Kohl’s Charge 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 selection of discounts, but watch out for the high APR.

This card doesn’t offer rewards, but cardholders can take part in Kohl’s Yes2You Rewards program.

Right now you can take an extra 30% off your first Kohl’s charge purchase in-store or online. You’ll also get a 15% discount by mail along with your card, and 12 additional discount mailings every year.

Kohl’s MVCs (Most Valued Customers) will get even more out of this card, like 6 extra discount mailings per year.

You won’t need a receipt to return items bought with the Kohl’s Charge Card, and users will get early notice of special sales and promotions.

Where can I use my Kohl’s Charge Card?

This card can be used at Khol’s department stores or at its online store.

Card Quick Facts

Card Quick Facts

  • 15% Discount: Arrives in the mail with your new card.
  • 35% Discount off your first purchase in-store or online.
  • 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



This card does not offer rewards.

Introductory Bonus

  • Save 30% on your first purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.24% Variable
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

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

Cash Advances

Cash Advance APR -
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.

  • 15% Discount

    Arrives in the mail with your new card.

  • 12 Special Discounts

    Receive 12 special discounts of 15%, 20%, or 30% 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.

Visitor Reviews

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

Submit your review

Create your own review

Average rating:  
 6 reviews
by Maryann
Will not set up Auto Pay

I wish I could leave zero stars. I have all my bills on auto pay and have never had an issue setting it up. I asked them to do this for me last year and the lady asked for my information and said it was set up. Apparently I miss understood that it was only for 3 months and I would have to log on myself and do it for continuing auto pay. So after 3 months I received several late fees for missing months of payments. I explained I saw payments coming out and thought it was set up. I never received a bill until I was about 3 months behind. They said they could not waive the late fees because I had some waived in the past. That is the whole reason I want auto pay. I am busy and have all my bills on auto pay. Finally she explained to me how to log into my account and put my account number in and set it up myself. I told her I didn’t understand why I had to do it all my other credit cards did it for me. She said for security purposes but honestly I think they like charging late fees. So I logged in and put my information in that same day. I meant to call to make sure everything went through but ended up forgetting which is my fault. Now I have a bill with more late fees and only the one payment came out of my account. This is the first bill I have received in 2 months since I thought I set it up. I even picked the day I wanted it to come out. I should have called or checked my bank account but I trusted again it was taken care of. I love shopping at Kohl’s and have spent plenty of money their having their MVC status. They already told me they are not waiving anymore fees since they explained to me how to set up auto pay. Well my cards getting cut up and they will not have my business anymore if this is not resolved.

by Sandra Daniels

I was late on payment because we were out of town and I didn't have internet. Came home to email notice, got out my checkbook and sent the full amount that morning. I had forgot about it and felt awful. Also got a phone call and the gentleman was very nice and said he figured that something was wrong because I was never late. I apologized and told him the payment in full was in the mail and gave him the check number and amount. Thought with my payment history on all my bills everything was okay. NOT! Took my credit score down amost 100 points when it was over 800. I no longer use that credit card and seldom shop there anymore when it use to be my favorite store, no more.

by Jill Hacket
horrible billing customer service

I looked at the last review written and it sounded almost identical to my situation. However, my incident got worse when the rep called to say I missed a payment - I asked him to give me the final, absolute final payoff figure and I would pay and close the account - he gave me the payoff on the due date - not the final payoff - after thinking my account was paid I was late again and another $27 gets added to a $50 bill. I closed the account. They did not listen to the customer and were very unhelpful. I was an excellent MVP customer for 20 years! Will never step foot in the store again.

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.

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