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If youโve ever shopped at a retail clothing store, chances are an employee has encouraged you to sign up for the store credit card or charge card. While these cards usually have several benefits, they sometimes have high fees or other limitations.
The Kohlโs Charge Card is offered to Kohlโs customers, and it includes cash back, monthly free shipping, and other discounts. In this Kohlโs Charge Card review, weโll see how this card stacks up and whether itโs worth adding to your wallet.
The Kohlโs Charge Card earns 7.5% cash back on every purchase, plus 35% back on your first purchase. While that is enticing, you can earn 5% cash back by simply signing up for Kohlโs Rewards. The Kohlโs Charge Card offers some extra benefits, but its high APR makes it tough to recommend for all but the most intensely loyal Kohlโs customers.
The Kohlโs Card is perfect for frequent Kohlโs shoppers. It includes exclusive discounts, special offers, and promotions.
The Kohlโs Charge Card is also most suitable for those who pay off their balances every month. It has a variable 30.74% APR, which means that carrying a balance on this card is costly.
In some instances, this card could also be good for building credit. Because you can only use the card at Kohlโs stores, running up a balance is more difficult. If you spend small amounts on the card and pay it off every month, it can give your credit score a boost.
Whether this card is right for you depends on your finances, spending habits, and goals. In general, itโs best for those who can take full advantage of the cardโs benefits.
For the most part, the Kohlโs Charge Card has a simple rewards structure. Hereโs what you can earn as a cardmember:
You can also combine Kohlโs Card benefits with Kohlโs Cash. This means you can still earn Kohlโs Cash in addition to your other card benefits during earning periods. In other words, you can potentially get big savings by using your Kohlโs Card during special offers and promotions.
There can also be hidden perks that come with the Kohlโs Charge Card. These are typically part of limited-time promotions and might include:
As mentioned, these hidden perks are often limited-time offers. Watch for mailers that include information about exclusive discounts and promotions.
The most obvious area of improvement for this card is its limited usefulnessโit can be used only in Kohlโs stores. While this is typical for a store credit card, it means you canโt use the card or earn cash back anywhere outside of Kohlโs stores or on Kohlโs.com. Redeeming Kohlโs Cash is even more limited, as you can only do so during redemption periods noted on the Kohlโs Cash Coupon or in the email you receive after shopping online or at the kiosk. Because of this, you may only be able to redeem Kohlโs Cash for a brief period.
This also means that the Kohlโs Charge Card doesnโt deliver the benefits of many other credit cards, such as the ability to transfer to travel partners. While it does include a welcome offer of 35% off your first purchase, that wonโt be as lucrative as other welcome offers unless you spend a substantial amount. For example, to match the value of the $200 welcome offer on the card_name, you would have to spend about $571 or more.
Lastly, the regular APR on this card is high at 30.74%. Carrying a balance on this card is costly. It would be nice to see an APR more in line with the alternatives listed in the next section.
Card | Best for | Regular APR | Annual fee | Minimum Credit Score |
---|---|---|---|---|
Kohlโs Charge Card | Kohlโs customers | 30.74% (variable) | $0 | 640 |
Flexible cash back | reg_apr,reg_apr_type | annual_fees | credit_score_needed |
The Kohlโs Charge Card offers 7.5% cash back on every purchase, a 35% discount on your first purchase, and other promotions and discounts. However, it has a high APR and canโt be used outside Kohlโs stores. It also lacks other benefits, such as free shipping.
This card may be a good choice for regular Kohlโs customers. However, for the majority of other people, one of the more well-rounded alternatives listed above probably makes more sense.
You can apply for a Kohlโs Credit Card by visiting the Kohlโs website. You can also use the website to see if you pre-qualify for the card.
Credit card issuers use a variety of factors to determine creditworthiness, so Kohlโs doesnโt say you need a certain score to apply. However, some reports suggest you should have at least fair credit to increase your approval odds.
Kohlโs allows anyone interested to pre-qualify on its website. Pre-qualifying wonโt impact your credit score.
Kohlโs does not provide an online tool to check your application status. However, you can check by calling (800) 564-5740.
You can make a payment on the Kohlโs website or app or by phone, mail, or in-store.
The customer service number for Kohlโs Credit Card is (800) 564-5740.
Kohlโs does not say how much the minimum credit limit is. However, reports suggest the starting credit limit is about $300.
You can check your balance by logging in to My Kohlโs Card. Once you have access to your account, you can view your transactions, payments, and more.
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