Kohl's Card
A store-only charge card (issued by Capital One) that unlocks frequent cardholder discounts, Kohl's Cash events and Kohl's Rewards perks for loyal shoppers.
Why it ranks
- No annual fee
- Frequent discounts for shoppers
- Easier approval odds
What holds it back
- Store-only, not a general card
- High APR
- No ongoing cash back
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A store-only charge card (issued by Capital One) that unlocks frequent cardholder discounts, Kohl's Cash events and Kohl's Rewards perks for loyal shoppers.
Kohl's Card at a glance
| Issuer | Kohl's |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Percentage off your first Kohl's purchase as a new cardholder |
| Rewards rate | No flat rewards rate; benefits come from exclusive cardholder discount offers and Kohl's Cash promotions |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | N/A (store card) |
| Credit needed | Fair (640+) |
| Best for | Frequent Kohl's shoppers who chase coupons and Kohl's Cash |
| Airport lounge access | No |
Rewards & benefits
- Mailed and emailed cardholder discount offers
- Stacks with Kohl's Cash and Rewards
- Most Valued Customer perks at higher spend
Eligibility & who it suits
- Fair credit score
- Kohl's account
- Valid U.S. identification
How to apply
Check current rates on Kohl's’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | KKohl'sKohl's CardNo annual fee · US Kohl's CardFrequent Kohl's shoppers who chase coupons and Kohl's Cash |
None | No flat rewards rate; benefits come from exclusive cardholder discount offers an… | Percentage off your first Kohl's purchase as a new cardholde… | N/A (store card) | Fair (640+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
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