Kohl’s Charge Card Review — Everything You Need to Know

Kohls MVC

We may be compensated when you click on links from one or more of our advertising partners. Opinions and recommendations are ours alone. Terms apply to offers below. See our Advertiser Disclosure for more details.

By now, it’s a shopping standard: you get up to the check-out counter and the associate asks if you want to save money by signing up for the store’s branded credit card.

Well… of course you want to save money! But is the credit card really worth it?

In this review, we’re taking a serious look at Kohl’s and its Kohl’s Charge card to answer that question.

The Kohl’s Charge Card at a Glance

Kohls Charge
Image Credit: Kohl’s
 Kohl’s Charge Card
Main Benefits
  • Save 35% on your first purchase
  • Access to extra savings offers year-round
  • Special anniversary offer every year
  • Ability to combine Kohl’s Charge discounts with Kohl’s Cash and rewards
  • Opportunity to become a Kohl’s Charge MVC (Most Valued Customer)
  • Additional 15% off discount when your card arrives in the mail
Annual Fee$0
APR24.99% (variable)
Late Feeup to $38

The Kohl’s Charge card is also referred to as the Kohl’s credit card and can only be utilized at Kohl’s and kohls.com.

Who Is the Kohl’s Charge Card Best For?

This store-branded card is most useful for shoppers who frequent the retail chain often and those who aren’t bothered by combining multiple discount programs. You’ll need these to find the best possible price (we’ll explain more in the Drawbacks section of this review).

Who Should Skip This Card in Favor of an Alternative Rewards Credit Card?

Shoppers who don’t visit Kohl’s very often, or those who want a simple and straightforward rewards program with everyday rewards on every purchase.

Kohl’s Charge Card Benefits

The Kohl’s Charge card is a bit different than other store-branded cards in that it doesn’t give shoppers an everyday discount. Instead, cardholders get access throughout the year to extra savings offers, defined as additional discounts on its sale prices.

Cardholders receive their special offers in the form of mailers that arrive in the mail throughout the year. Printed on the cover of the mailer is a discount for either 15%, 20%, or 30% off of your entire purchase in-store or online for the offer period, which is usually a fairly limited amount of time (a couple days).

Another main benefit is the 35% discount on a customer’s first purchase in-store or online.

Of course, there are several restrictions including (but not limited to):

  • Gift cards
  • Beauty and fragrance
  • Prestige brands of cosmetics and skincare
  • Select electronics
  • Consumables
  • Premium sunglasses
  • Sporting goods and sports team merchandise, including many popular brands like Nike, Columbia, Dyson, Under Armour, etc.

Additionally, shoppers get another 15% off discount when the credit card arrives in the mail. The same stipulations as the 35% off discount apply here as well.

The last main benefit of the Kohl’s Charge card is the opportunity to become an MVC (Most Valued Customer) after spending $600 on the card per calendar year. With the upgrade to MVC, shoppers will receive an additional special offers throughout the year (including a birthday gift) and free shipping events.

Additional Card Features

The Kohl’s credit card has a few additional notable features:

  • $0 annual fee
  • Receipt-free returns on purchases made with the card
  • Advance notification of Kohl’s Charge sales events
  • Access to My Kohl’s Charge online account management platform

Fees and Drawbacks of the Kohl’s Charge Card

One of the biggest drawbacks of the Kohl’s Charge card is not having the ability to use rewards anytime. Your special offers are only good for a certain period of time — if you miss it, you’re out of luck.

Additionally, your rewards can get confusing because Kohl’s offers 2 other programs independent of the Kohl’s Charge card: Yes2You Rewards and Kohl’s Cash.

  • Yes2You earns shoppers 1 point for every $1 spent, earning a $5 reward for every 100 points. Yes2You members also get a free birthday gift and opportunities to earn bonus points.
  • Kohl’s Cash is a program where shoppers earn $10 Kohl’s Cash for every $50 they spend. The coupon is sent via email if you shop online, given as a coupon when you shop in-store, or is available at an in-store kiosk. It is also available in your Kohl’s Wallet if you have an online account. You can’t use Kohl’s Cash for gift cards or Kohl’s Cares merchandise.

Hot Tip: The special offers from your Kohl’s Charge card can be combined with Yes2You points rewards AND Kohl’s Cash. They cannot be combined with Yes2You savings or percent-off offers. The Kohl’s Charge card percent-off coupon is applied after all other discounts are taken.

The bad news is that discounts can only be stacked when the promotion dates overlap. This can get really confusing if you have a tough time keeping track of your coupons and their respective promo dates. It can also really frustrating if you’ve got a busy schedule and miss out on the prime days to save or miss out on your promo dates altogether.

Another big drawback of the Kohl’s Charge card is the high APR. At 24.99%, cardholders who carry a balance will accrue hefty interest fees quickly, especially with low minimum payments stretched over long periods of time. Additionally, late fees will cost you up to $38.

Alternative Rewards Credit Cards (Our Recommendations)

If you don’t shop at Kohl’s very often or don’t think you can keep up with its confusing rewards program scheme, there are several other rewards-based cash-back credit cards that are worth your consideration.

Many of these cards can earn you savings anywhere — and some even have bonuses in popular everyday spending categories (vs. only at Kohl’s).

You should also consider these cards if you want the versatility of spending your cash-back rewards however you wish, instead of earning coupons that are only valid at Kohl’s.

Here are some other rewards cards to consider:

Alternatively, if you love to travel (or want to travel more) consider the Chase Sapphire Preferred® card which is one of the best (if not the best) travel rewards cards. You can read about all of the Sapphire Preferred’s card benefits here.

These Chase points are extremely valuable when used correctly!

