Kohl's Credit Card
This card is for frequent Kohl's shoppers. It earns 7.5% in rewards on Kohl's purchases, paid out in $5 Kohl's Cash, and new accounts get 40% off one qualifying transaction within 30 days. There is no annual fee. The caveat: it works only at Kohl's and Kohls.com, the purchase APR is 29.49% Variable, and you cannot choose it directly: one application considers you for both this card and the Kohl's Rewards Visa.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 40% off your first qualifying transaction within 30 days
- 7.5% in Kohl's rewards
- Most Valued Customer status at $600 a year in Kohl's spend
- Annual fee: None
- Regular purchase APR: 29.49% Variable
- Late payment fee: Up to $40
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You shop at Kohl's often and want 7.5% back there.
- You have a large first Kohl's purchase planned for the 40% discount.
- You pay in full, so the 29.49% Variable APR never applies.
- You should skip it if you want a card that works everywhere: this one is Kohl's-only, and the same application may place you in the Visa version instead.
Score guess
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Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
198 results: 153 approved, 45 denied. Approval rate 77% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 580 to 669 | Experian | - | MO | Mar 2017 |
| Denied | Under 580 | Experian | - | TX | Sep 2016 |
| Approved | 670 to 739 | TransUnion | - | GA | Jul 2016 |
See all 198 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
