Credit Cards » Kohl's

Kohl's Credit Cards Alternatives

The Kohl's credit card can be used exclusively at Kohl's department stores and on its website where cardholders earn Kohl's cash, which can be redeemed for merchandise. The Kohl's credit card includes a sign up bonus in its package. Cardholders also get access to special sales, discounts and offers during the year.

Alternative Credit Cards for Kohl`s Purchases and more

  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
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  • Return at any Time
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
No Credit NeededN/AN/AN/A$0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average, Fair, Limited0% intro on balance transfers for 9 months0% intro on purchases for 9 months23.24% (Variable)$39
  • No Annual Fee*.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a25.15%$0
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% Variable$0 - $99
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*

Kohl's Charge Card to Shop at Kohl's

Kohl's is a department store chain with over 1,100 stores throughout the U.S. Kohl's Credit Cards can be used to buy merchandise in the store and via their website, but they can't be used in other stores.

Kohl credit card applications can be found on their website, but you can also apply while you're in the store. Being issued a Kohl's Credit Card usually requires a credit score of 650 or more. Once your credit card application is approved they provide you with a temporary card, so you can begin shopping right away.

Cardholders are also automatically enrolled in the Kohl's Credit Cards rewards program. With this program members earn Kohl's cash and this can be used just like a Kohl's gift card at the register or while shopping online.

As a bonus, new members get 15% off their first purchase. From that point on they earn $10 in Kohl's cash for every purchase of $50. Purchases under $50 are not eligible to earn Kohl's coupons, and you can't combine transactions. Some other exclusions also apply including the fact that Kohl's cash can't be used to buy Kohl's gift cards. Cardholders get access to special discounts twelve times a year, in which they can save anywhere from 15% - 30% on their purchases.

Once members have spent $600 or more with their Kohl's Credit Cards they are upgraded to Kohl's Most Valued Customer status, which affords them some additional benefits. Half a dozen times a year they can pick a personal sale day, and they also get access to 18 special discounts and sales during the year. They also get the MVC Premier Newsletter, which provides some fun tips in fashion and lifestyle, and additional sale information. To stay in the program MVC members have to reach that $600 mark every year.

Kohl's is a popular department store chain, so consumers who are frequent shoppers may well want to take a closer look at the Kohl's charge card. This is a store card but it offers the same kind of tools associated with credit cards, including online bill payment, and account access.