Kohls Credit Card – Get Access to Amazing Deals

Kohls credit card is a store credit card, not a charge card, even though the card formerly was called the Kohl’s Charge.

Credit cards allow you to carry debt from month to month and charge interest on outstanding balances, whereas charge cards require you to pay in full each month.

The Kohls Credit Card, on the other hand, is a “closed-loop” shop card, which means you can only use it at Kohl’s.

(In March 2022, Kohl’s and Capital One announced plans for a new co-branded card to launch “as early as 2023,” but provided no further specifics.)

Key Takeaways

• The Kohl’s Card can be used to make purchases both online and in-store at Kohl’s locations.
• Through the Kohl’s Cash program, Kohl’s Card members can earn points on purchases.
• New cardholders can get a discount on their first transaction.
• The Kohl’s Card, like other retail shop cards, may have a higher APR than ordinary rewards cards.

What is Kohl’s

Kohl’s department stores, a subsidiary of Kohl’s Corp. (NYSE: KSS), is the world’s second-largest retail chain by sales, trailing only Macy’s Inc. (NYSE: M). Kohl’s is well-known for being a family-friendly retailer that sells high-quality apparel at reasonable prices. It has built a devoted customer base with frequent discount deals, which provide coupons for up to 35% off retail items. 1 Kohl’s, like most large retail chains, has its own branded retail store card (Kohls Credit Card), which can only be used at Kohl’s stores and on Kohls.com.

What is Kohls Credit Card?

If you frequently shop at Kohl’s for clothing and home furnishings, the Kohls Credit Card can be a valuable tool.

This card, however, will not provide much benefit for any other purchases.

It’s a closed-loop store card, which means you can only use it at Kohl’s.

As a cardholder, you will receive discounts on Kohl’s purchases, but you will not be able to earn points or cash back like you would with a regular rewards credit card.

Kohls Credit Card At a Glance

• Receive 35% off your first Kohl’s purchase when you use your card within 14 days of acceptance.
• Be eligible for special offers and discounts throughout the year, which you may combine with Kohl’s Cash and Kohl’s Rewards.
• Spend $600 with your Kohls Credit Card in a calendar year to become a Most Valuable Customer (MVC)
• No annual fee
• 99 percent variable APR on purchases
• Offer of Prequalification

How the Kohls Credit Card Works

The Kohls Credit Card is a retail charge card that can only be used to buy Kohl’s items.

This includes purchases made both in-store and online at Kohl’s.

This is not the same as a typical credit card with the Visa, Mastercard, American Express, or Discover logo.

The Kohls Credit Card, like most retail cards, comes with a store credit limit that is often smaller than the credit limits offered on conventional credit cards.

The amount of credit provided is determined on the cardholder’s credit history and can range from $300 to $3,000, though most customers receive less than $1,000.

Because the Kohls credit card is a charge card, the balance is intended to be paid in full each month, but cardholders can carry a load if they are willing to pay the variable annual percentage rate (APR), which as of May 2022 was 26.24 percent. The card has no annual cost, however you may be charged a late fee or a returned payment fee.

You can apply for a Kohls Credit Card online or in-store. Prior to approval, applications are subject to a rigorous credit check, which may damage your credit score.

Apply For Kohls Credit Card Online

You may quickly apply for a Kohls Credit card online, by phone, or in person at any Kohl’s location.

The information requested is the same regardless of how you apply.

You must be a legal resident of the United States, and all applications are subject to a credit check.

To apply online, go to:

1. Go to the Kohls credit card application website and, if you have one, enter your personal offer code.
2. Click the “Apply Now” button in green.
3. Complete the application page’s fields.

Your name, address, Social Security number, and annual gross income are all data fields.

4. Go over the relevant disclosures to learn about the expenses and fees, your rights, and how your balance is determined.
5. Read the Yes2You Rewards Member Agreement Terms & Conditions to get a better understanding of the Kohls credit card rewards program.
6. Click “Continue” to finish reviewing and submitting your application.

