The Kohl's Credit Card: Benefits, Rewards, and How to Apply 

Discover the benefits of the Kohl's Credit Card: no annual fee, exclusive discounts, rewards, and perks. Learn about its features and how to apply to maximize your savings at Kohl's.

kohl's credit card
If you shop at Kohl's regularly, you probably know that Kohl's has a Credit Card. This card offers exclusive discounts and benefits when you use it on your purchases. And not only that, you save even more, as Kohl's Price Match policy guarantees you the lowest price on specific items.

Here, I'll explain how the Kohl's Credit Card gives you benefits and daily offers, and I'll also tell you how to apply for it.

What is the Kohl's Credit Card?

The Kohl's Credit Card is a store-specific credit card that can be used exclusively for purchases at Kohl's physical stores and on their website, Kohls.com. It's designed to reward loyal Kohl's customers with special discounts, promotions, and benefits that aren't available to regular shoppers.

Annual Fee
One of the Kohl's Credit Card's most attractive features is its no-annual-fee policy. This means you can enjoy all the benefits of being a cardholder without worrying about an extra yearly expense eating into your savings.

Kohl's Card Rewards and Benefits

With the Kohl's Credit Card, you can enjoy benefits, which I'll explain below:

1. New Customer Discount
First-time cardholders receive a 35% discount on their first purchase. If you have a big purchase in mind, this is your chance.

2. Special Discounts Throughout the Year
Cardholders will receive a minimum of 12 discounts per year, from 15% to 30% off your purchases. These offers are exclusive to cardholders and can be combined with other in-store promotions to save even more on your purchases.

3. Kohl's Cash
Kohl's Cash is available to everyone during promotional periods; if you have the card, you have more chances to receive it. For every $50 you spend, you receive $10 in Kohl's Cash, which you can use on future purchases.

4. Birthday Gift
You'll receive birthday gifts during your birthday month—this is amazing.

5. Free Shipping Events
Several times a year, if you have the card, you get free shipping on your online purchases. This saves you money, especially on large items or when you buy a lot of things.

6. Most Valued Customer (MVC) Status
When you spend $600 or more with the Kohl's Credit Card during a year, your status increases to Most Valued Customer (MVC). This level unlocks additional benefits, including:

  • More offers with free shipping
  • A selection of birthday gifts
  • Additional savings events throughout the year

How to Apply for a Kohl's Credit Card

If you want to apply a Kohl's credit card is simple:

1. Apply Online
Go to Kohls.com and look for the link to apply for the credit card; usually located at the bottom of the page. Fill out the online form with your personal information.

2. Apply In-Store

You can apply at the register of any Kohl's store with your ID; it only takes a few minutes.

3. Apply By Phone

If you want to apply by phone, you can call 1-800-564-5740 to speak with a representative to get your card.

No matter which method you choose, you'll need to provide the following information as other cards:

  • Your Full Name
  • Your Address
  • Your Social Security Number
  • Your Annual Income
  • Your Date of Birth

The approval process is usually fast; if approved, you can start using your card immediately in-store. For online purchases, you'll need to wait for your card to arrive in the mail.

Redeeming Your Kohl's Card Kohl's Cash

Every time you use your Kohl's credit card, you earn Kohl's Cash. Members get 50% more rewards and daily offers when you have the card. Once you have Kohl's Cash, here's how to use it:

  • In store: Present your Kohl's Cash at checkout and the cashier will apply it to your purchase.
  • Online: Enter the Kohl's Cash code at checkout and the discount will be automatically applied.
  • Kohl's App: Load Kohl's Cash into your account from the app. Use it for in-store or online purchases.
  • Partial use: You can use part of your Kohl's Cash; the remaining balance is valid until the expiration date.
  • Combine offers: Kohl's Cash can generally be combined with other discounts and promotions.

Some brands or items, such as those part of a Kohl's clearance sale, may be excluded from Kohl's Cash redemption.

Remember that Kohl's Cash works like store credit, not cash. It can't be redeemed for real money or applied to previous purchases.

Are there any other ways I can save money at Kohl's?

Kohl's Credit Card: FAQs

What credit score do I need for a Kohl's Credit Card?
Kohl's doesn't disclose a minimum credit score, but typically, store credit cards are easier to qualify for than traditional credit cards. A fair credit score (580-669) may be sufficient, but approval isn't guaranteed.

Can I use my Kohl's Credit Card anywhere? 
No, the Kohl's Credit Card can only be used for purchases at Kohl's stores and on Kohls.com.

How do I check my Kohl's Credit Card balance? 
You can check your balance online through your Kohl's account, on the Kohl's mobile app, or by calling the customer service number on the back of your card.

Does Kohl's Cash expire? 
Yes, Kohl's Cash typically has an expiration date. The redemption period is usually about 10 days after it's earned, but always check the specific dates on your Kohl's Cash.

- Mary