Review of the Kohl’s Charge Credit Card

Brendan Harkness

Brendan Harkness | Reviews

May 19, 2015 | Updated May 12, 2016

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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: 26.99% Variable
Quick Card 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.

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 26.99% Variable

The Fees

Late Fee
Up to $38

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.

  • 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.*

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