Kohl's Card

Key Benefits

All Benefits

• 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
• Annual fee: $0, with no first-year waiver caveat. Kohl's positions the card as a free customer-loyalty tool, not a fee-bearing rewards product
• 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
• 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 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
• 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)
• No interest if paid in full each billing cycle: like all U.S. revolving credit cards, the Kohl's Card carries no interest charges when the statement balance is paid in full by the due date. The Kohl's Card APR is a variable purchase APR (historically positioned at the higher end of the store-card range, comparable to other private-label store cards), so carrying a balance is expensive and the card is designed to be paid off monthly
• 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
• Authorized 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
• 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
• Welcome offer eligibility: the 35% first-purchase discount is a one-time benefit per customer per lifetime , customers who previously held a Kohl's Card are generally not eligible to receive the 35% offer again on a new application
• 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
• Capital One Travel transfer partners: Not offered , the Kohl's Card is a closed-loop store card. It does NOT earn Capital One Miles, does NOT participate in Capital One's airline or hotel transfer-partner program, and there is no path from Kohl's Cash to any travel currency. Kohl's Cash is redeemable only at Kohl's stores and Kohls.com on Kohl's merchandise
• Visa / Mastercard network acceptance: Not offered , despite the slug including `visa`, the Kohl's Card is a private-label store charge card with no Visa or Mastercard network branding. It cannot be used at any non-Kohl's merchant, cannot be used at gas stations, restaurants, grocery stores, or online merchants outside Kohls.com, and cannot be added to general Apple Pay / Google Pay tap-to-pay at non-Kohl's merchants
• Foreign transaction fees / international acceptance: Not offered as a concept , because the card is closed-loop and only usable at Kohl's (a U.S.-only retailer with no international stores), there is no foreign-transaction-fee construct and no international acceptance. Travelers cannot use the Kohl's Card abroad
• Travel insurance, rental car CDW, trip cancellation, trip delay, baggage delay, lost luggage, travel accident insurance: Not offered , none of the standard Visa Signature / World Mastercard travel protections apply because the card is not on a payment network. Cardholders receive zero travel-protection coverage from the Kohl's Card
• Cell phone protection, purchase protection, extended warranty, return protection, price protection: Not offered , Capital One does not list any of these network-style purchase-side protections on the Kohl's Card. The card's value is delivered entirely through Kohl's-specific discounts and Kohl's Cash, not through ancillary insurance products
• Airport lounge access, Global Entry / TSA PreCheck credit, statement credits for travel portals, hotel elite status, airline elite status: Not offered , the Kohl's Card has zero travel benefits of any kind. It is not a travel rewards product and is not designed to be one
• Cash back to bank / statement credit redemption: Not offered , the Kohl's Card does not earn cash back redeemable to a bank account or as a generic statement credit. All `rewards` value comes back as Kohl's Cash or Kohl's Rewards balances spendable only at Kohl's
• Sign-up bonus in points or miles: Not offered , the welcome offer is the 35% first-purchase discount (plus the follow-on 15% offer), delivered as instant percent-off at the Kohl's register / checkout. There is no points-currency sign-up bonus and no spend-threshold cash bonus
• 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