Kohl's Credit Card review: Supplement your regular Kohl’s Cash earnings with additional savings

If you're an avid Kohl's shopper, you've astir apt been invited to use for a Kohl's paper astatine the register. While Kohl’s loyalists tin supplement their regular Kohl’s Cash net with further savings, others whitethorn find a much wide rewards recognition paper to beryllium much useful.

There are 2 types of Kohl's cards: the Kohl's Credit Card and the Kohl’s Rewards® Visa. After submitting an application, you'll beryllium considered for some cards but person lone 1 if approved. Here's what to cognize astir these cards earlier you apply.

More details: You tin lone usage the Kohl’s Credit Card for Kohl’s oregon Sephora astatine Kohl’s purchases — you can’t usage this closed-loop paper anyplace else. The Kohl’s Rewards Visa, however, tin beryllium utilized wherever Visa cards are accepted.

• Most Valued Customer (MVC) opportunities: Customers who walk implicit $600 connected their Kohl’s Card successful a fixed twelvemonth tin gain elite MVC status. With this status, you’ll get escaped shipping opportunities each month. But Kohl’s doesn’t stock immoderate info astir however galore of these opportunities it offers.

• Extra coupons: You tin get exclusive coupons, including an yearly coupon connected your paper subordinate anniversary. Again, Kohl’s doesn’t stock overmuch penetration into what types of coupons it sends oregon however large the discounts are.

• Early-bird income notifications: You’ll get an email notification a time up of immoderate income astatine Kohl’s, giving you the accidental to program your adjacent buying excursion—and hopefully usage your Kohl’s Cash rewards.

The Kohl’s Card’s rewards operation is somewhat convoluted, and you'll request to beryllium a Kohl's Rewards subordinate to maximize your earnings.

Regular Kohl's Rewards members gain 5% backmost connected Kohl's purchases, but with a Kohl's recognition card, you'll gain 7.5% backmost connected your spending. If you're approved for the Kohl's Rewards Visa card, you'll besides gain 3% backmost connected state purchases, 2% backmost astatine market stores, and 1% backmost everyplace else.

Your reward net are added automatically to your Kohl's Rewards account.

Like galore different branded store cards, the rewards you gain with your Kohl’s paper aren’t existent currency back. You can’t redeem them for a connection recognition oregon a insubstantial check. Instead, you’ll gain Kohl’s Cash, which you tin usage successful $5 increments erstwhile buying online oregon in-store. You tin lone usage Kohl’s Cash to prevention connected Kohl’s purchases.

Unfortunately, Kohl’s Cash expires quickly, truthful you’ll request to beryllium a predominant shopper to get worth from this recognition card. Your rewards are lone valid for 30 days aft you gain them. For astir people, this is simply a large drawback.

Because the redemption options for your rewards are truthful constricted (and expire quickly), it could beryllium hard to get bully usage of The Kohl’s paper cards reliably. The bulk of radical volition apt find a wide rewards paper to beryllium easier to use.

See our picks for the champion rewards recognition cards

But if you adore Kohl’s, store determination astir exclusively, and tin rapidly redeem immoderate rewards you earn, a Kohl’s recognition paper mightiness beryllium a bully choice. You tin rapidly rack up savings, and arsenic agelong arsenic you wage the paper disconnected each month, you won't beryllium charged immoderate fees.

• Rewards you for buying astatine Kohl’s

• More benefits are disposable aft spending $600 successful a calendar year

• Exclusive coupons and aboriginal income notifications

• High APR

• Your rewards tin lone beryllium redeemed astatine Kohl's

• Rewards expire quickly

You tin usage your Kohl’s Credit Card astatine Kohl’s stores, including in-store and online. If your section Kohl’s besides has a Sephora inside, you tin usage your paper there, too.

Those approved for the Kohl's Rewards Visa paper tin usage their paper anyplace Visa is accepted.

• Online oregon successful the Kohl’s mobile app

• In store via debit card, cash, check, oregon wealth order

• By phone: 855-564-5705

• By mail:

  • P.O. Box 60043City of Industry, CA 91716orP.O. Box 1456Charlotte, NC 28201

You tin interaction the Kohl’s Card lawsuit work squad done the pursuing channels:

• Online chat disposable 24/7 done Kohl’s Customer Service

• Phone: 855-564-5748

  • Monday done Saturday: 7 a.m. until 9 p.m. CT

  • Sunday: 10 a.m. until 8 p.m. CT

• Kohl’s Card login page

The Kohl’s Card isn’t the champion prime for most. Here are immoderate large alternatives if you’d similar a much flexible paper with versatile rewards.

Why we similar it: The Chase Freedom Unlimited packs overmuch much worth and flexibility than the Kohl’s Credit Card. You’ll get elevated currency backmost successful your archetypal year, with the accidental to gain up to 6.5% backmost connected question purchases made successful the Chase portal, 4.5% backmost connected edifice and cause store purchases and 3% backmost connected each different qualifying purchases.

The champion part? You tin usage your paper wherever Visa is accepted, not conscionable Kohl’s, and your rewards don’t expire arsenic agelong arsenic your paper is open.

Read our afloat Chase Freedom Unlimited Review

Why we similar it: With the Capital One QuicksilverOne Cash Rewards Credit Card, you’ll get up to 5% unlimited currency backmost connected prime purchases. You tin gain that generous 5% complaint erstwhile you usage your paper to publication car rentals and edifice reservations successful Capital One Travel; each different purchases volition nett you 1.5% unlimited currency back. As with the Chase Freedom Unlimited, your rewards won’t expire arsenic agelong arsenic your relationship remains open.

Unlike the Kohl’s Credit Card, which has a $0 yearly fee, you’ll wage $39 each twelvemonth for the privilege of being a cardholder. That said, this could beryllium offset reasonably easy if you usage your paper often.

Capital One Quicksilver vs. QuicksilverOne: The champion enactment depends connected your recognition score

Why we similar it: The Blue Cash Everyday Card from American Express offers a generous 3% currency backmost astatine U.S. supermarkets, U.S. state stations, and U.S. online retailers (all up to $6,000 per year, past 1% aft that). You’ll besides get 1% backmost connected different purchases made with your card.

Besides decent cashback earnings, you tin besides gain a $200 invited bonus aft spending $2,000 successful the archetypal six months of cardmembership. Again, these rewards won’t expire unless your relationship is closed.

This nonfiction was edited by Alicia Hahn

Editorial Disclosure: The accusation successful this nonfiction has not been reviewed oregon approved by immoderate advertiser. All opinions beryllium solely to Yahoo Finance and are not those of immoderate different entity. The details connected fiscal products, including paper rates and fees, are close arsenic of the people date. All products oregon services are presented without warranty. Check the bank’s website for the astir existent information. This tract doesn't see each presently disposable offers. Credit people unsocial does not warrant oregon connote support for immoderate fiscal product.