Kohls Credit Card Review

Verdict: The Kohls credit card offers a lot of benefits and savings to Kohls shoppers but is not intended to carry a balance because the APR is high.

The Kohls credit card is good only at Kohls department stores and kohls.com. Cardholders get discounts during sales, as well as receiving special financing and discount promotions at least 12 times a year.

How This Card Works:
The Kohls credit card can be used at Kohls stores and online at kohls.com. When you’re approved, you’ll receive 10% off your first purchase. In addition, you get at least 12 extra discounts per year of at least 15% on all merchandise, including clearance and sale. If you spend at least $600 during the year you become an MVP cardholder, which entitles you to 6 pick-your-day savings.

Travel and Shopping Benefits:
Your Kohls card enables you to take advantage of special financing and sales promotions throughout the year, as well as at least 12 discounts a year when you use your Kohls card. If you spend at least $600 during the year your status is upgraded to MVP, allowing you to pick six days a year for savings of at least 15%. When your application is approved you also receive 10% off your first purchase. All discounts with your Kohls credit card apply to all merchandise, including sale and discount items.

The APR for your Kohls card is 21.9%, fixed. The grace period is at least 25 days. Late fees for your credit card are $15 if the balance is between $15 and $50, and $29 if the balance is greater than $50. The returned payment fee is $25. There is no annual fee for the Kohls credit card.


  • Reasonable late fees
  • No annual fee
  • 12 discounts per year of at least 10%
  • 15% off first purchase
  • MVP members receive 6 pick-a-day savings


  • Fixed 21.9% APR

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