Review of the Kohl’s Charge Credit Card

Brendan Harkness

Brendan Harkness | Reviews

May 19, 2015 | Updated May 12, 2016

Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor's Best Card Picks. Kohl's has not endorsed this content in any way.

Learn more about how we rate cards.

The Kohl’s credit card, known as the Kohl’s Charge Card, can be obtained online or in-store. There’s no annual fee, it provides cardholders with a number of discounts at Kohl’s throughout the year, and those who spend more will get even more discounts.

This card can only be used at Kohl’s, where it can save you quite a bit of money through the discount offers, but watch out for the high APR of 24.99%. Carrying a balance with this card could quickly eat into your savings.

Kohl's Charge Credit Card
Apply Now

Kohl's Charge Credit Card

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 24.99% (Variable)
Quick Card 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.

The Rewards

There are no rewards for using this card like points or cash back. Instead, the value comes from the discounts you’ll receive (described below), as well as the ability to defer payments and carry a balance over time (though this will cost interest).

The Benefits

When you’re approved for the card, you’ll receive a 15% discount in the mail along with your credit card.

Those who applied online will also receive a 20% discount on the first purchase they make with the card.

In addition, every cardholder will receive at least 12 discounts in the mail throughout the year, ranging from 15-30% each.

If you spend at least $600 with your Kohl’s Charge Card you’ll become a Most Valued Customer (MVC). MVC’s will be mailed at least 18 discounts throughout the year.

These discounts may have certain restrictions; check with your store for details on which items are eligible.

Purchases made with the Kohl’s Charge Card are tracked, so they can be returned without a receipt.

The Costs

Annual Fee Regular APR
$0 24.99% (Variable)

The Fees

Late Fee
Up to $35

The Bottom Line

If you shop at Kohl’s often, chances are this card will save you some money. The discounts come frequently and are fairly substantial, and if you plan ahead to use them for bigger purchases they can get very valuable. If you spend $600 and become an MVC you’ll earn even more discounts.

But, as you can see, the APR is very high at 24.99%, meaning that if you choose to carry a balance from month to month you’ll be charged quite a bit of interest. Be careful, or these interest payments will quickly negate the savings you are getting through the discounts.

To avoid this be sure to pay off your entire balance every month. It’s also a good idea to pay your bill quite a few days early to allow for some processing time.

Do you use the Kohl’s Charge Card? How do you like it? Do you save a lot of money? Let us know in the comments below!

Was this helpful?

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.

  • I was just approved for the Kohl’s card and love it!

  • David

    Kohl’s hates me. Or rather Capital One does. I was turned down.

  • Nelson Duncan

    The Kohl’s system is retarded. I cannot log in regardless if I change the password several times. Their customer service personnel on the phone line do not know how to help fix the situation. It has been this way the whole time I’ve had their card. I’ve been getting compound interest, and fees. If I try to go to a Kohl’s location to pay , they do not know the amount that I owe. This is a stupid policy. Even after I made a payment over the phone, their retarded online system will not let me log in no matter how many times I change the password. Please stop being dumb Kohl’s, and wasting my time and money. Thank you Kohl’s for being stupid!

  • Terry Bussing

    24.99% Only a damn moron.

    • John Ganotis

      As long as you pay your balance on time and in full every month you can avoid interest completely, so if you’re using the card responsibly the APR doesn’t matter. Although there are probably better options for other reasons.

      • Chrishelle Reed

        what do you mean pay it in full? meaning to not pay off the minimum balance due that month but to pay off the card completely each time you spend?

  • Kassandra Johanson

    I totally agree with the all questions you raised. I also can share my experience in files merging. Merging files is super easy with AltoMerge. Try it on your own here and you’ll make sure how it’s simple.

  • David Burke

    Kohl’s customer service representatives are the worst in the industry! I just opened a charge account in December but closed my account after dealing with an incompetent customer service rep today. I thought Walmart had the worst employees but Kohl’s customer service department (800-564-5740) has the lock on this category now. Funny how you find out things like this after you open the account – 24.99% interest rate – geez! I will not return to Kohl’s ever again!

The Insider

Brendan Harkness
Review of the Chase Freedom Unlimited Credit Card
Brendan Harkness | Apr 24, 2018

The Chase Freedom Unlimited provides a flat 1.5% cash back for every purchase, along with other benefits. Read our review to see if it's right for you!

Read More
Brendan Harkness
Review of the Chase Sapphire Preferred Card
Brendan Harkness | Apr 19, 2018

The Chase Sapphire Preferred is popular for its travel and dining rewards, but is it right for you? Read our review to decide for yourself.

Read More
John Ganotis
Chase Credit Cards: An Overview
John Ganotis | Apr 16, 2018

There's a wide variety of Chase credit cards, mostly designed for people with great credit history and credit scores. Is one of them right for you?

Read More