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Capital One|Personal
Kohl's Card
4/5
Annual Fee
$0
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Is this card worth it?
Annual fee
$0
Best for
Cashback
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Statement credits
1- Welcome / first-purchase offer
Welcome / first-purchase offer: 35% off your first purchase made the day you open the account at a Kohl's register or Kohls.com (subject to Kohl's published exclusions on categories like Sephora at Kohl's, gift cards, premium electronics, and a handful of vendor-restricted brands). This 35% is the single largest one-time discount Kohl's offers any new customer and is delivered as an instant percent-off at checkout, not as statement credit
Perks & memberships
2- RedemptionKohl's Cash earning: every Kohl's purchase paid with the Kohl's Card (or any tender, but the card is the loyalty linkage) earns Kohl's Cash during Kohl's Cash earn periods. Standard earn rate is $10 in Kohl's Cash for every $50 spent during an earn window (effectively a 20% rebate during earn windows), redeemable as currency during the following Kohl's Cash redeem window on nearly any merchandise
- Authorized usersAuthorized users at no fee: cardholders can add household authorized users to the Kohl's Card account at no additional cost; authorized-user purchases earn Kohl's Rewards and Kohl's Cash to the primary account
More benefits & fine print (11)ShowHide
- Product identity: the `Kohl's Card` is a private-label store credit card issued by Capital One (issuer transitioned from Capital One/COMENITY to Capital One N.A. as the underlying issuer of record; Kohl's product page brands it simply as `Kohl's Card`). Despite the slug `kohls-rewards-visa`, the live product is NOT a Visa/Mastercard-network card , it is a closed-loop store charge card usable ONLY at Kohl's stores and Kohls.com, with no payment-network logo on the face of the card
- Ongoing new-cardholder bonus discounts: 15% off a follow-up purchase typically delivered in the mail / via email within the first billing cycle as a one-time additional savings pass on top of the 35% first-purchase offer
- `Special savings offers throughout the year`: Kohl's mails and emails Kohl's Card holders cardholder-exclusive percent-off passes (commonly 15%, 20%, 25%, or 30% off) several times per year that stack on top of in-store sales and Kohl's Cash earning. These targeted offers are the core ongoing reason customers keep the card
- Kohl's Rewards program integration: the Kohl's Card is automatically linked to Kohl's Rewards, the free loyalty program that earns 5% Kohl's Cash on every purchase made in-store or online (Rewards balances convert to Kohl's Cash in $5 increments on the first day of the following month). Kohl's Card holders stack the cardholder discount + Kohl's Cash earn + Kohl's Rewards 5% on the same transaction
- Most Valued Customer (MVC) status: Kohl's Card holders who spend $600 or more on their Kohl's Card in a calendar year are upgraded to MVC status, which unlocks additional mailed coupons, early access to select sales, and extra targeted percent-off offers throughout the following year
- Free standard shipping offers: Kohl's Card holders periodically receive `Free Shipping with $25 purchase` or unrestricted free shipping promo codes via email , a meaningful benefit because Kohls.com's standard free-shipping threshold for non-cardholders is higher
- Birthday savings: Kohl's Card holders enrolled in the Kohl's Rewards program receive a birthday-month savings offer (typically a percent-off coupon valid during the cardholder's birthday month)
- Reports to all three major credit bureaus (Experian, Equifax, TransUnion) under the Capital One issuer relationship, which means responsible use builds credit history. The relatively low credit-line approval bar (store cards are typically approved at Fair credit, roughly FICO 580+) makes the Kohl's Card a common credit-building entry product
- Account management via Capital One: post-issuer-transition, account management (statements, payments, autopay, paperless billing, dispute filing) flows through Capital One's servicing platform and the Kohl's mobile app, with Capital One handling underwriting decisions and credit-line increases
- Stacking mechanics: a Kohl's Card holder's typical `triple stack` on a single transaction is (1) the cardholder-only percent-off coupon (15%-30%), (2) Kohl's Cash earned at $10 per $50 spent, and (3) 5% Kohl's Rewards on the net purchase. Stacking these on top of clearance and storewide sales is what drives the program's strong perceived value despite the card having no points or miles currency
- Bottom line for an advisor: recommend the Kohl's Card only to customers who shop at Kohl's at least a few times a year. The 35% first-purchase discount is genuinely strong on a large opening basket (e.g., back-to-school, holiday, home refresh). The MVC tier and recurring mailed percent-off offers compound real savings for regular Kohl's shoppers. But the card has zero utility outside Kohl's, no travel value, and no transferable rewards currency, so it should never be positioned as a travel or general-purpose rewards card
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