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Kohl’s Charge Card

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Frequent Kohl’s shoppers can be rewarded for their patronage with the Kohl’s Charge Card. You’ll receive multiple discount coupons through the mail, can return items without a receipt, and spending $600 in a year will give you lifelong Kohl’s Most Valued Customer status, and all the shopping benefits that come with it.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 27.24% Variable

Kohl’s Charge Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Introductory Bonus
  • 35% discount on your first purchase

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $38
Returned Payment Fee Up to $38
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Kohl’s Charge Card


  • 15% discount arrives in the mail with your new card
  • 35% discount on your first purchase in-store or online
  • 12 special discounts of 30%, 20% or 15% every year
  • Most Valued Customer (MVC): Spend $600 in 12 months and receive MVC status, which offers 18 exclusive discounts annually


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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 35% off your first Kohl’s charge purchase in-store or online. You’ll also get 12 additional discount mailings every year.

Kohl’s MVCs (Most Valued Customers) will get even more out of this card, like six 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.

The information related to Kohl’s Charge Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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