mexico City who actually lied and told me he would email my account number. Finally, I finally got a customer service rep in Wisconsin who was able to help, but that was a whole lot of wasted time and frustration just to pay my bill and give Kohls money.Maybe this company should think about keeping its customer service in the USA where the operators actually care about their customers. It was a complete disservice to outsource my call to these other operators who were not helpful at all and literally lied. This Kohl's credit card is not worth the hassle! Don't bother with it. You can still gt Kohl's Cash and coupons without this credit card. Don't waste your time.

by Tia

They lost my check that I sent. Charged me a fee. I had the fee reversed. And then they charged me a fee that was double the original fee because I didn't pay the original fee "on time," the original fee that was reversed. Just continued bad customer service!!!!!!!

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