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Review of the Kohl’s Charge Card

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Brendan Harkness By Brendan Harkness Dec 19, 2018 | Updated Jan 10, 2020
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 27.24% Variable

Kohl’s Charge Card

Our rating
Fair Min. credit level
Apply Now See Alternatives

Do you love Kohl’s for the frequent discounts and sales? Are you looking for ways to save even more money shopping for clothes and home goods?

Well you can get sizable, consistent discounts all year long with the Kohl’s Charge Card, also known as the Kohl’s credit card. It’s issued by Capital One.

Cardholders will get 35% off their first purchase with the card, along with a 15% off coupon in the mail. 12 additional discounts will be mailed every year, one per month. Purchases made with the card can be returned without a receipt.

If you spend $600 in a calendar year you’ll become a lifelong Kohl’s MVC (Most Valued Customer), which will provide an additional six discount mailings per year, a birthday gift, and free shipping events every month.

That’s about all there is to the Kohl’s Charge Card; there are no spending rewards, although you can sign up for Kohl’s unrelated Yes2You Rewards program for free (which Kohl’s shoppers should do). That program provides 1X point per dollar at Kohl’s, which comes to a 5% cash back equivalent.

You’ll get the best value from this card by combining the discounts with other Kohl’s sales and offers, like Yes2You Rewards and Kohl’s Cash coupons. Look for huge savings by waiting to use your discounts for sale events and special promotions, but be aware of the excluded purchase types.

The Kohl’s Charge Card can only be used at Kohl’s, either in-store or online. There’s no annual fee, but watch out for the very high APR of 27.24% Variable (which is typical of store cards).

Although this card offers many cost-saving benefits, be aware that some cardholders report issues with payment processing and customer support. If you use this card try to make your payments early, and take the extra time to make sure they’re received and processed correctly.

Charge cards” usually refer to a type of credit card that must be paid off in full each billing period, rather than allowing you to carry a balance from month to month. But in this case “charge” is just part of the name, and the Kohl’s Charge Card is a normal credit card that allows you to carry a balance. But we don’t recommend doing so, because the APR is very high and you’ll accrue a lot of interest (pay it off in full instead).
Kohl's Charge Card

Kohl's Charge Card

Our rating
Min. credit levelFair
Annual Fee$0
Regular APR27.24% Variable
Apply Now

securely on the issuer's website

Our Rating: 3 Out of 5 Stars

We give the Kohl’s Charge Card 3 out of 5 Stars because although it has good features, offering valuable discounts for cardholders, some people report serious issues on the back end with payment processing and customer support.

Why We Like It

  • 35% introductory discount on your first purchase
  • 15% discount in the mail
  • 12 annual discounts
  • Exclusive sales and offers for cardholders
  • Receipt-free returns
  • Earn lifetime MVC status by spending $600 in a calendar year, which comes with more discounts and benefits
  • No annual fee

Why It Could Be Better

  • No spending rewards (but you can enroll in the separate Yes2You Rewards program)
  • Some cardholders report problems with payment processing and customer support

You may get a lot of value from the Kohl’s Charge Card if you shop at Kohl’s frequently and make good use of the discounts; otherwise you’ll probably be better off with a different reward or store card. Take a look at some alternatives to this card below.

