The Kohl’s Credit Card helps loyal shoppers save money on every purchase. Frequent customers at Kohl’s stores or Kohls.com can unlock exclusive discounts, special offers, and rewards by signing up. This guide explains the benefits, uses, and ways to maximize the card’s potential.
What is Kohl’s Credit Card?
The Kohls Credit Card is tailored for Kohls shoppers and is operated by Capital One to provide savings options and special perks not available, to the general public who shop at the store regularly It’s more, than just a card. It’s your ticket to savvy shopping and great bonuses.
Kohl’s Credit Card Benefits
1. Exclusive Discounts and Coupons
New cardholders save 35% on their first purchase. Within the first 30 days, they receive an additional 40% off on one qualifying transaction. Cardholders also enjoy exclusive coupons throughout the year.
2. Kohl’s Rewards
Cardholders earn 7.5% in Kohl’s Rewards on qualifying purchases. These rewards apply to future transactions, reducing costs and adding value.
3. Most Valued Customer (MVC) Status
Spending $600 or more in a calendar year on the Kohl’s Card grants MVC status. MVC members enjoy free monthly shipping opportunities and additional savings.
4. Flexibility for In-Store and Online Shopping
Use the Kohl’s Card for purchases at Kohls.com or in-store. Combine the card’s discounts with Kohl’s Cash and dollar-off coupons for maximum savings.
How Kohl’s Rewards Work?
Cardholders earn rewards based on the transaction subtotal after applying coupons but before adding taxes or shipping fees. Purchases like gift cards or non-merchandise transactions do not earn rewards.
The card also earns bonus points in other categories:
- 3% on gas purchases
- 2% on grocery store purchases (excluding warehouse clubs or discount stores)
- 1% on all other purchases
Exclusions
Certain items, such as gift cards, charitable items, and select brands, are not eligible for discounts or rewards. A complete list of exclusions is available at Kohls.com/details.
40% COUPON
Valid on qualifying purchases for one transaction with your new Kohl’s Card within 30 days of credit availability. Customers without a virtual Kohl’s Card cannot make purchases until their physical card arrives in the mail. Surrender the coupon with ID in-store before the card arrives or enter the code on Kohls.com using your temporary account number. Limited to one coupon per customer and is nontransferable. Kohl’s reserves the right to modify or cancel the offer at any time.
DOLLAR-OFF COUPONS AND KOHL’S CASH®
Dollar-off coupons, including Kohl’s Cash®, apply before percent-off total purchase coupons. The 40% coupon cannot be combined with other percent-off coupons, including age-specific discounts.
COUPON EXCLUSIONS
The coupon does not apply to:
- Price adjustments
- Payments on a Kohl’s credit card account
- Taxes, shipping, or handling fees
- Gift cards
- Kohl’s Cares® or other charitable items
- Sephora at Kohl’s
- Other categories or brands marked as coupon ineligible
COUPON ELIGIBLE BRANDS
The coupon applies to brands such as Apt. 9, Croft & Barrow, FLX, Jumping Beans, SO, Sonoma Goods For Life, Tek Gear, The Big One, LC Lauren Conrad, Nine West, Simply Vera Vera Wang, and more. Visit Kohls.com/details for the full list of eligible brands.
For further clarification, look for in-store signs, ask an associate, or visit Kohls.com/details for the complete list of eligible brands.
Kohl’s Card vs. Competitor Cards
| Feature | Kohl’s Credit Card | Competitors (e.g., Target RedCard) |
|---|---|---|
| Rewards Rate | 7.5% | 5% flat discount |
| Introductory Discount | 35% | Up to 15% |
| MVC Benefits | Free shipping | Not offered |
| Stacking Discounts | Allowed | Limited |
The Kohl’s Credit Card offers higher reward rates and more flexibility than many competitors.
Tips to Maximize Savings
- Shop during major sales events to increase discounts.
- Stack Kohl’s Card coupons with Kohl’s Cash and Rewards.
- Focus on spending $600 annually to achieve MVC status for additional perks.
- Check eligible brands before making purchases to ensure discounts apply.
Who Should Get the Kohl’s Credit Card?
Frequent Kohl’s shoppers benefit the most from this card. It offers substantial savings and rewards for customers who shop regularly at Kohl’s. However, it works best when used responsibly to avoid high-interest charges.
FAQs
Can I use the card immediately after approval?
Yes. Approved customers can use a temporary card number until the physical card arrives.
Does the Kohl’s Credit Card have an annual fee?
No, there is no annual fee.
Can I combine Kohl’s Cash with discounts?
Yes, Kohl’s allows stacking Kohl’s Cash with other discounts and coupons.
How do I achieve MVC status?
Spend $600 or more in a calendar year to unlock MVC perks through the following year.
Do Kohl’s Rewards expire?
Yes, they expire 30 days after issuance.
Conclusion
The Kohl’s Credit Card helps frequent shoppers save money and earn rewards. Cardholders enjoy exclusive discounts, stackable offers, and bonus rewards. With proper use, this card turns everyday shopping into significant savings.