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Kohl's Credit Card Review: Is It a Good Store Credit Card?

Kohl's Charge
This card is not available through ValuePenguin.
Kohl's Charge
This card is not available through ValuePenguin.

Kohl's Credit Card Review: Is It a Good Store Credit Card?

Editor's Rating: 4.0/5.0
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.0/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

Although the Kohl's Charge card offers better perks than some store credit cards, it comes with limited use and underwhelming perks compared to what you could get with most cash-back credit cards.

That said, the card does offer some unique benefits to Kohl's customers. If you frequently shop at Kohl's department stores and you're willing to strategically plan out your purchases, the Kohl's credit card may be worth keeping in your wallet.

Read more for a full review of the Kohl's Charge card and its benefits.

Kohl's Charge
This card is not available through ValuePenguin.
Kohl's Charge
This card is not available through ValuePenguin.

Kohl's Charge

Kohl's Charge
This card is not available through ValuePenguin.
Kohl's Charge
This card is not available through ValuePenguin.
  • Your Kohl's Charge entitles you to at least 12 SPECIAL OFFERS every year.
  • Use your Kohl's Cash with your Kohl's Charge discounts.
  • Take an extra 30% off your first Kohl's charge purchase.
  • Get another 15% off discount when your card arrives in the mail.
  • Your Kohl's Charge entitles you to at least 12 SPECIAL OFFERS every year.
  • Use your Kohl's Cash with your Kohl's Charge discounts.
  • Take an extra 30% off your first Kohl's charge purchase.
  • Get another 15% off discount when your card arrives in the mail.
Annual Fee
No Annual Fee
Regular APR
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
N/A
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Kohl's Benefits: What Do I Get With the Kohl's Charge?

Kohl's Charge cardholders can benefit in three different ways by using their Kohl's credit card: rewards points, special discounts and sales. The Kohl's Charge is a closed-loop card, meaning it can only be used to shop at Kohl's. But if you shop there frequently, the rewards and savings can add up.

Yes2You Rewards® Points

Kohl's offers its own rewards program called Yes2You Rewards®. You can join this program regardless of whether you carry a Kohl's Charge card. But when you use your card in tandem with the Kohl's rewards program, you can take advantage of some great deals.

Under the rewards program, Kohl's will give you 1 point per $1 spent at the store. Once you've earned 100 points, you can redeem them for $5 in Kohl's Cash®. Be aware that points expire one year after you earn them, so you need to make sure you redeem them in time.

But where does the Kohl's Charge card come into play? When you decide to cash in those points toward a larger purchase.

Kohl's Charge Discounts

As a Kohl's Charge cardholder, you'll receive a code for 30% off your first purchase, and another 15% discount after your card arrives in the mail. These discounts can be applied after you redeem any Kohl's Cash® you've accrued over the year.

Special Offers

Finally, Kohl's Charge cardholders will receive 12 special offers every year. You can't predict what these offers will be, but they present the opportunity for significant savings on Kohl's merchandise.

By combining Kohl's Cash®, Kohl's Charge discounts and Kohl's Charge special offers, you can get great deals on the right Kohl's purchase.

If all of this sounds like too much work, you'll be better off going with a flexible cash-back credit card, such as the Discover it® Cash Back (described below). But if Kohl's has some big ticket items you're interesting in buying, such as new luggage, and you can wait for the right deal to make your purchase, holding onto the card might make sense.

How Do I Qualify for the Kohl's Charge?

One of the perks of the Kohl's Charge is the fact that it's relatively easy to obtain. You only need a fair credit score to qualify, compared to the good credit score required by most cash-back cards.

Is the Kohl's Charge Right for Me?

The Kohl's Charge is a pretty lackluster card. That said, it might make sense to sign up if you frequent Kohl's department stores. Not only will you get some discount perks, but it also makes returning items easier; if you paid with your Kohl's Charge card, the store clerk can look up your purchase history even if you've misplaced your receipt.

If you have good credit and shop at other stores as often as Kohl's—or if you're interested in travel rewards—we recommend going with another card.

Kohl's Bill Pay: How to Submit a Kohl's Credit Card Payment

Due to the Kohl's Charge card's high APR, making timely payments is imperative. To submit a Kohl's credit card payment, login to your account on the Kohl's home page, then click "My Kohl's Charge" to access your account history and pay your bills.

Currently, you can submit payments by connecting your bank account or providing a debit card number. Credit card payments are not allowed.

The information related to the Kohl's Charge card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

How Does the Kohl's Charge Compare to Other Store Cards?

There are dozens of other no-fee cash-back credit cards that offer more flexibility and higher rewards than the Kohl's Charge. Here are a few of our favorites.

On Discover's Secure Website

Discover it® Cash Back

On Discover's Secure Website
Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
13.74% - 24.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Discover it® Cash Back is one of our favorite cash-back credit cards available. Since there's no annual fee, it's not any more expensive to use than the Kohl's Charge. But it offers far more flexibility in where you can use it and how you can redeem rewards.

Rewards

Every purchase with the Discover it® Cash Back will earn you at least 1% back, which can be redeemed as a statement credit, for Amazon purchases or for a gift card to one of hundreds of participating vendors.

Discover also offers quarterly rotating categories that allow you to earn 5% back on up to $1,500 in purchases OR up to the quarterly maximum (activation required). Here are this year's categories:

MonthsCategories
January–March:Grocery Stores

April–June:

Gas Stations, Uber & Lyft

July–September:

Restaurants and PayPal

October–December:

Amazon.com, Target, and Walmart.com

Welcome Bonus

As an added bonus, Discover will double your cash back at the end of your first year for new cardmembers, creating the opportunity for some serious cash back if you strategically spend within the card's 5% categories.

On Discover's Secure Website

Discover it® Cash Back

On Discover's Secure Website
Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
13.74% - 24.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Citi® Double Cash Card is another excellent cash-back credit card with no annual fee. Although you could potentially earn higher rewards with the Discover it® Cash Back, the Citi® Double Cash Card is more flexible than both the Discover it® Cash Back and the Kohl's Charge.

1% Now, 1% Later

You'll earn 1% cash back every time you use your Citi® Double Cash Card, plus another 1% as you pay, giving you an effective rewards rate of 2% regardless of where you use the card.

On Citi's Secure Website

Citi® Double Cash Card

On Citi's Secure Website
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Regular APR
15.74% - 25.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Chase Freedom Unlimited® is another flexible cash back card with no fee.

Decent Rewards Rate

With the Chase Freedom Unlimited® card, new cardmembers can earn $150 after spending $500 within the first three months of account opening. After that, you'll earn a flat 1.5% back regardless of where you spend your money, making this an easier card to utilize than the Kohl's Charge.

On Chase's Secure Website

Chase Freedom Unlimited®

On Chase's Secure Website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No annual fee
  • Free credit score, updated weekly with Credit Journey℠
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No annual fee
  • Free credit score, updated weekly with Credit Journey℠
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Annual Fee
$0
Regular APR
16.74-25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Comparison Tool

Your unique spending habits will determine which card works best for you. Enter your monthly spending habits into our tool below to see how these cards will perform over a two-year period.

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Assumptions based on $1,430 monthly spend
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{"cardCategory":"rewards","cardIds":"1668,65,251,1054","initialResultsLimit":5,"endpoint":"https:\/\/creditcards.valuepenguin.com\/api\/creditcards\/models\/rewards","onCurrent":"true"}

Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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