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.
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.
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
Est. Annual Rewards
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.
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 $2,000 Cash Back
Once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $1,500
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn $1,000 Cash Back
Once you spend $10,000 in the first 3 months from account opening
Annual Fee
$0 intro for first year; $95 after that
Rec. Credit
Excellent