Related Articles>>>>

• Kohl’s Charge Login & Benefits | www.mykohlscharge.com
• www.mykohlscharge.com | My Kohl’s Charge

Online Account Access

Kohl’s charge cardholders can view their accounts online at any time and from any location. Cardholders can use online account access to see account activity, make payments, set up account notifications, and more. It’s also an excellent tool to track your expenditure and budget properly.

Here’s how to get online access to your Kohls credit card account:

1. Go to Kohls.com and select the Account tab at the top of the screen.
2. Select the My Kohls Credit Card option from the drop-down menu.
3. Enter your Kohls credit card number and password into the appropriate areas.

Kohls Credit Card Login

Here’s how you can access your Kohls credit card account:

1. Navigate to https://credit.kohls.com and log in with your Username and Password.
2. Now, to access your Kohls credit card account, select Log in.

Kohls Credit Card Sign Up – Register Online

Here’s how to sign up for your 2022 Kohls credit card online:

1. Navigate to https://credit.kohls.com and select the Register option above the login section.
2. Enter the number from your Kohls credit card (12 digits).
3. Enter your date of birth (as shown on your ID), last name, and zip code now.
4. To confirm, click Continue.
5. Enter a Username and Password, and you’re done!

Forgot Password

If you have forgotten your Kohls credit card login password, you can retrieve it by following these steps:

1. Navigate to the Kohls credit card website and select the Forgot password? option.
2. Enter your Username here and click Continue.
3. To verify your identification, enter your date of birth, last name, and ZIP code.
4. You can create a new password that does not include your username and should include the following words:

• Minimum of 8 to 20 characters
• One number
• At least one special character
• One uppercase and lowercase letter

5. Once completed, you will be prompted to send a temporary identification code to complete the verification.
6. Once verified, you can log in to your account using your new password.

Forgot User ID

1. On the Kohl’s card website, under the login section, click the Forgot Username? option.
2. Now, input your Card number and press the Continue button.
3. For verification, provide your date of birth, ZIP code, and last name and click Continue.
4. Enter the one-time passcode that was supplied to you for security reasons.
5. You will now see your username, which is case-sensitive. Use it exactly as it is.

Kohl’s Card Benefits and Perks

The Kohl’s Credit Card is not a credit card with incentives.

If you are a member of the Kohl’s Cash rewards programs, you can still receive rewards on purchases.

Kohl’s Cash enables customers to accrue credit toward future purchases.

For example, if you purchase $50 on products, you can receive $5 in Kohl’s Cash.

Furthermore, Kohl’s has provided discounts for new cardmembers, such as a 35% discount on your first purchase using your new Kohl’s card.

Kohl’s Cash incentives are presented on a regular basis and are occasionally only available to Kohl’s cardholders.

Discounts and promotions can be layered on top of one other at Kohl’s, resulting in massive savings.

A consumer, for example, might combine a 30% discount deal with Kohl’s Cash on any purchase.

Kohl’s frequently offers cash-off coupons, such as $10 off $30 or more purchases.

These can be combined with other offers and Kohl’s loyalty schemes.

Kohl’s cards can participate in all of these savings and rewards programs, just like any other consumer.

Cardholders, on the other hand, receive additional offers for store discounts ranging from 10% to 30% each year.

In addition, new cardholders receive a 35 percent discount on their first purchase, which can be coupled with any other store discounts.

If you spend more than $600 over the year and become a Most Valuable Customer, you will receive six additional discount offers, including an annual birthday gift and free shipping promos.

Other benefits for Kohl’s Cardholders include mobile payment choices, hassle-free returns, and online and mobile bill paying.

Who Uses the Kohl’s Card?

Kohl’s has built a devoted customer base through its discount offerings and shopper rewards programs, which, when combined, can result in significant discounts.

Using a new Kohls credit card is appealing to many shoppers due to the offer of 35% off the first purchase on top of all other discounts.

