The Kohl's Rewards Visa is built for regular Kohl's shoppers who want a store card they can also use elsewhere. It works best as a specialist card for households that spend consistently at Kohl's, not as a primary everyday card for most purchases.
All information about Kohl's Rewards® Visa has been collected independently by MaxRewards. Kohl's Rewards® Visa 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
Gas and grocery fill-ins
MVC free shipping usage
This card is worth considering if Kohl's is already one of your go-to stores and you expect to spend enough there to make the elevated Kohl's rewards and MVC status useful. With no annual fee, there is little downside to keeping it for Kohl's purchases, and the 3% back on gas and 2% back on groceries add a bit of extra utility between store visits.
For most readers, though, this is not the card to build your wallet around. The value is concentrated at Kohl's, there is no welcome bonus, and the everyday earn rates outside the store are easy to beat with a general cash-back card. If you only shop at Kohl's occasionally, this card is more niche than useful.
A sensible pick for loyal Kohl's customers who will actually use the store rewards and MVC shipping perk. Outside that lane, the rewards are too limited to make it a strong everyday card.
Earning
This card earns cash back, with the strongest return by far on Kohl's purchases. Think of the bonus categories outside Kohl's as secondary, helpful if you already want the card for the store, but not the main reason to carry it.
Kohl's
Gas
Grocery
Everywhere
Benefits
Receive MVC status
Become an MVC (Most Valued Customer) when you spend $600/year at Kohl's with your card and enjoy monthly free shipping opportunities. Kohl's cardholders achieve MVC (Most Valued Customer) status after spending $600 on purchases at Kohl's stores or Kohls.com within a calendar year using their Kohl's Card. Once MVC status is achieved, it is effective through December 31 of the following calendar year. MVC status provides Kohl's cardholders with monthly free shipping opportunities.
Eligibility
Excellent 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
Purchase APR
29.49%
Variable
Transfer APR
29.49%
Variable
Cash Advance APR
29.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$40
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
