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Kohl's Credit Card
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Annual Percentage Rate (APR)

The Kohl's charge card doesn't have an introductory offer.
Regular APR: 23.99%
Penalty APR: 26.99%
Minimum Interest Charge: $1.00
No periodic finance offers for this card.

Credit Card Fees

Annual Fee: None
Late Payment: Up to $35.00

Sign-up Bonus and Benefits

Sign Up Bonus: Receive 20% off your first purchase the day you apply!
  • Exclusive discounts and coupons throughout the year
  • Coupons range from 15%, 20%, and 30% off entire transaction
  • $10 gift card for signing up for paperless statements


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
#1 Reviewer  -   View all my reviews (21)

Do You Recommend This Credit Card?

If you aren't a regular customer or you only shop there occasionally, you can find a much better rewards card and one with a lower interest rate, but note that you cannot use the coupons without using their charge card.
Who Will Get the Most Out of This Credit Card
The regular Kohl's shopper that takes full advantage of their prices and cash back sales events. Just make sure to not carry a balance on this credit card as the APR is over twenty percent.

Is The Interest Rate Competitive

This card, like many retail store cards, doesn't come with an introductory offer. If you don't pay your balance in full before the grace period is up you will be hit with a pretty high interest rate at 23.99%. The initial credit limit is based on your credit history; when I applied my limit was set at $1,5000 and my credit score is above average. Don't expect to receive a high limit on a charge card. There is no option to transfer a balance to this card.

How Do You Like the Rewards

The Kohl's card doesn't have a rewards program, but it does come with special discounts and coupons that are mailed to card-members every month that can only be used in conjunction with the card. If you apply in-store you receive fifteen percent off your purchase. If you are a Kohl's associate the employee discount can stack with most discounts and coupons.


If you make $600 worth of charges in a year you are upgraded to Most Valued Customer status, which gives you added benefits of a $10 gift card for your birthday and you can choose 6 days to shop with extra savings.
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