Striving To Know More About Kohl’s Credit Cards? — All The Kohl’s Benefits and Rewards Are Right Here For You!

Updated: December 30, 2022
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Striving To Know More About Kohl’s Credit Cards? —  All The Kohl’s Benefits and Rewards Are Right Here For You!


Kohl's is a multichannel company that operates over 1,100 shops across 49 nations. Kohl's provides a simple shopping experience where you can shop for national and exclusive brands and enjoy amazing deals on its mobile app, website, or store. They also have affordable, high-quality apparel, footwear, kitchenware, housewares, toys, and more.

Kohl’s Credit Card 

Like most major retailers, Kohl's offers its own branded store card that can only be used at Kohl's stores and at Since the Kohl's Card is a retail charge card, it can only get used for buying goods from Koh, and that covers both in-store and online purchases made at Kohl's. It differs from a standard credit card with Visa, Mastercard logo, etc.

Like most credit cards, the credit limit on Kohl's Credit Card is frequently lower than the credit limits provided by conventional credit cards. The credit limit offered may range from $300 to $3,000 based on the cardholder's credit standing, even though it typically falls beneath $1,000 for most consumers. 

The variable annual percentage rate (APR) for Kohl’s credit card is 28.99%.The minimum monthly payment requirement for Kohl’s Credit Cardis the total payment. Although there is no yearly cost of the card, there may be late fees or repayment fees. 


Related: 5 Kohl's Shopping Secrets & Tips to Consider Next Time You Shop


Benefits of Kohl’s Credit Card 

Kohl's Card has some incredible advantages 

  • You'll receive an additional 35% off your first purchase at Kohl's with your card as soon as it has been accepted. This purchase can be made either online or at the store.
  • Your Kohl's Card will come with a voucher for 15% off your next in-store or online purchase when you get it in the mail.
  • You will receive an additional $10 voucher in your email if you choose digital invoices, i.e., paperless statements. 
  • Twelve exclusive offers will get mailed to you throughout the year. Each deal has a time limit and can be used online and in-store at checkout. A promotional code given to you at random can save 15%, 20%, or 30%. You'll automatically receive 15% off your purchase throughout the campaign if you need to place your special offer mailer. 
  • You'll also get extra deals and a birthday gift if you spend more than $600 at Kohls annually. 
  • You will also be notified when the sale starts at the store. If you prefer online shopping, you can add items to your cart before the sale and check out after it begins.

Moreover, Kohl's provides two other programs, Yes2You Benefits and Kohl's Cash, separate from the Kohl's Charge card. 


Related: You can also obtain kohls free shipping MVC code 2022


Kohl’s Cash 

Customers who are members of the Kohl's Cash program receive $10 in Kohl's Cash for every $50 they spend. If you shop online, the coupon is emailed to you; if you shop at the store, it is handed to you as a coupon; or accessible at a kiosk. If you have an online account, you can also access it in your Kohl's Wallet. Gift cards and products from Kohl's Cares cannot be purchased using Kohl's Cash. 


Related: 5 Genius Hacks To Save Money at Kohl’s



With Yes2You, customers can earn 1 point each time they spend $1 and $5 in rewards after reaching 100 points. Members of Yes2You also have the chance to earn bonus points and receive a free birthday gift. 

Which Bank Issues Kohl’s Credit Card? 

Capital One has been Kohl's banking partner for many years and has offered Kohl's credit cards since 2011. It is a credit card with a specific brand that can only get used with Kohl's customers.

You can also get your Kohl's Credit Card online or in-store by filling out an application form. 

To be approved for the Kohl's Credit Card, you must have a credit score of 640 or better, which indicates that you must have at least fair credit. Remember that the issuer will also consider your income, credit history, and current debt obligations while making a choice. 


Related: During Kohl's Black Friday Week, Purchase The Items On Your Wish List


All About Kohl’s Credit Card 

You must complete the signup process to take advantage of these incredible bargains and ensure that your email address is always up-to-date. 

  1. Kohl’s Credit Card Login Account 

Kohl's Credit Card Login Account enables you to access your Kohl's Card account from anywhere at any time, pay your bills online, ask for an increase in your credit limit, and sign up for paperless statements. 

  • You can access Kohl's page through your phone or a web browser by clicking the link. 
  • On Kohl’s page, you will see three options in the top right corner of the page Account, Cart and Checkout.
  • Click on the account option; a list will display with two tabs on top, Sign In and Create Account. 
  • Click on the Create Account option if you do not already have an account; otherwise, sign in to your Kohl's credit card login account using your username and password.
  1. Kohl's Credit Card Payment 

The My Kohl's Card offers a variety of Kohl's credit card payment alternatives. You have three options for making a payment: immediately, set a future date, or automatically each month if you sign up for AutoPay. 

The Payments page lists all available payment methods. You can visit the page from the main Account page, the side menu, or the "Make a Payment" button (if a payment is due). 

  1. How to Pay Kohl’s Credit Card 

You must first add a bank or savings account to My Kohl's Card to pay Kohl's credit card or set up an AutoPay. On My Kohl's Card, you can only utilize and store one checking/savings account. Please pay in-store or contact Kohl's credit card customer service at kohls credit card phone number 800-564-5740 or email at [email protected] if you want to pay with another form of payment (such as a debit card). 

How to Cancel Kohl’s Credit Card 

  1.  Unused Rewards 

Companies that issue credit cards make benefitting difficult once the cancellation process has begun. Additionally, you must rely on something other than a customer support agent always to warn you. As a result, make sure to cash in or spend your rewards. 


  1. Remaining Balance 

Any outstanding balance and the complete processing of your credit card payment are required before canceling your card. You can move on to the next steps after your statement balance is zero. 


Remember that it may take 1 to 5 business days for credit card payments to be processed. By accessing your Kohl's credit card login account online or contacting the Kohl's credit card phone number shown on the card, you can check for status updates. You can continue once your statement balance is zero, but you can only cancel your card once the payment has cleared. 


  1. Gathering Account Data 

When your account balance is zero, you should gather account information because a Kohl's representative will require it. You should always have these things close by: 

  • Your Kohl's account number 
  • Your account's linked email address 
  • Postal address linked to your account 
  • Contact information for your invoice by phone 
  • Responses to security queries 


A Kohl's representative will need identification details like the ones on the above list when you interact with them. Even if you only require one or two pieces of information, it is best to have all of it on hand, as the representative may need any or all of it.