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're a frequent Kohl's shopper, you've probably heard about the Kohl's Credit Card. This store card can be a valuable addition to your wallet, offering exclusive discounts and perks that can significantly enhance your shopping experience.

In this article, we'll dive deep into what Kohl's Credit Card has to offer, from Kohl's daily deals and benefits to the application process.


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, It's designed to reward loyal Kohl's customers with special discounts, promotions, and benefits that aren't available to regular shoppers. From swimwear and casual clothing to footwear, toys, and items for the home, the whole family can take advantage of these coupons and savings at Kohl's.

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

The Kohl's Credit Card offers a range of perks that can make your shopping experience more rewarding:

1. Introductory Discount

New cardholders are welcomed with a generous 35% discount on their first purchase. This alone can lead to substantial savings, especially if you're planning a large purchase.

2. Special Discounts Throughout the Year

As a cardholder, you'll receive at least 12 special discounts per year, ranging from 15% to 30% off your purchases. These offers are exclusive to cardholders and can be combined with other in-store promotions for maximum savings.

3. Kohl's Cash

While Kohl's Cash is available to all shoppers during promotional periods, as a cardholder, you'll have more opportunities to earn it. For every $50 spent, you'll receive $10 in Kohl's Cash, which can be used on future purchases.

4. Birthday Gift

Kohl's likes to celebrate its cardholders. You'll receive free birthday stuff during your birthday month, adding a personal touch to your relationship with the store.

5. Free Shipping Events

Several times a year, cardholders enjoy free shipping on their online purchases. This can lead to significant savings, especially on larger items or when making multiple purchases.

6. Most Valued Customer (MVC) Status

If you spend $600 or more on your Kohl's Credit Card in a calendar year, you'll be elevated to Most Valued Customer (MVC) status. This tier unlocks additional perks, including:

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

How to Apply for a Kohl's Credit Card

Applying for a Kohl's Credit Card is a straightforward process, and there are several ways to do it:

1. Online Application

Visit and look for the credit card application link, usually found in the site's footer or under the "Ways to Shop" section. Fill out the online form with your personal information.

2. In-Store Application

You can apply at any Kohl's store checkout. The cashier can guide you through the process, which typically only takes a few minutes.

3. Phone Application

If you prefer to apply over the phone, you can call 1-800-564-5740 to speak with a representative who will assist you with your application.

Regardless of the method you choose, you'll need to provide the following information:

  • Full name
  • Address
  • Social Security number
  • Annual income
  • Date of birth

The approval process is usually instant, and if approved, you can start using your card immediately for in-store purchases. For online purchases, you'll need to wait for your physical card to arrive in the mail, which typically takes 7-10 business days.

Redeeming Your Kohl's Card Kohl's Cash

You earn Kohl's Cash every time you use your Kohl's credit card. In fact, members earn 50% more rewards and daily deals with a Kohl's card than without one. Once you've got some Kohl's cash stacked up, here's how to apply them to your purchases:

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

Just note, some brands or items, like those part of a Kohl's Clearance Sale, may be excluded from Kohl's Cash redemption.

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

Is the Kohl's Credit Card Right for You?

The Kohl's Credit Card can be an excellent choice for frequent Kohl's shoppers who want to maximize their savings. However, store credit cards often come with higher interest rates than traditional credit cards. Therefore, paying off your balance in full each month is best to avoid accruing interest charges.

Additionally, since the card can only be used at Kohl's, it may not be suitable as your primary credit card. Instead, consider it as a supplementary card to use specifically for your Kohl's purchases to take advantage of the exclusive discounts and benefits.


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

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.


- Vanessa