Insider Advice: Getting The Most Out of Your Card

  • Start using the card immediately: After being approved for the Kohl’s Charge Card you’ll be given a temporary card number you can use to start making purchases right then and there.
  • Activate and register at My Kohl’s Charge: After receiving your card in the mail you should activate it, and create your online account at the My Kohl’s Charge website.
  • Take advantage of all your discounts: You’ll get a 35% discount on your first purchase, a 15% discount in the mail, periodic discounts throughout the year, plus extra savings. Be sure to keep track of them and use them before they expire. You need to pay with your Kohl’s Charge Card to access these discounts.
  • Combine discounts: You can combine the discounts you get from this card with many other Kohl’s sales and coupons, including Kohl’s Cash and Yes2You Rewards.
  • Enroll in Yes2You Rewards: Enroll in the Yes2You Rewards program to earn 1X point per dollar when shopping at Kohl’s, whether you pay with the Kohl’s Charge Card or not. Every 100 points is worth $5 in Rewards Cash, giving you a 5% cash back equivalent. Rewards Cash certificates expire 30 days after being issued, so use them quickly.
  • Use the Kohl’s App: The Kohl’s App is a handy place to collect all your member benefits, including Kohl’s Charge discounts, Kohl’s Cash, and Yes2You Rewards. You can add your Kohl’s Charge Card to the app for easy in-store purchases, without having to bring the actual card.
  • Become an MVC: Spend $600 in a calendar year with the Kohl’s Charge Card to become a lifetime Kohl’s MVC (Most Valued Customer), which grants you an additional six discount mailings per year, a birthday gift, and free shipping events each month.
  • Consider a different card unless using Kohl’s Charge discounts: You’ll need to use the Kohl’s Charge Card for purchases if you want to access the card’s discounts. But if you’re not using a discount you should pay with a different reward credit card when making purchases at Kohl’s to earn points or cash back, unless you’re trying to hit the $600 threshold to become an MVC.
  • Set up autopay: We recommend setting up autopay for the full statement balance each month. Take note that autopay will take effect in the following month; you’ll still need to make your next payment manually. If you don’t pay the full statement balance you’ll accrue interest at a very high rate, negating this card’s discounts.


Where Can I Use the Kohl’s Charge Card?

The Kohl’s Charge Card can only be used at Kohl’s; that includes physical Kohl’s department stores and

How Do I Log In and Manage My Account?

It’s important to know that Kohl’s has two different online systems: One for regular shoppers, and one for Kohl’s Charge Card users. If you’re a Kohl’s Charge Card user you should create an account with both.

The website for regular shoppers is just the normal Kohl’s website ( You can log in there to access your customer profile, and add coupons and discounts to your account.

The website for Kohl’s Charge Card users is My Kohl’s Charge (, and you can log in there to manage your card account, make payments, view your past purchases, and see other account activity.

Take note that the regular shopping account and the Kohl’s Charge Card account will have separate usernames and passwords. The Kohl’s shopping account uses your email address, while the Kohl’s Charge Account uses a username of your choice.

There’s also a Kohl’s App, to which you can link your Kohl’s Charge Card. The app allows you to manage your customer account, view discounts and coupons, and make card payments from your smartphone.

How Do I Pay My Bill?

There are four different ways to pay your bill for the Kohl’s Charge Card:

  1. Online
  2. In-store
  3. By phone
  4. By mail

We recommend paying online because it’s usually the quickest and easiest method.


To make a payment online, log in to your Kohl’s Charge Card account at the My Kohl’s Charge website, or through the Kohl’s App.

Online payments submitted by 7 p.m. CST will post on the same day; payments made after that time will post the day after.

We suggest setting up autopay for the full statement balance, to make sure your payment arrives on time. But there are some aspects of this autopay system that make it a bit different than most; see our instructions below for setting up and effectively using autopay for the Kohl’s Charge Card.


Credit card payments can be made in-store using check, cash, debit card, money order, or Kohl’s Cares cards.

When making card payments with cash or by check at a register, the payment may reduce your card balance instantly, freeing up more of your available credit for purchases.

Payments may not appear on your statements until the following day, but they’ll be back-dated to the day the payment was made.

By Phone

Phone payments can be made by calling 1-855-564-5748. A bank routing and account number is required for ACH payments, although debit cards are also accepted.

The details are a bit different depending on if you’re using the automated phone system or speaking with a customer service associate. The automated system will be the default option.

With the automated system, payments are free and can be made 24 hours a day. Payments made by 7 p.m. CST will post the same day, while payments made after that will post the following day.

With phone associates, on the other hand, you may be charged a fee. Phone associates are available from 7 a.m. to 9 p.m. CST, Monday through Saturday, and 8 a.m. to 9 p.m. CST on Sunday. Payments made up to 11:59 p.m. CST will post on the same day.

By Mail

Checks are the only acceptable form of payment by mail.

Payments received by mail by 5 p.m. CST will post that same day; payments received after that time will post the following day.

