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

Kohl's Storefront for the Kohl's Charge Credit Card

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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 their Kohl’s Charge card to answer that question.

The Kohl’s Charge Card at a Glance

Main Benefits*
  • Save 25% on your first purchase
  • “At least 12 Special Offers every year…”
  • 15% discount when the card arrives
  • Opportunity to become a Most Valued Customer
Annual Fee$0
APR27.24% (variable)
Late Feeup to $37

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 this 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 at least 12 special offers every year. Kohl’s defines these special offers as additional discounts on their sale prices.

Cardholders receive their special offers in the form of scratch-off coupons that arrive in the mail once a month. You then scratch to reveal either 15%, 20% or 30% off your entire purchase for the offer period, which is usually a fairly limited amount of time (a couple days).

Another main benefit is the 25% discount on a customer’s first purchase in-store or online.

Of course, there are a number of restrictions including (but not limited to):

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

This list kind of leaves us thinking…”What’s left?” (You can find a full list of exclusions at Kohls.com/exclusions)

Additionally, shoppers get another 15% off discount when the credit card arrives in the mail. The same stipulations as the 25% 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 6 special offers (at least) for a grand total of 18 or more.

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 & Drawbacks of the Kohl’s 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 8 savings offers a year, a free birthday gift, opportunities to earn bonus points, and more.

Kohl’s Cash is a program where shoppers earn $10 Kohl’s Cash for every $50 they spend. The coupon is sent via email or automatically stored in the app. You can’t use Kohl’s cash for gift cards or Kohl’s Cares merchandise.

The good news is, 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 percent-off coupon is applied after all other discounts are taken.

The bad news is, they 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. This is 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 27.24%, 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 $37.

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 their confusing rewards program scheme, there are a number of 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.

The sign up bonus is worth $625 when the points are used for travel expenses (flights, hotels etc) through Chase’s travel portal, which is very easy to use.

For purchases made at Kohl’s stores, you’ll earn 1pt/$1 — and outside of Kohl, you’ll get 2pts/$1 spent on ALL dining and travel purchases.

These Chase points are extremely valuable when used correctly!

Applying For the Kohl’s Credit Card

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

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 7-10 day waiting period. Additionally, applicants should note that the age requirement is 18 years+ to apply.

Kohl’s Credit Card Login & 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

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 one more promo period to throw in the mix? (Or should we say 12 more?)

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.


How does the Kohl's Charge card work?

The Kohl’s Charge card gives shoppers 25% off their first purchase and an additional 15% off when the card arrives in the mail (both with restrictions). The cardholder is also issued at least 12 special offers throughout the year that come in the form of coupons each month. These coupons can be 15%, 20%, or 30% off your purchase. Shoppers need to be aware of the dates on the coupons — once they expire, they’re no longer valid.

If a shopper spends at least $600 in a calendar year, they are upgraded to a Most Valuable Customer and receive at least 6 more of these special offers.

Kohl’s Charge percent-off coupons can be combined with Yes2You Rewards points (not Yes2You percent-off coupons) 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 at apply.kohls.com.

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

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

Erin Miller

About Erin Miller

Erin currently maintains her status as Alex's adventure-seeking partner-in-crime and contributes to Upgraded Points through 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 (22 countries & counting)!


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  1. sharon mckee · November 8, 2018 · Reply

    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.

    • Christine Krzyszton · November 10, 2018 · Reply

      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 · Reply

    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. Richard · July 16, 2019 · Reply

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

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