This card is built for frequent Kohl’s shoppers who do a meaningful share of their household or seasonal spending with the retailer. It is a store-focused card, not an everyday spending card, since its value is concentrated almost entirely on Kohl’s purchases and offers nothing back elsewhere.
All information about Kohl's Credit has been collected independently by MaxRewards. Kohl's Credit is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Kohl's purchases
Back-to-school shopping
Holiday gift buying at Kohl's
The Kohl's Credit is worth considering if you shop at Kohl’s regularly and want extra rewards on those purchases without paying an annual fee. If Kohl’s is one of your go-to stores for clothing, home goods, or seasonal shopping, the elevated return there can make this a useful store card to keep in your wallet for checkout.
For most other readers, this is a very limited product. It earns rewards only at Kohl’s and gives you nothing on everyday spending elsewhere, so it works best as a narrow companion card rather than a primary card. If you want one card to use across groceries, gas, dining, and general shopping, you will likely get more practical value from a broader cash back card.
This card fits loyal Kohl’s shoppers who want extra value at a store they already use often. Outside of Kohl’s, its usefulness drops off quickly, so it makes more sense as a single-store add-on than a main card.
Earning
The rewards setup here is straightforward: the card is designed to be used at Kohl’s and not much else. The key question is how often you actually shop there, because nearly all of the card’s value comes from that one retailer.
Kohl's
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