For many customers, payments can be sent by mail to:

Kohl’s Payment Center
P.O. Box 2983
Milwaukee, WI 53201-2983

For customers who live in certain states, a different address is used. If you live in AK, AZ, CA, CO, HI, ID, MT, NV, OK, OR, TX, UT, WA, or WV, you should send your payment to:

Kohl’s Payment Center
P.O. Box 30510
Los Angeles, CA 90030-0510

Can I Combine Kohl’s Charge Card Discounts With Other Sales?

Yes. The ability to combine discounts makes this card a cost-saving powerhouse in certain situations.

You can combine the discounts you get from the Kohl’s Charge Card with Kohl’s Cash, Yes2You Rewards, Night Owl and Early Bird specials, and other promotional offers.

You can combine dollar-off discounts with percent-off discounts, but you can’t combine multiple percent-off discounts. For example, you can use $10 in Kohl’s Cash along with a 15% Kohl’s Charge discount; but you can’t use a 15% discount and a 10% discount.

Dollar-off discounts will also be applied before percent-off discounts. So in the previous example, the $10 in Kohl’s Cash would be used first to reduce the total purchase price, and then the 15% discount would be applied.

Take note that some products are ineligible for percent-off discounts, like certain electronics, beauty and fragrance products, sporting goods, and specific brands. In most cases you can still use Kohl’s Cash and Yes2You Rewards for these products. You can see the full list of excluded purchases here.

What is the Yes2You Rewards Program?

The Yes2You Rewards program is completely separate from the Kohl’s Charge Card. You must enroll specifically in the Yes2You Rewards program if you want to participate in it; simply being approved for the Kohl’s Charge Card will not enroll you in Yes2You Rewards.

Anyone can join the Yes2You Rewards program, you don’t need to be a Kohl’s Charge Card user.

To enroll in Yes2You Rewards you must first create a shopping account, and then log in and click “Yes2You Rewards.” If you enrolled in-store, you can link your shopping account to your Yes2You Rewards account online by logging in and clicking “Yes2You Rewards.”

The Yes2You Rewards program provides 1X point per dollar spent at Kohl’s. On the first of every month, you’ll get $5 in Rewards Cash for every 100 points earned.

This means each point is worth 5 cents, giving you an overall cash back equivalent of 5% on Kohl’s purchases. That’s a pretty great deal for a simple customer loyalty program. But take note that your Rewards Cash certificates can only be used at Kohl’s, and they expire 30 days after being issued. Points in your account, which have not yet been redeemed for Rewards Cash, will expire one year after being earned.

You’ll earn Yes2You Rewards points no matter how you pay, whether that’s with the Kohl’s Charge Card or not. If you’re using a reward card, like one of our alternative picks below, you’ll earn credit card rewards on top of Yes2You Rewards points.

Yes2You Rewards members will also get a birthday gift, along with bonus point opportunities and eight discount mailings per year. If you have the Kohl’s Charge Card, which provides at least 12 discount mailings per year, you will not get an additional eight discount mailings from your Yes2You Rewards membership.

The Rewards

There are no spending rewards for using this card, like points or cash back. Instead, the value comes from the discounts and benefits you’ll receive, described below.

However, you can enroll in the Yes2You Rewards program, described above. Anyone can join this program, cardholder or not.

Since there are no regular spending rewards, we only recommend paying with your Kohl’s Charge Card when using a Charge Card discount, like the monthly offers. You must pay with your Kohl’s Charge Card to take advantage of those discounts.

If you won’t be using a discount, it would be better to pay with a general-use reward credit card instead, which will earn points or cash back.

So use the Kohl’s Charge Card when you’re getting a Charge Card-related discount, but use a different card for other purchases to earn rewards.

The exception to this strategy is if you’re trying to reach $600 in Kohl’s spending in a given year to become an MVC. In that case you should pay with your Kohl’s Charge Card until you hit that threshold, then follow this advice.

No matter how you pay, you’ll still be able to earn Yes2You Rewards on top of any discounts or card rewards you get.

When paying with the Kohl’s card, you can get discounts plus Yes2You Rewards; and when paying with a reward credit card, you’ll get card rewards plus Yes2You Rewards. With this clever strategy you’ll be able to get two layers of savings, a valuable move known as “double-dipping.”

The Benefits

Introductory 35% Discount

You’ll get a 35% discount on your first purchase after being approved for the Kohl’s Charge Card, either in-store or online. You’ll be given a temporary card number to use until your actual card arrives in the mail, which can be used for this purchase and others.

