October 4, 2022
Review of Kohl’s Charge Card

Review of Kohl’s Charge Card

If you live in the US, you will find Kohl’s department stores in every city. The company has over 1,100 locations in 49 states. The first Kohl department store was inaugurated in 1962 and sold groceries with its other products.

The Kohl’s credit card is known as the “Kohl Charge Card” and is issued by Capital One. Although the Kohl Collection card offers attractive discounts to Kohl’s frequent buyers, it has some major drawbacks such as a confusing structure of the bonus program and high-interest rate.

Below is a review of all important information before you think about applying for the Kohl’s Charge credit card, so you can decide if it’s right for you.

Today, this retailer is best known for its selection of clothes, shoes, and accessories. However, Kohl’s also offers a solid range of housewares, kitchenware, and gift items. For regular buyers, a business credit card is a decent option.

How does Kohl’s Charge Card Works?

Kohl’s Charge Card

You can request a Kohl charge Card online or at one of the company’s retail stores and process inquiries in a minute. If your application is approved, you will immediately receive a 35% discount on your first purchase at Kohl’s when you use your new credit balance. As soon as your card arrives by mail, you will receive another 15% discount voucher, which you can redeem next time at Kohl’s departmental stores.

Each year you receive 12 or more exclusive offers for cardholders. However, spending at least $ 600 on your My Kohl credit card will make you the “most valuable customer.” This means an update of 18 special discounts per year.

You can also link your Yes2You and Kohl’s cash accounts to your Kohl’s Charge Card to further enhance your benefits. Also, you will receive a $ 5 USD voucher for every $ 100 you spend at Kohls and a birthday gift to surprise you. For every $ 50 you get 10 USD Kohl’s Cash. You can combine these rewards to significantly reduce the amount you spend on Kohl purchases.

Kohl offers cardholders four easy ways to pay their monthly bills. You can do this online, by phone, in the shop or by mail. However, if you pay online, you can set up the automatic payment of My Kohl’s Charge so that your fees are paid directly from your checking, savings account, or money market account.

With the Kohl App, you can add your account to your mobile device and pay with your My Kohl’s Charge Card without having it on hand. You can also add all Kohl memberships to centrally track the latest rewards on your behalf.

How Kohl’s Charge Is Different From Others?

Comes With Heavy Benefits: New cardholders get 30% off their first purchase in-store or online using their Kohl’s card. So, if you spend $ 500 on your purchases, you’ll immediately spend $ 150 less. Once this discount is applied, you can save even more money by using your dollar discounts, Kohl’s cash vouchers. Yes2You rewards, and giveaways for your expenses.

Exclusive offers: You receive 12 special offers and a birthday offer every year and you have the opportunity to combine your Kohl’s batch discounts with Kohl’s Cash and Yes2You Rewards. And earn MVC (Only For Most Valuable Customer) status if you spend $ 600 on the card by the end of the year. This gives you six more offers per year, a birthday present, and every month exclusive free shipping events.

Ease of Use: The points earned on the card are automatically paid in cash at the end of each month. Your rewards will be emailed to you approximately two business days after the conversion of your points.

Remote advice service available: If you are affected by a Kohl’s credit card, you have the option of flexible advice, which does not affect your credit rating when you are out of the question. If you qualify in advance and decide to submit an application formally, a loan will be taken.

Kohl’s Yes2You Rewards And Kohl’s Cash

Kohl's Yes2You Rewards

As a kohl’s credit cardholder, you benefit most from the Yes2You Reward Program, which allows you to earn points for every dollar spent on cabbage. For every 100 points, you receive a bonus of 5 USD, special savings on your birthday and the opportunity to earn bonus points throughout the year.

In combination with Kohl’s cash, which gives Kohl $ 10 of $ 50 in business or online spend, the Yes2You rewards are incredible savings. Your Kohl credit can be tracked online or via the Kohl app for mobile devices. Once you are ready to make a purchase, simply pick up the voucher at the time of payment.

Benefits Of Kohl’s Credit Card

Bonuses and Discounts

The cardholder’s main advantage lies in the discount offers given to its users. These offers are usually 15% to 30% off a purchase, and you get a different one every month. These savings rates are quite generous compared to many other credit card discount programs in the business.

Although the Kohl credit card does not have its own rewards program, the general rewards program in the business offers a good premium rate. And the rewards points can be combined with the Kohl fee rebates. Hold it.

Kohl’s Yes2You reward program gives you 1 point for every dollar spent and you get a reward of $ 5 for every 100 points. This corresponds to a premium rate of 5%, which is very high compared to other credit cards.

The benefits of Kohl’s credit card can also be combined with the earned money. This is a separate Yes2You rewards program where buyers earn $ 10 in Kohl’s cash coupons for $ 50 each.