A retail store card, such as the Kohl’s Card, may be a suitable option for someone who is new to credit development or attempting to regain a favorable credit history.

Retail shop cards are usually easier to obtain than standard credit cards.

Paying your Kohl’s Card due late, as with any other credit card, may result in negative credit reporting and loss of credit score points.

Kohl’s Card Pros and Cons

In terms of benefits, the most appealing aspect of the Kohls Credit Card is the first discount provided to new members making their first purchase.

If you plan to buy a more expensive item from Kohl’s, the discount could result in significant savings.

Other than the special discount offers throughout the year, there is no practical benefit to carrying a Kohl’s card after that.

That may be plenty for Kohl’s customers who live on the option to stack discounts.

People who do not usually purchase at Kohl’s may benefit more with a normal cash-back rewards credit card.

In terms of disadvantages, keep in mind that the Kohl’s charge card is a retail shop card.

Retail store cards have various disadvantages, including the fact that they are typically given as subprime credit, which means that if you carry a balance, you will be charged a high APR.

Furthermore, retail shop cards are frequently issued with low credit limits, which isn’t always a negative thing because it can protect you from overspending.

If you’re used to receiving $5,000 credit lines from credit card companies, you might be disappointed with the credit line from Kohl’s.

Finally, because it does not provide a rewards program in addition to the one open to all shoppers, the Kohls Credit Card may not be of much use to you if you do not frequent the store.

Instead, you might use a rewards card that allows you to receive cash back on all of your department store purchases.

When comparing cashback or other classic rewards cards, consider how benefits are earned as well as the annual fee to ensure the card is a good fit for your spending patterns and style.

Kohls Credit Card Payment Options

Pay online (desktop)

You can use your checking or savings account to make payments through your Kohl’s Charge online profile.

Pay via mobile site or Kohl’s app

On your mobile device, download the Kohl’s app or visit our website.

Pay by phone

Call 855-564-5748 24 hours a day, 7 days a week to pay using our automated system with your checking account or debit card number. Payments received after 7 p.m. (Central Time) will be processed the next business day.

Pay by mail

Payments received after 5 p.m. (Central Time) will be posted the next business day.

Make your check payable to Kohl’s Payment Center and mail it to:

Kohl’s

P.O. Box 60043

City of Industry, CA 91716

OR

Kohl’s

P.O. Box 1456

Charlotte, NC 28201

Pay in a Kohl’s store

At the store, you can pay with a check, cash, debit card, or money order.

We also accept Kohl’s Cares® cards as payment.

Kohls Credit Card Customer Service Hours

If you have any questions about your order or your Kohl’s card, please call customer support at 855-564-5748.

They are available 24 hours a day, and you can reach out to a representative at any time.

How to Pay Kohls Credit Card?

Online

1. Go to Kohl’s website and select Account in the top right corner.
2. Select My Kohl’s Card from the list and enter the essential information to proceed.
3. Click Submit to return to the account summary page.
4. Next, choose the Make a payment option.
5. Enter the amount you wish to pay as well as any further information.
6. To proceed, click Submit.

By Phone

If you prefer to pay by phone, please contact customer care at 855-564-5748, which is available 24 hours a day, seven days a week.

When you call, an automated system or a representative will answer and offer you payment instructions.

To confirm it, follow their instructions and provide your card information.

By Mail

If you have a Kohls credit card, you can choose to pay your bill by mail.

Here’s a step-by-step guide to getting started:

1. Locate an envelope and place your payment inside. Your Kohls credit card number must be included on the cheque or money order.
2. Seal the envelope and mail it to:

• Kohl’s, PO Box 60043, City of Industry, CA 91716

Or

• Kohl’s, PO Box 1456, Charlotte, NC 28201.

1. On the face of the envelope, write Payment Enclosed.
2. Apply a stamp to the envelope and mail it.

It’s as simple as that! We recommend that you send your payment at least 5-7 working days before the due date to ensure that it is received and posted to your account on time. Include your account number on your check or money order so that they can properly apply for your payment.

