Kohl's Card

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

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.