You’ll also be given a promo code, to use if your first purchase will be online; and you’ll be given a voucher form, to use if your first purchase is in-store.

Take note that this is the current online offer, which is available for new cardholders until December 29th; at that point the offer may change (if it changes it will likely become less valuable). If you applied for this card through a mail offer or in-store you may have been given a different introductory discount.

You must use your Kohl’s Charge Card for the discount to take effect.

This offer can be combined with dollar-off discounts, like Kohl’s Cash, but it can’t be combined with any other percent-off discounts. There are a variety of excluded purchases as well, including gift cards, select electronics, beauty and fragrance products, and more. You can view the full selection of excluded products here.

15% Discount by Mail

After being approved for the Kohl’s Charge Card you’ll receive a Kohl’s 15% discount coupon in the mail.

You must pay with your Kohl’s Charge Card to get the discount, and the exclusions mentioned above for the introductory discount also apply here.

12 Annual Discount Mailings

Each year you’ll get 12 discount mailings, one per month. These discounts may range from 15–30%.

You must pay with your Kohl’s Charge Card to use the discounts, and the exclusions mentioned above for the introductory discount also apply here.

Kohl’s MVC (Most Valued Customer) Benefits

If you spend $600 or more in a calendar year with the Kohl’s Charge Card you’ll become a Kohl’s MVC (Most Valued Customer). MVC status never expires; you’ll have it for a lifetime, making this a pretty valuable loyalty program for frequent shoppers (many status upgrades only last for the rest of the current year and for the subsequent year).

MVC members get a few extra benefits:

  • 6 extra discount mailings, for a total of 18 per year
  • Free shipping events every month (must use the provided promo codes)
  • Birthday gift every year

You must pay with your Kohl’s Charge Card to use these discounts, and the exclusions mentioned above for the introductory discount also apply here.

You’ll be sent a new MVC card design after reaching MVC status:

Image credit: Kohl’s

Kohl’s Charge Card Sales Events

Kohl’s Charge Card users will receive early notice of special sales and promotional offers throughout the year. Some sales and offers will be exclusive for Kohl’s Charge Card users.

Receipt-Free Returns

You won’t need a receipt to return purchases made with your Kohl’s Charge Card.

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
27.24% Variable Not Available Not Available
Annual Fee Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee
$0 Not Applicable Not Applicable Not Applicable
Penalty APR Late Fee Returned Payment Fee
Up to 29.99% Variable Up to $39 Up to $28

This card has no annual fee, but take note that it has a very high interest rate, which is common among store credit cards.

Balance transfers, cash advances, and purchases in foreign currency are not allowed with this card.

If you carry a balance from month to month you’ll accrue interest, which will eat away at any savings you found with the card. But you can completely avoid accruing interest on your purchases by simply paying your statement balance in full each month. We advise using this strategy for all cards, whether the APR is exceptionally high or not (the only exception is if you have a 0% promotional APR).

We also recommend setting up autopay for the full statement balance so you never miss a payment. To find this option, log in and click the “Payments” tab, and then click “Manage Autopay.” Take note that autopay will start the month after you enroll, so you’ll still need to make your next payment manually. Your automatic payments will start the month after that. You can connect a checking, savings, or money market account for payments.

Unfortunately, we’ve seen some reports from cardholders who say they’ve enrolled in autopay but still ended up having issues making payments. While we can’t say for sure what happened in these situations, we suggest keeping a close eye on your card payments to make sure they go through.

One major problem with this system is that you can’t adjust the day of the automatic payment; it will always begin processing just one day before your due date, so if there’s an issue or delay you may end up with a late fee. If there’s an error on Kohl’s side, you may be able to call customer support to get any fees removed.

To play it as safe as you can, you could set up autopay for the statement balance; and then, after receiving your billing statement every month, pay the full statement balance manually, well ahead of the due date. This will give you some time to make sure the manual payment goes through, and, if there was a problem you didn’t notice that prevented it from processing, the autopay should work to make the payment on time.

This is a lot of hassle just to pay off a credit card, but if you’re going to use the Kohl’s Charge Card you may want to take these additional steps to protect your finances and your credit.

