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Pick up to 4 cards and compare fees, rewards and lounge access in one view.

Card
Kohl's Card ✕ remove
The Platinum Card from American Express ✕ remove
Discover it Secured Credit Card ✕ remove
Annual fee No annual fee$695No annual fee
Rewards rate No flat rewards rate; benefits come from exclusive cardholder discount offers and Kohl's Cash promotions5x flights booked with Amex Travel or airlines, 5x prepaid hotels via Amex Travel, 1x other2% at gas stations and restaurants (on up to $1,000 in combined purchases each quarter), 1% on all other purchases
Rewards highlight Frequent cardholder discountsMost lounge access of any cardRewards on a secured card
Welcome bonus Percentage off your first Kohl's purchase as a new cardholderLarge Membership Rewards welcome offerCashback Match doubles all cash back earned at the end of the first year
Intro APR NoneNoneNone
Regular APR See termsSee terms (Pay Over Time)28.24% variable
Foreign fee N/A (store card)NoneNone
Lounge access ❌ No✅ Centurion Lounges, Priority Pass, Delta Sky Club (when flying Delta), Plaza Premium and more — the largest lounge network of any card❌ No
Credit needed Fair (640+)Excellent (740+)New / rebuilding credit
Best for Frequent Kohl's shoppers who stack coupons and Kohl's CashFrequent flyers who'll exhaust the lounge access and statement creditsBuilding or rebuilding credit while still earning rewards
Network MastercardAmexDiscover
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Kohl's Card
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