Applying for the Kohl’s Charge Card

You can apply for a Kohl’s Charge card in-store or online. Kohl’s indicates that if you prequalify when applying that there is no impact to your credit score, meaning no hard pull.

In general, you’ll likely need a fair credit score to be approved, although those with slightly lower scores have noted approval in the past.

Kohl’s states that upon credit review, some applicants will be approved instantly (and there are many instant approval credit cards out there). However, some applications for this credit card may need further review resulting in a 7 to 10 day waiting period. Additionally, applicants should note that the age requirement is 18 years+ to apply.

Kohl’s Charge Card Login and Account Management

Kohl’s provides cardholders with My Kohl’s Charge, an online portal where users can log in and manage their accounts.

Within this platform, users can perform the following actions:

  • Access account information
  • Monitor transactions
  • Pay your bill
  • Sign up for paperless statements
  • Request a credit line increase

Cardholders can also access their account anytime once they are logged in at kohls.com.

Kohls Charge Account
Image Credit: Kohl’s

Final Thoughts

For avid Kohl’s shoppers, the Kohl’s Charge card is a no-brainer. You’re probably already used to monitoring the promotion dates with your Yes2You Rewards and Kohl’s Cash, so what’s a few more promo periods to throw in the mix?

If you don’t shop at Kohl’s often or you simply can’t keep track of various coupons and their respective promo dates, then this isn’t the card for you.

It also isn’t the card for you if you need a card for everyday use or are looking for rewards with every purchase you make — try a more general cash-back credit card.

Finally, if you’re hopping on the points and miles train, this definitely isn’t the card for you. In that case, you’ll want a travel rewards credit card instead.

The information regarding the Kohl’s Charge Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

For rates and fees of the Blue Cash Everyday® Card from American Express, click here.
For rates and fees of the Blue Cash Preferred® from American Express, click here.

Frequently asked questions

How does the Kohl's Charge card work?

The Kohl’s Charge card gives shoppers 35% off their first purchase, an additional 15% off when the card arrives in the mail (both with restrictions), and several mailed special offers throughout the year.

If a shopper spends at least $600 in a calendar year, they are upgraded to an MVC (Most Valuable Customer) and receive more special offers.

Kohl’s Charge percent-off coupons can be combined with Yes2You Rewards points and Kohl’s Cash if the promotional periods overlap.

Is the Kohl's Charge card worth it?

That depends. The Kohl’s Charge card is worth it if the consumer shops at Kohl’s often and is aware that the card can only be used at Kohl’s. Likewise, the rewards can only be used at Kohl’s. Additionally, cardholders will have to keep track of the promotional dates on their special offers/percent-off coupons — once they expire they are no longer useable.

How do I get a Kohl's credit card?

You can apply for a Kohl’s credit card in-store or online.

Is there an annual fee for Kohl's credit card?

No, there is no annual fee for the Kohl’s Charge card.

Can you use a Kohl's credit card anywhere?

You can only use the Kohl’s Charge card at Kohl’s stores and kohls.com.

How do I pay my Kohl's charge card?

You can pay your Kohl’s Charge balance online, by phone, by mail, or in-store.

Dr. Erin Miller

About Dr. Erin Miller

Erin currently maintains her status as Alex's adventure-seeking partner-in-crime and contributes to Upgraded Points through in-depth content creation & relationship management.
She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. That was that - she's been gallivanting around the globe ever since (26 countries & counting)!

Travel prices are about to surge from pent-up demand.

Use this points strategy to lock in pennies-on-the-dollar pricing in 2021, all without being a frequent flyer...

How do I only pay $30 to go to Hawaii, $200 for business class to Asia or just $150 to Europe?

Discover the real-life strategies that anyone can use to enjoy limitless travel (even on a limited budget!)

Just sign up below and I’ll send you the Limitless Travel Playbook instantly:

We respect your privacy. Please view our privacy policy here.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. sharon mckee November 8, 2018

    I had just applied for your credit card 2 weeks ago and was denied. I have a very high credit score, owe nothing, own property, never been arrested for anything and yet I am denied. What is the reason for this? I really feel like I am being discriminated against because I live a good life and do not own money to people. I would appreciate a reasonable explanation. Just wondering.


    • Hi Sharon, sorry for your frustration. We are a travel blog, however, and do not have any affiliation with Kohl’s or the Kohl’s Charge Credit Card. When you apply for a credit card, you should receive a written response in the mail as to the reason for the decision. If you do not receive this, you should contact Kohl’s directly for an explanation.


  2. Cassandra W. May 13, 2019

    This is one card that still has the “Time” deadline on the day the payment is due. I personally really dislike that. I did get caught and got charged a late fee that brought my minimum payment up for that month. Very annoyed and want to just close it.


  3. Capital is a joke. The Kohl’s credit card is nothing but a fraud.


  4. Jody Rhoads June 10, 2020

    I want to use PayPal! You will lose customers.


    • Hi Jody. Just want to let you know that we are not Kohl’s or affiliated with Kohl’s. We are Upgraded Points, a blog specializing in credit card rewards, miles, points, and travel resources. You would need to contact Kohl’s directly to voice your concern. Thank you for reading.


  5. Does anyone know how to keep Kohl’s charge card account open? I got one before to get the 35% off discount but never used it afterwards and Kohl’s closed it automatically after 2 years. You can only use at Kohl’s and I don’t usually shop there. Maybe buy some chocolates from Kohl’s every 2 years? I’m about to apply for another one to get the discount again.


    • Hi Steve,

      Some credit card issuers will close a card for inactivity if it has not been used for a while. So, the easiest way to make sure you account stays open it to use it every so often, even a small charge will suffice.

      Thanks for reading!


Any thoughts or questions? Comment below!

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. Click here to see a list of advertisers that we work with.