You can also check the official terms and conditions for the Kohl’s Charge Card yourself.

What is the Credit Limit?

There is no specific credit limit for the Kohl’s Charge Card. Your credit limit will be determined by your overall creditworthiness, including your credit scores and income.

You can request a credit line increase by logging in to your account, clicking the “Account Summary” tab, and clicking the “Request Credit Line Increase” option. Then enter the required information. Kohl’s will allow you to request a credit limit increase once every three months.

Be aware that credit limit increase requests will often result in hard inquiries on your credit reports. If you want a higher credit limit, we recommend requesting an increase about once every 6 to 12 months or so.

Customer Support

Kohl’s Charge Card Customer Support 1-855-564-5748

You can reach customer support for the Kohl’s Charge Card by calling the number above.

Unfortunately, we’ve had a handful of complaints about this card, mostly centered on the payment system and customer service. Although the majority of cardholders may not have any problems, some people report issues trying to make payments, and then running into trouble when dealing with confusing or incompetent customer support.

Problems like these aren’t just costly and time-consuming — they can also damage your credit, if payments are received late by a certain amount of time or not received at all. Issues with payment processing and customer support are the main reasons why we typically recommend that people avoid store credit cards, unless you’re a diehard fan of the store in question.

To help ensure that your payments always arrive on time, we suggest following our recommendations above regarding autopay.

And regarding customer support, we suggest trying to get any important interactions in writing. If a customer support agent tells you that a particular late fee will be refunded, or if you make a card payment with a phone associate, try to get some proof of the result.

The Bottom Line

If you find yourself strolling the aisles at Kohl’s once every couple months or more, the Kohl’s Charge Card could be a great way to save a significant amount of money every year. But if you’re not a frequent shopper you may be better off with a different card instead.

Be sure to keep track of all the discounts you’ll get with this card — the introductory 35% discount, the mailed 15% discount, the annual discounts, and other random offers — and use them before they expire. Try using the Kohl’s App to manage all your card discounts and promotional offers in one place.

If you spend $600 in a calendar year at Kohl’s with this card you’ll become a lifetime MVC, which gives you six more discounts per year and other perks. Anyone who’s going to spend that much at Kohl’s would probably be a good candidate for this card, and the MVC benefits should make your shopping trips even more enjoyable.

Keep in mind that the APR is very high, so you’ll want to pay your full statement balance each month to avoid heavy interest charges. And take note of our recommendations about setting up autopay — a late or missed payment could be quite the headache. Some people stop shopping at their favorite store because they grow so frustrated with the store’s card service. We don’t want this to happen to you, so keep a close eye on your account balance and payments.

The Kohl’s Charge Card is very valuable in certain ways, but a different card offer might work better for you. Check out some alternative options to this card below.

Applying for the Kohl’s Charge Card

To apply for this card just click the Apply Now button below. You’ll be taken to Kohl’s website to submit your information.

You can also apply in-store at physical Kohl’s stores.

Before applying you can check to see if you’re pre-qualified for a Kohl’s Charge Card, which will have no effect on your credit reports or credit scores. Being pre-qualified or pre-approved for a credit card means you’re likely to be approved, but it doesn’t guarantee approval.

Most applicants will get an instant decision, either approved or denied. In some cases it may take longer to provide a response. If your application is denied you’ll receive an explanation why.

Qualifications and Requirements

  • Must create a Kohl’s Charge Card account
  • Optional: Create a Kohl’s shopping account online to easily access member benefits and discounts
  • Must be 18 to apply
  • Personal identifying information, including birth date, Social Security number, and phone number
  • Total household income and source of income
  • Monthly mortgage/rent payment
Kohl's Charge Card

Kohl's Charge Card

Our rating
Min. credit levelFair
Annual Fee$0
Regular APR27.24% Variable
Apply Now

securely on the issuer's website

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Alternatives to the Kohl's Charge Card

Is the Kohl’s card too limiting for you, or is it just not your store? Stick around and take a look at these other cards that might be a better fit.

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit level Good
Annual Fee $0
Regular APR 15.49% – 25.49% (Variable)
Apply Now

securely on the issuer's website

The Citi® Double Cash Card - 18 month BT offer (Review) is an excellent flat-rate cash back card, meaning it offers the same cash back reward no matter where you shop.