Savings On Startup

You also get good startup savings when submitting your application. At the time of writing, you will receive a 30% discount on your first purchase with Kohl’s Charge Card upon approval. You will receive another coupon by mail with a 15% discount on a later purchase. Which will be used upon receipt of your card.

Very Convenient

Kohl’s credit card also offers convenience benefits. For example, you can use mobile payment options through the Kohl app to avoid having to bring your physical card to the store. You can also pay your bill in the store if you feel more comfortable with online or postal payment options.

In addition, you do not have to worry about storing your receipts for purchases on the card. You can also return items purchased with your Kohl credit card without them.

Potential to Become an MVC

If you frequently buy or spend a lot of Kohl’s stores, by spending $ 600 on EOY, you can become the “Most Valuable Customer” or MVC who also offers you six discount offers every year, as well as monthly free delivery events.

No Annual Fee

Kohl’s credit card has no annual fee. This is typical of business credit cards but should be mentioned as many traditional credit cards charge substantial fees each year. As long as you have no credit, the Kohl Collection card will not cost you anything.

You Can Pre-qualify Without a Hard Credit Inquiry

Finally, you can pre-qualify for the Kohl’s Charge credit card on the company’s website without affecting your credit rating, a nice feature that is not usually available with traditional credit cards.

Boost Your Savings With Kohl’s Card

Boost Your Savings With Kohl’s Card

You may think that these benefits are not much of a “surprise factor” for cardholders. The biggest advantage, however, lies in the ability to be creative with your savings. These are the two best ways to save on your Kohl credit card.

1. Cumulative Savings

All coupons and discounts you receive are “stackable”. This means you can use as much in a purchase as you like. Suppose you enter Kohl’s plan to spend about $ 100. You see signs that you have a 30% discount for cardmembers. If you subscribe to the credit card on that day, you will receive a 30% plus a 15% discount upon sign up. If you deduct these percentages from your total, you spend only $ 55 for $ 100.

2. Great Clearance

Kohl’s customs clearance is another fantastic way to capitalize on the accumulated savings. The discounts on online and in-store quality products reach 70%. You can check these authorization sections regularly and get great benefits. 

In summary, Kohl’s credit card offers you various ways to save money. The question remains, is this the right choice for you?

Should You Get a Credit Card From Kohl?

Get a Credit Card From Kohl

Having a kohl’s charge card makes shopping easier. The return is smooth, even without a receipt, as sellers can search the history of their purchases in their database. Did you forget your card at home? No worries, you can check your account information, verify your identity, and set up everything.

Discounts are also one of the key factors. Buyers who are worried about the budget that the sale expects and who are happy with a particularly good coupon can buy clothes for a fraction of the price indicated on the price tags.

But to buy effectively at Kohl, you have to become an expert. You should also buy with a calculator in hand or be incredibly good at math.

Let’s say you receive a monthly voucher by mail, which gives you a 30% discount. He also has a $ 10 coupon in Kohl’s cash he can spend. And it’s time for him to earn Yes2You Rewards points. That’s why he gives him another $ 5 coupon. until Tuesday, but you can arrive there on Wednesday.

When you arrive at the store, you see that a bag sale is taking place, which is reduced by a total of 20%. You can find a bag that you like and that was priced at $ 79.99.

How Much Does The Bag Cost You?

In the end, you only pay $ 36.39 plus taxes on this bag. This is an interesting offer that is only available with Kohl’s cargo. But to get it, you have to follow many moving parts.

The complexity of sales programs, promotions, rewards, and discounts is the biggest weakness of a business credit card that would otherwise be useful. But if you’re in a hurry to get the absolute best deal and you do not mind paying for it. Kohl’s Cargo is a great way to save money on clothes and clothes. Household goods.

Disadvantages Of Kohl’s Credit Card

Unlike traditional credit cards, the Kohl credit card has a limit as it can only use in cabbage shops and online at Kohls.com. In other words, you can top up purchases with your Kohl credit card and pay the balance later.

The only problem is that monthly maintenance of the card balance can be expensive because the card has a high TPA. As long as you pay your balance monthly, there will be no interest.

Since there is no annual fee and you have access to significant savings and discounts every month, Kohl’s Charge credit card is an excellent offer. However, it is important to consider the disadvantages of this credit card.

  • High APR
  • Discounts exclude well-known brands and gift cards
  • Only for use in cabbage stores and online


As a buyer and member of the Kohl’s Charge card, you do not want to miss out on these incredible savings. The best way to get the most out of your Kohl purchases. Always use your credit card and pay the balance before paying the interest. Then sit back, relax and check out Kohl’s points, rewards and cash. And be sure to check your inbox or inbox to see Kohl coupons and other discounts. Let me know in the comments section below what you think of Kohl’s card and share your experiences with this card.

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One Comment

  1. Ronald Reply

    Honestly speaking Very informative and useful article! I think I got all the information I was looking for. I learnt so many things from your blog.

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