Via the Mobile App

With the Kohl’s app, which is available on iOS and Android, you can simply make payments online or in-store. Here’s a guide on making payments using this app:

1. Launch the Kohl’s app and select the three lines menu in the upper left corner.
2. Go to Kohl’s payment.
3. Next, choose the Kohl’s card you wish to attach to Kohl’s pay.
4. Enter your email or phone number to receive a verification code and continue.
5. Now that you’ve set up Kohl’s pay, you may go to the app’s Kohl’s pay and scan the QR code at the checkout.
6. After scanning, you can choose to pay using Kohl’s cash, points, or coupons.

After making your choices, press the Approve button.

7. Finally, your transaction will be finished, and you will be notified by email.

Kohls Credit Card – How to Avoid Late Fees?

Every time you skip or delay a payment, Kohl’s levies a $25 late fee.

You must maintain track of your dues and make the minimum payment each month to avoid this cost. However, Kohl’s is a little more generous in this scenario; you can speak with a customer service contact directly to reverse the late fees.

Kohl’s Card Payments – Debit/Credit Cards

Do you need to make a payment? You Don’t Have a Checking Account?

Not a problem!

Call 855-564-5748 to make a debit card payment over the phone with our automated phone system. Payments made by debit card using our automated phone system after 7 p.m. (central time) will be posted the next day.

Kohls Credit Card Approval Chances

The Kohls Credit Card approval criterion is a credit score of 640 or above; in most circumstances, this means you must have at least fair credit to be approved for this card. However, keep in mind that credit card companies look at your credit history, income, and prior debt responsibilities while making acceptance choices.

FAQs

Credit Score For Kohls Card?

The Kohls Credit Card approval criterion is a credit score of 640 or above; in most circumstances, this means you must have at least fair credit to be approved for this card. However, keep in mind that credit card companies analyze your credit history, income, and prior debt responsibilities while making acceptance choices.

Is it possible to pay my Kohl’s bill over the phone?

Not a problem!

Call 855-564-5748 to make a debit card payment over the phone with our automated phone system.

What is the maximum credit limit on the Kohl’s card?

According to reports, the highest credit limit for a Kohls Credit Card is $3,000.

Most cardholders will begin with a credit limit closer to the minimum of $300, while some applicants with excellent credit are said to receive limits ranging from $1,000 to $3,000 maximum.

Does Kohls credit card build credit?

Using a new Kohls credit card is appealing to many shoppers due to the offer of 35% off the first purchase on top of all other discounts.

A retail store card, such as the Kohl’s Card, may be a suitable option for someone who is new to credit development or attempting to regain a favorable credit history.

What bank issues the Kohls credit card?

As the issuer of Kohl’s Card accounts, Capital One, N.A. has released our Privacy Notice.

Kohls Credit Card Phone Number

Contact Customer Service at (800) 564-5740 for further assistance.

Can I pay my Kohl’s Charge Online?

Create an account at My Kohl’s Card to make FREE online payments. You can also set up one payment every day for up to 180 days in advance. After 7:00 p.m. (central time), payments will post the next day. Make a free online payment at My Kohl’s Card by clicking here!

How do I view my Kohl’s bill online?

Log in to mykohlscard.com to see your transactions, payments, and other information.

What time is Kohl’s payment due?

The deadline for My Kohl’s Card payments is 7:00 p.m. central time. After 7:00 p.m. central time, payments may not be completed until the following business day.

Conclusion

In terms of features, advantages, and charges, the Kohl’s Card is identical to other retail shop cards. Adding a retail shop card to your pocket could help you build credit, but if you have the funds for an initial deposit, a secured credit card may be a better option. Before applying for a Kohl’s charge card or any other retail shop card, think about how frequently you intend to use it and how likely you are to pay off your balance in full to avoid paying high interest rates.