With the Double Cash you won’t be restricted in where you can shop. You’ll earn a flat 2% back no matter where you are, providing more flexibility than the Kohl’s card. There is, however, no introductory bonus.

So if you’d like a simple way to earn cash back without being restricted to one store, this would be a good pick. Or, why not use both? If you use the Double Cash with the Kohl’s Yes2You program, you would get a total cash back equivalent of 7% when shopping at Kohl’s — and that’s nothing to sneeze at.

Spending Rewards
  • 2% cash back for every purchase you make
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

If you want to take it a step further and potentially double your return on spend, you can convert your cash back into ThankYou points. Then you could transfer those points to an airline partner, where they might be worth two cents each or even more.

  • Free FICO credit score: See your Equifax-based FICO Bankcard Score 8 on statements, online, and by mobile app.
  • Citi Concierge: Get restaurant suggestions, reservations, travel arrangements, shopping research, and more.
  • Citi Entertainment: Get preferred access and pre-sale tickets to events and experiences, from music to movies.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 15.49% – 25.49% (Variable)
  • Annual fee: $0
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Min. credit level Good
Annual Fee $0
Regular APR 16.49%–24.49% Variable
Apply Now

securely on the issuer's website

The Amazon Prime Rewards Visa Signature Card (Review) is great for Amazon shopping, but requires an Amazon Prime membership. If you don’t have a Prime subscription you can get the Amazon Rewards Visa Signature Card (Review), which is a bit less rewarding at Amazon and Whole Foods but otherwise the same.

If you can find it at Kohl’s, in most cases you can probably find it at Amazon too. This card provides 5% cash back at Amazon — the same rate you’ll get from the Kohl’s Yes2You Rewards program — along with some other useful bonus categories.

The basic Amazon Rewards Visa Signature earns 3% back at Amazon and Whole Foods Markets. Not a big difference, on the face of it, but over time and with enough spending it could work out to a significant difference in the rewards you earn. Frequent Amazon shoppers should consider a Prime membership, both for the 5% back from the card and the free shipping on eligible items.

If you’d rather shop from the comfort of your own home and already have a Prime membership, the choice should be an easy one to make.

Spending Rewards
  • 5% cash back at:
    • Whole Foods Markets
  • 2% cash back at:
    • Restaurants
    • Gas stations
    • Drugstores
  • 1% cash back for all other purchases
Introductory Bonus Offer
  • $75 gift card instantly upon credit approval
  • Visa Signature Luxury Hotel Collection: At eligible hotels you’ll get a $25 food and beverage credit, automatic room upgrades when available, VIP guest status, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance, like help making dining or travel reservations.
  • Shopping and Travel protections: Including Travel Accident Insurance, Lost Luggage Reimbursement, and Purchase Protection.
  • Purchase and Balance Transfer APR: 16.49%–24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0 (Amazon Prime membership required)
Target REDcard™ Credit Card

Target REDcard™ Credit Card

Our rating
Min. credit level Fair
Annual Fee $0
Regular APR 24.65% Variable
Apply Now

securely on the issuer's website

The Target REDcard™ Credit Card (Review) is Target’s co-branded card, and it’s similar in some ways to the Kohl’s Charge Card.

Unlike most credit cards, which accrue cash back or points as a rewards balance, the Target REDcard provides an instant 5% discount at the time of purchase. You don’t need to worry about how to redeem your rewards because the savings are immediately applied to the purchase.

This is equal to the 5% cash back equivalent you can get from the Kohl’s Yes2You Rewards program, but in this case you don’t have to deal with Rewards Cash coupons that expire 30 days after you earn them.

So if you’re seeking a less complicated option with no time limit, or simply prefer Target over Kohl’s, this card could be the one for you.

