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Kohl’s Credit Card Review | Credit Cards

The Kohl’s Credit Card offers maximum rewards and discounts for frequent Kohl’s shoppers. Earn 7.5% rewards with every purchase, and new cardholders will earn a 35% discount on a single transaction in store or online when using the card within 14 days of approval.

The card has a $0 annual fee but comes with a high annual percentage rate if you carry a balance. Rewards also can be complicated and expire fairly quickly.

  • Issuer NameCapital One
  • Annual Fee$0
  • APR30.74%

  • Frequently shop at Kohl’s and would like to maximize your rewards.
  • Do not plan to carry a balance.
  • Do not plan to use the card at other stores.

You can earn 7.5% back on Kohl’s purchases using a Kohl’s Credit Card, but you’ll need to stay on top of redemption periods so you don’t miss out on using the rewards you’ve earned. Your Kohl’s rewards balance is converted and issued in $5 Kohl’s Cash increments on the first of the month after you’ve earned it. You’ll have just 30 days before your Kohl’s Cash expires.

With a high APR, it’s best to pay off your balance on this card each month, as interest charges can easily offset the value of your rewards.

Editor’s Take

If you regularly shop at Kohl’s, can redeem your rewards before they expire and pay off your balance each month, you can get good value from the Kohl’s Credit Card. But if you need to carry a balance or aren’t sure you’ll redeem your rewards on time, a more flexible credit card is probably a better option.

For example, with the Capital One Quicksilver Cash Rewards Credit Card, you can get a 0% intro on purchases for 15 months, which could help you pay off purchases interest free. And your cash back earned with the Capital One Quicksilver Cash Rewards Credit Card doesn’t expire as long as the account remains open. (See Rates & Fees)

Jessica MerrittContributor

You’ll get 35% off your first in-store or online transactions when you’re approved for the Kohl’s Credit Card. The coupon expires within 14 days.

You’ll earn 7.5% rewards when you shop using your Kohl’s Credit Card. Your earnings will appear on your Kohl’s Rewards balance within 48 hours of your purchase, unless otherwise stated. On the first of the following month, your Kohl’s Rewards balance will convert into Kohl’s Cash in $5 increments. You’ll have 30 days to use your Kohl’s Cash.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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