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Kohl's Charge Credit Card
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The My Kohl's Charge is the store credit card issued by Capital One that can be used to make purchases at Kohl's retail locations and online at The card offers customers a substantial discount with their first purchase and a lottery coupon with their sales ads.

Should I Apply Online or In-Store?

  • Applying online will give you 35% off your purchase, but you will need to spend more than $75 for free shipping.
  • Applying in-store you can receive up to 35% off depending on the store and the season

Annual Percentage Rate (APR)

Regular APR: 24.99%
Minimum Interest Charge: $1.00

Credit Card Fees

Annual Fee: None
Late Payment: Up to $38.00

Sign-up Bonus and Benefits

New Cardmembers

Up to 35% off first purchase.
The bonus expires the same day as you are approved for the account.
  • Get another 15% off coupon along with the physical card when it's delivered in the mail
  • Receive a Kohl's Charge coupon worth 15%, 20%, or 30% off entire purchase with each circular


Apply Online
Issuer: Capital One Bank (USA), N.A.
Where Can I Use This Credit Card: At any Kohl's department store and online at
Pay Bill Online

Editor review

Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel May 05, 2014
Last updated: July 18, 2019
#1 Reviewer  -   View all my reviews (24)

Do You Recommend This Credit Card?

This is a nice credit card offer that any Kohl's enthusiast and current employees will find value in.
The devout shopper that combines their coupons with Kohl's cash sales events are the ones that will save the most with this store charge card.

Is The Interest Rate Competitive

Yes, when compared to other big name brand store credit cards. I do not recommend cardholders carry a balance as the interest rate will quickly gobble up any extra spending money you have if you don't pay if off.

How Do You Like the Rewards

I like the rewards program; it provides customers with a fun shopping experience and decent savings. A quick rundown: The Kohl's credit card reward comes as a scratch off coupon that can save you 15%, 20%, or 30% off your purchase. These coupons accompany all major sales and circulars. If you apply in-store you can receive up to 35% off your initial purchase. Employee Discount The 15% off standard employee discount can stack with most discounts and coupons. Store employees also receive additional coupons and associate sales days.
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