Spending Discount
  • 5% discount at Target and
  • Free two-day shipping: Get free two-day shipping on eligible purchases from
  • 30-day extended returns: Get 30 extra days to make returns on purchases made with a REDcard.
  • Anniversary bonus savings: Sign up for Target marketing emails to receive a 10% off coupon for Target purchases by email on your account anniversary. If you don’t sign up for marketing emails, you won’t get these coupons.
  • Early access offers: Receive occasional early access offers to Target events, promotions, and sales. These offers may be based on your previous purchases and location.
  • Exclusive extras: Get exclusive deals and discounts, only available when purchasing with a REDcard.
  • Purchase and Balance Transfer APR: 24.65% Variable
  • Annual fee: $0
Kohl's Charge Card

Kohl's Charge Card

Our rating
Min. credit levelFair
Annual Fee$0
Regular APR27.24% Variable
Apply Now

securely on the issuer's website

Do you use the Kohl’s Charge Card? How do you like it? Do you save a lot of money? Let us know by leaving your own review below, we’d love to hear from you!

If the Kohl’s credit card doesn’t seem like a good fit, take a look at some other retail store cards to see if one might be right for you. Or check out some general-use reward credit cards, which provide cash back or points no matter where you shop.

Designed for the Kohl’s enthusiast, you’ll get a number of discounts and Kohl’s-specific benefits. For no annual fee, this card could save you a good deal of money and provides an opportunity to earn lifetime Kohl’s MVC (Most Valued Customer) status.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts and/or questions are answered.

  • Sara Call

    I make purchases with the card to save money. I have the money in the account to cover the full purchase. Then I turn around and pay it off immediately. No APR worries. In other words, the card is like a huge cupon!

  • Michael Barattini

    So I order an item from your company Order number 567-257-5261. I had already change my billing address to Mesa Arizona and I put shipping address the same. And for some reason it didn’t change. Not my fault. But I should have checked to make sure though I immediately noticed it would be going to California to my old address. And I started to use your automated system. It said the automated system is closed? Since the store is closed.? That makes no sense at all whatsoever. I continue this process most of the night to keep getting the same answer from my laptop signing on my phone signing on automated system is closed. So at 7 in the morning I called and got a human to be told sorry it’s in fulfillment at that point I told him to transfer me to a supervisor and I got hung up on. I proceeded to call back and talk to to more Associates to get hung up on again when trying to convince them to connect me to a supervisor. I called FedEx to try and change the shipment address and or stop it and was told I could do nothing of the sort they hadn’t even picked it up yet and if they did have it the company would have to change the address by simply making a phone call or changing the order online. Now mind you this was between 8 and 9 a.m. when I was on the phone with FedEx in the package wasn’t even picked up yet. I called back and got a supervisor to be told basically tough nothing can be done and I told them the situation and that they could call or change the order but they wouldn’t do it said it’s going to the address it’s going to and you’ll pay for it. I’ve contacted corporate three times No answer from them. So I won’t pay for this item because I feel I did everything I could to change the shipping address within the time allotted before it was delivered.
    I will see you in court because I won’t pay for this I’ll take my chances there.

    And I have even been on your facebook page about 4 times only to be attacked by your little Kohl flunkies that troll everybody that says something bad about you here.

    *Basically employees that are off duty and protecting each other with phony accounts harassing people until they delete what they wrote.*

  • trumn10

    I refuse to shop at Kohl’s. why do they only offer 30% to Kohl’s cardholders? I don’t need a credit card, don’t use one, and shop where I’m treated fairly. I did like Kohls’ but stop once I determined cardholders were getting discounts that I would not recieve.

  • trumn10

    Pay the entire amount owed.

  • trumn10

    I’m sure you really needed another credit card.

    • You should stop by my blog and take a look. You might be surprised to find out that all I do is help people to manage their credit and get out of debt. It’s labeled “a credit and financial advice blog” for a reason.

  • Sublime Vidas

    I recommend not to apply for this card. If you have this card, and do not use it frequently, Kohl’s would close your account and hurt your credit score without any warnings. Granted Amex does the same thing.
    Chase would send you a letter with 60 days warning before closing.

  • One policy that Kohl’s has that I really dislike is the way that they report your balances. First, they do report monthly. This is how most creditors do it, and that’s fine. Once a month, they report your balance. Great.

    But, Kohl’s also has a policy of reporting your balance any time you buy anything. This really sucks. I work hard to try to keep my balances low, and I have a zero balance every single month on every single account that I have.

    Except for Kohl’s. Because of their stupid reporting every time I buy something.

    Solution? I’m just going to stop buying anything from them.