Kohl's Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Kohl's Card4.6/5

Capital One

Annual fee
$0
Rewards rate
7.5%-0%
Welcome Bonus
40%
Apply Now →on Capital One's website
Regular APR:29.49%-31.24% Variable APR

  • 7.5%Kohl's Rewards on eligible purchases

Welcome Bonus:

Open a new Kohl’s Card and get a welcome bonus of 40% off your first purchase within your first 30 days of opening the account.

Reward Rate:

When you use a Kohl's credit card, you earn 7.5% in Kohl's Rewards on all eligible in-store and online purchases.

APR:

29.49%-31.24% Variable APR

The Kohl's Card shines for its generous rewards program, offering 7.5% back on all eligible purchases, making it a great option for frequent Kohl's shoppers. The welcome bonus of 40% off the first purchase adds significant value, especially for new cardholders looking to save on their initial shopping trip.

Pros:

  • No annual fee
  • High rewards rate on purchases

Cons:

  • High variable APR
  • Limited to Kohl's for rewards
Apply now →

The Kohl's Card is well-suited for dedicated Kohl's customers who can take advantage of its high reward rate and welcome bonus, making it an attractive option for those who frequently shop at the retailer. However, users who do not shop at Kohl's often may find limited value in the card's rewards structure.

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