Kohl's Card
Best for: Frequent Kohl's shoppers who stack coupons and Kohl's Cash
Pros
- Carries no yearly fee
- Regular discounts for shoppers
- Easier approval odds
Cons
- Works at the store only, not as a general card
- A high APR
- No ongoing cash back
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Kohl's Card is a coupon-stacking tool, not a rewards card: this Capital One-issued store charge card unlocks frequent mailed and emailed cardholder discounts that stack with Kohl's Cash and Kohl's Rewards, which is where the real savings come from if you shop there often. It earns no ongoing cash back and works only at Kohl's, so it's useless as a general card. Approval odds are easier (fair credit, 640-plus), but the high APR means you should never carry a balance. If you don't chase Kohl's coupons, there's nothing here for you; confirm the current discount offers and APR on Kohl's site.
Kohl's Card at a glance
| Issuer | Kohl's |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Rewards rate | No flat rewards rate; benefits come from exclusive cardholder discount offers and Kohl's Cash promotions |
| Welcome bonus | Percentage off your first Kohl's purchase as a new cardholder |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | N/A (store card) |
| Credit needed | Fair (640+) |
| Airport lounge access | No |
| Best for | Frequent Kohl's shoppers who stack coupons and Kohl's Cash |
Rewards & perks
- Discount offers sent by mail and email to cardholders
- Stacks together with Kohl's Cash and Rewards
- Most Valued Customer perks once spending climbs
Pros
- Carries no yearly fee
- Regular discounts for shoppers
- Easier approval odds
Cons
- Works at the store only, not as a general card
- A high APR
- No ongoing cash back
Who should apply
- A fair credit score
- A Kohl's account
- Valid U.S. identification
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Kohl's site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Kohl'sKohl's Card 5505 5990 0808 5446 VALID THRU 12/32CASEY BROOKS Kohl's CardFrequent Kohl's shoppers who stack coupons and Kohl's Cash |
None | No flat rewards rate; benefits come from exclusive cardholder discount… | None | N/A (store card) | Fair (640+) | |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) |
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