Credit Cards » Kohl's Credit Cards

Kohl's Credit Cards

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.

  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/A*N/A*17.90% -
23.90% (Variable)*
$35-$99*
  • Start with a $0 intro annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a24.9% (Variable)$0 intro for first year;
$19 after that
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • Get the credit you need with a competitive rate.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a20.9% (Variable)$39
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • 100% U.S. - based customer service - day or night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / Averagen/an/a24.99%* (Variable)$0
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See terms

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.

* See Card Terms & Conditions for Details.
± Click apply for Terms & Conditions.